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Live Forex Rates for
Indian Travellers
Track exchange rates, convert currencies and plan your travel budget with confidence — updated every hour.
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Travel Money Planner
How Far Does
How Far Does
Your Budget Go?
Enter your travel budget in rupees and pick a destination. We'll show you what it's worth in local currency — and what you can actually buy.
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in local currency
Currency Intelligence
Smart Travel Picks This Month
Strong Rupee Destinations
Your money goes further here
Nepal₹100 = NPR 160
Sri Lanka₹100 = LKR 365
Vietnam₹100 = VND 28,000
Indonesia₹100 = IDR 18,500
Visa-Free + Good Rates
No visa fee, fair exchange
GeorgiaVisa Free · 1 yr
MoroccoVisa Free · 90 days
SingaporeVisa Free · 30 days
South KoreaVisa Free · 30 days
Expensive Currencies Now
Budget more carefully here
UK (GBP)₹100 = GBP 0.95
Switzerland₹100 = CHF 1.05
Australia₹100 = AUD 1.8
USA₹100 = USD 1.2
Smart Money Tips
Forex Guide for Indian Travellers
Airport Exchange — Avoid It
Airport forex counters charge 5–8% more than market rates. Exchange a small emergency amount only. Use your forex card or ATM for the rest.
⚠ High RatesForex Card is Your Best Friend
Load multiple currencies on a forex card before departure. Lock in good rates. Zero forex markup on spending. Works like a debit card abroad.
✓ RecommendedUPI Abroad — Growing Fast
UPI now works in UAE, Singapore, France, UK and 10+ countries. Scan and pay in local currency. Rates are excellent. No card needed.
⚡ NewCash vs Digital Payments
Carry cash for markets, small towns and tips. Use card or forex card for restaurants and hotels. Southeast Asia is cash-heavy — Thailand, Vietnam, Cambodia.
📌 Destination-specificWatch for Hidden Bank Charges
Indian credit cards add 2–3.5% forex markup + GST. This adds Rs 2,500–5,000 on a Rs 1 lakh trip. Use a zero-forex card like Niyo or Wise.
💷 Saves MoneyATM Withdrawals Abroad
Always choose local currency when asked "pay in INR or local currency?" Choosing INR means the bank applies their own exchange rate — always worse.
💡 Pro TipComplete Trip Planning
Forex + Budget = Real Trip Cost
Why this matters
Exchange Rate Affects Your Entire Trip Cost
A 5% change in the exchange rate adds or removes Rs 3,000–5,000 from a typical 7-day trip. Use both tools together to get your true trip cost.
💰 Open Budget Calculator →✈ Flights + Hotel + FoodRs 65,000
+
💱 Forex conversion loss (avg 3%)+ Rs 1,950
+
📄 Visa feeRs 5,000
TRUE TRIP COSTRs 71,950
Common Questions
Forex FAQ for Indian Travellers
What is the best way to exchange currency in India before travel?
The best options are: (1) Load a forex card from Niyo, Wise or IndusInd before departure — you get near-market rates; (2) Use authorised forex dealers like BookMyForex or Thomas Cook for cash — they offer competitive rates; (3) Your bank branch for foreign currency — acceptable rates but check charges. Avoid airport counters and hotel exchange desks — they charge 5–8% above market rate.
Should I carry cash abroad or rely on cards?
Carry both. Cash is essential in Southeast Asia (Thailand, Vietnam, Cambodia, Indonesia), local markets, small restaurants and tips. Cards work well in developed countries, hotels and restaurants. A good rule: carry 30–40% of your daily budget in cash and use a forex card or zero-markup credit card for the rest.
Forex card or international credit card — which is better?
A dedicated forex card is usually better for most Indian travellers. Forex cards let you lock in rates before travel, have zero or low conversion fees, and are safer than carrying cash. International credit cards from Indian banks add 2–3.5% forex markup plus GST. Exception: cards like Niyo Global, Scapia or HDFC Regalia have zero forex markup and can match or beat forex cards.
How much foreign currency can Indians legally carry abroad?
Under FEMA guidelines, Indian residents can carry up to USD 3,000 (or equivalent) in cash for personal travel. For amounts above this, you need to use a forex card or traveller's cheque. You can also carry up to Rs 25,000 in Indian rupees when going to Nepal or Bhutan. Always keep exchange receipts for amounts over USD 5,000.
Which countries accept UPI payments from India?
As of 2025, UPI is accepted in: UAE, Singapore, Malaysia, France, UK, Mauritius, Nepal, Bhutan, Sri Lanka, Bahrain, Oman, Qatar, Saudi Arabia and several others. The list is expanding rapidly. You need to enable international UPI in your banking app and ensure your bank supports it. Rates are generally excellent — close to interbank rates with no markup.
What does "DCC" mean at foreign ATMs and should I accept it?
DCC stands for Dynamic Currency Conversion. When an ATM or payment terminal asks "Pay in INR or local currency?", always choose local currency. Choosing INR means the ATM's bank applies their own exchange rate — which is typically 3–5% worse than your card's rate. Always pay in the local currency of the country you are visiting.
Is it better to exchange money in India or at the destination?
It depends on the destination. For Europe, USA, UK and Australia: exchange in India or use a forex card — rates in India are generally competitive. For Southeast Asia (Thailand, Bali, Malaysia, Vietnam): local ATMs and money changers often give slightly better rates. The key is to avoid airport counters everywhere and always compare rates before exchanging.
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