India is now a predominantly cashless economy run on UPI (Unified Payments Interface). Even the smallest roadside sugarcane stall has a QR code scanner. Foreign credit cards (Visa & Mastercard) work reliably at all wineries, hotels, and upscale restaurants, but are not accepted by street vendors, autorickshaws, or old bazaar merchants.
1. UPI for International Travelers: You can set up a prepaid UPI wallet upon arrival at Mumbai Airport (via apps like Cheq or Wizio) linked to your passport and foreign credit card. This allows you to scan any Indian QR code seamlessly.
2. Cash Buffer: Always carry ₹2,000 to ₹3,000 in small cash notes (₹100, ₹200, ₹500). ATMs from major banks (HDFC, ICICI, State Bank of India) accept international debit cards with a flat transaction fee of ~₹200–250.