Money & Payments in Udaipur (2026)

Good to know

Good to Know

In Udaipur, carry cash at all times, especially in the old city, as many establishments prefer or exclusively accept cash.
UPI mobile payments (Google Pay, PhonePe, Paytm) are increasingly popular; if staying longer, consider downloading a UPI app linked to an Indian bank account.
Payments in local shops are made directly to the shopkeeper using payment methods supported by that shop, such as UPI, cash, card, or bank transfer.
Fine dining restaurants in Udaipur typically range from ₹1,200–2,000 per person, while street food is significantly cheaper.
Most rooftop and lakeside restaurants add a service charge automatically; verify before adding an additional tip.

ATM Details

Availability: India has one of the largest ATM networks in the world with 250,000+ ATMs. ATMs can be found in nearly every town of the country, with at least 1-2 in small towns.
Recommended Banks: Based on traveler experience, SBI doesn't charge extra fees. An SBI ATM only charges ₹100 for withdrawals, which is often less than found at exchange shops or airports.

ATM Fees Foreign Cards

Status: Charged per transaction
Details: Most private sector banks charge INR 200 to INR 335 per transaction for foreign card holders. Foreign ATM transaction charges minimum INR 100 plus GST plus 3.5% of the taxation amount.
Avoidance Tip: At some ATMs you may be asked to Accept or Decline Conversion. If you 'Accept' the ATM converts your money at the ATM's set exchange rate and you pay an extra percentage fee for currency conversion. If you 'Decline' the ATM will convert at exchange rate of the bank/card logo (Visa, Mastercard, etc.). To avoid extra fees while withdrawing cash in India, select 'Decline/Without' Conversion or 'Charge in INR'.

ATM Fees India Domestic

Free Transactions: You get 5 free ATM transactions a month at your own bank and 3-5 free transactions at other banks (depending on the city) beyond that, banks can charge up to ₹23 per withdrawal.
Fee Per Transaction: ₹23
Note: Customers of most banks can make up to five free ATM withdrawals per month, as per the Reserve Bank of India's updated guidelines. These five ATM transactions cover financial and non-financial services.

Tipping Norms

When Not To Tip: You don't need to tip at places that provide public services, such as hospitals where fees are typically fixed. You also don't need to tip when ordering in fast food restaurants, shopping in local markets, or when using public transportation.
General Guidance: Tipping is appreciated as a sign of gratitude for good service, but it isn't mandatory or expected. However, due to the influence of tourism, tipping is becoming an increasingly common practice.
Currency Reminder: Opting for Indian Rupees (INR) is your best bet, as it ensures that the value of your tip remains intact without the hassle of currency conversion.

Restaurants

Percentage: 5-10%
Details: A general guideline is to tip between 5% and 10% of the bill, based on the level of service you receive. In tourist restaurants or hotels a 10 percent service charge is often added to bills. When a service charge appears, additional tipping is not mandatory unless the service was exceptional.

Drivers Guides

Multi Day Driver: For 1 or 2 passengers, tip between INR 300 to INR 600 per day. For 3 to 5 passengers, tip between INR 500 to INR 800 per day.
Note: Taxi drivers do not expect to be tipped. However, tipping is expected for other services (porters, guides, hotel staff and waiters in small establishments).

Small Services

Amount: ₹50
Note: Small tips (anything between 20 and 100 rupees) for small services, such as looking after shoes, carrying bags etc are appreciated and bar staff also expect small tips.

Card Acceptance

Digital Payments

Details: Unified Payments Interface (UPI) is an Indian instant payment system developed by the National Payments Corporation of India in April 2016. It is used on mobile devices to instantly transfer funds between two bank accounts using only a unique UPI ID. Payment by card is accepted at all palace hotel restaurants; smaller venues may prefer UPI or cash.
Upi Status: Widely accepted

Debit Credit Cards

Status: Common but not universal
Details: Card payments are common in major cities and tourist-friendly areas in India. In Udaipur, most places accept debit and credit cards, and some offer digital payment methods, while many cafés or family-run places may lean towards cash transactions. It's a good idea to have some cash on you, especially in the old city.

International Cards

Status: Accepted with fees
Details: Popular banks such as ICICI Bank, HDFC Bank, Axis Bank, Standard Chartered, IndusInd Bank accept international debit and credit cards. However, they charge ATM fees for foreign card holders.

Banking

Overview: Banking setup information for foreigners/nomads was not fully researched due to search constraints.
Note: Further research needed on foreign account opening requirements and documentation for Udaipur banks

AI-generated estimateData refreshed September 2026

Sources cited for this category

These are the sources cited in this money & payments research for this city. Individual figures may not each trace to one of them.

More About Udaipur

Data last updated September 2026 · Verify anything important.

Money & Payments in Udaipur