Best Ways To Carry Money While Travelling Within India
by Ankita Tripathy Blog 10 June 2025
Diverse culture and contrasting landscape define India. In fact, this land has always been an exotic treasure trove for travelers for millennia.
However, when you are traveling to India or any other place, you will definitely want to carry your money safely. In such situations, you must know about smart ways to carry cash while traveling.
In the early days, carrying cash or a traveler’s check was common. However, now debit cards have become a major choice for most travelers. This is because it is safe and convenient at the same time.
Apart from that, the debit card offers a variety of features. In addition to that, they are reliable and hassle-free. This way, you will be able to manage your finances as you travel.
Read on to know about debit cards and their benefits for travelers in India.
Debit Card: One Of The Smart Ways To Carry Cash While Traveling
A debit card is a practical and easy-to-use instrument. Basically, it eliminates the requirement to carry large amounts of cash. Essentially, it is a plastic card linked to your savings or current bank account. This way, it will allow you to make purchases. Also, you will be able to withdraw money from ATMs easily.
Meanwhile, credit cards only allow you to borrow money. However, debit card transactions are directly deducted from your existing bank account balance.
What Are The Major Features Of Debit Cards?
The following are the major features of debit cards that you must know about:
- You will find it convenient to withdraw cash from an ATM. Also, it is easy to pay anywhere with a debit card. Moreover, you will be able to make both online and physical transactions.
- You will be able to spend within your capacity.
- A debit card will always notify you of your spending limit.
- Many debit cards come with overdraft options. This way, you will be able to spend even when your account does not have enough cash.
- You will be able to add up reward points.
- Debit cards are mostly secure.
Why Debit Cards Are Ideal For Travelling In India?
The following are some of the major reasons why debit cards are one of the smart ways to carry cash while traveling in India:
1. It Is Convenient
Primarily, debit cards offer great convenience for travelers within India. In fact, when you are carrying large amounts of cash, it might get risky and complicated. Meanwhile, a debit card provides you with easy access to your funds.
Apart from that, you will also benefit from the following advantages:
- You will be able to check your account balance.
- Viewing transaction history is easier.
- You will be able to set preferences through your bank’s mobile app or online portal.
2. It Is Secure
In general, debit cards are equipped with security measures to safeguard your funds. Apart from that, there are strong security features like PIN protection and contactless payments.
However, if your card is lost or stolen, simply contact your bank to block it. Also, you will be able to prevent unauthorised use.
3. It Is Widely Accepted
In most cases, debit cards are widely accepted throughout India. Hence, they are a versatile payment option. From local supermarkets and major restaurants to retail outlets, you might use your debit card to make payments seamlessly.
Moreover, this broad acceptance ensures you have flexibility. Also, you will find it convenient while exploring different regions.
4. You Will Be Able To Keep Your Budget Under Control
Debit cards help prevent overspending and potentially incurring debt while travelling. With set transaction limits and awareness of your available balance, you are encouraged to plan your spending and stay within your budget.
5. You Will Get Rewards And Promotions
In general, many banks offer attractive rewards to debit card users.
These might include the following:
- reward points
- Cashback
- discounts on dining, flights, hotel stays, and shopping
- other benefits.
Hence, by choosing a debit card with these rewards, you will be able to improve your travel experience. Also, you will be able to save money on various expenses.
6. It Is Easy To Get A Debit Card
In most cases, debit cards are linked to your current account ot savings account. Also, the bank will issue a new debit card with every new account.
Basically, after you open your bank account, you will have to request a debit card. Apart from that, the bank will issue your debit card to your corresponding address. In addition to that, they will also share with you the PIN for the debit card along with it.
How To Use Your Debit Card While Traveling? – Various Options
The following are some of the major situations where you will be using your debit card while traveling:
1. ATM Withdrawals
Primarily, your debit card serves as both an ATM card and a payment card. This way, it provides convenient access to cash whenever you want it.
Hence, whether you wish to withdraw some money for emergency expenses or everyday expenses, you will be able to withdraw cash from ATMs located throughout India easily.
2. Online Transactions
Debit cards provide a convenient way to make online purchases while traveling. Hence, whether you are shopping online or booking accommodations and flights, you will easily complete transactions using your ATM card online.
3. Contactless Payments
In general, contactless payments using your debit card offer a convenient and safe way to make transactions.
Basically, you have to tap your card on compatible terminals. Thereby, you will be able to quickly and easily complete your purchases. Also, you will not have to come into physical contact.
Get Your Debit Card Now
Debit cards pack several advantages for travelers within India. Basically, it provides convenience, safety, and versatility. These make them the ideal choice for managing your finances while on the move.
IndusInd Bank is among India’s most reliable new-age financial service providers. They offer a range of debit cards tailored to suit various lifestyles and budgets.
Apply for a debit card online with IndusInd Bank in a few easy steps and find the perfect card to carry with you while exploring the wonders of India.
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