Mumbai - Post Report Question and Answers

Are credit cards widely accepted and safe to use locally? Are ATMs common and do you recommend using them? Are they safe to use?

It's a hit or miss with western credit cards. Sometimes it doesn't work and you wait five hrs and it works. It's a cash economy. - Aug 2021


Yes and no. Foreign credit cards are not always accepted. ATMs are fairly common and is the best way to withdraw money in Mumbai. Mumbai is pretty safe, I haven't experienced any negative safety issues. - Nov 2020


I get all my cash through the Consulate’s bank, so I can’t comment on ATMs. - Aug 2019


It's largely a cash society. Many stores will have credit card machines, but a lot of them will work only with Indian credit cards. Larger stores, hotels, etc. will take western credit cards fine. ATMs will usually work with western cards but it's hit or miss. Frequently they will be broken or out of cash. - Mar 2019


Yes, but most places will automatically charge you in your local currency with a high conversion rate. - Jan 2019


Yes but only in proper shops, not the street ones. - May 2018


Credit cards are accepted at upscale establishments, but obviously not at roadside vendors. - Jun 2017


Accepted all over, but I generally don't like to use it except at four star hotels and stuff. - Aug 2015


Most bigger places take credit cards and we haven't had any trouble. I've never tried to use an ATM here and would hesitate. I cash checks at the bank at work to get cash for walking around money, shopping in markets, etc and to pay our staff. - Nov 2014


Credit cards are very commonly accepted, which I was surprised by when I arrived. There are ATMs but they aren't all over the place. Still, you can find big international branches like HSBC that will certainly take your bank's card. - Mar 2014


Credit cards are widely accepted. - Feb 2014


Most restaurants and shops accept foreign credit cards and so do most ATMs. If you're not sure about a bank's ATM, stick to the main ones like Citibank and HSBC. - Feb 2014


Very easy. - Aug 2013


Available everywhere. India has a lot of credit-card fraud, so US Banks and card companies are quick to decline purchases and shut off your card even when shopping at reputable stores. I have to call my bank quite often to unblock my card. - May 2013


I prefer to use cash to avoid foreign transaction fees, but credit cards are accepted in the formal economy and there are many ATMs around the city. - Feb 2013


The US Consulate has a Bank of America counter where you can exchange currency. ATMs are widely available. - Dec 2010


ATMs are everywhere and credit cards are accepted generally. - Nov 2008


Both are widespread and safe to use. - Aug 2008


ATMs are everywhere, no issues. - Jul 2008


Subscribe to our newsletter


New book from Talesmag! Honest and courageous stories of life abroad with special needs.

Read More