Most travellers do best with a forex card for most of the trip and a little cash for the first day.
Why a card
- Safer than cash — if it is lost, it can be blocked and replaced.
- The rate is locked when you load it, so a falling rupee mid-trip does not hurt.
- Holds several currencies; reload from India if you run short; encash what is left when you return.
Why some cash
- Taxis, tips, street food and small shops may not take cards.
- Useful on arrival before you reach an ATM.
Watch for
- ATM withdrawal and cross-currency charges on the card — ask for the fee schedule.
- Using the card in a currency you have not loaded usually costs more.