Can I use Revolut card in India?

Zorica Lončar
01.12.22
2 minute read

Heading to India for a holiday, work or to see friends and family? It’s a good idea to plan how you’ll manage your spending while you’re there.

If you’re a Revolut customer here in the UK, it’s useful to know whether or not you can use your Revolut card to spend in Indian rupees (INR) during your time abroad.

Read on, as we’ve put together a handy guide covering everything you need to know.

This includes a quick look at a great alternative for overseas spending - the Wise card. This international card automatically converts your money to INR at the mid-market exchange rate whenever you spend.

But for now, let’s focus on using your Revolut card in India.

Can I use my Revolut card in India?

The good news is that yes, you can use your Revolut card when you travel to India.

You can use it for purchases in shops and restaurants, online purchases and ATM withdrawals wherever Visa and Mastercard are accepted¹.

Are Indian rupees supported for spending?

You can spend in INR using your Revolut card, but you can’t actually hold the currency in your Revolut account². This means you can’t convert currency and top up your balance in the local currency in the Revolut app ahead of your trip.

Instead, the Revolut card converts your pounds to rupees dynamically at the moment of purchase. This means that whenever you spend, the currency is automatically converted from GBP to what Revolut describes as a ‘settlement currency’. This is usually USD, and this is what will be paid to the merchant².

How much does it cost to use a Revolut card in India?

There are a few fees related to using your Revolut card in other countries, depending on when and how much you spend. Here’s a quick look:

TransactionRevolut fee³
Additional merchant surcharge fees (for paying by card)Set by the merchant (if applicable)
Currency exchange transactions above £1,0000.5%
Currency exchanges on weekends1%

There’s also the exchange rate to consider. If you choose to be charged in your home currency when using your Revolut card to shop abroad, the merchant will apply their own exchange rate³. This usually has a mark-up added on top of the mid-market rate, so it ends up costing you extra.

Can I get a Revolut account in India?

If you’ll be spending a longer period of time in India, you may be thinking of getting a Revolut account. Unfortunately, you’ll have to wait a little while. Revolut India is on the way, but at the moment you can only sign up to be on the waiting list⁴.

However, you can still use Revolut to send money from the UK to India.

A great alternative for low-cost spending in India - the Wise card

Open a Wise multi-currency account online and you can get yourself a Wise card, for spending in 175 countries including India.

The Wise card automatically converts your pounds to rupees when you spend. But unlike other providers, it does the conversion at the mid-market exchange rate. This means no mark-up or margin added on top, and only a small fee to carry out the conversion. Or if you already have INR in your account, it’s fee-free⁵.

You can even use your Wise card to withdraw up to £200 a month from Indian ATMs for free (although ATM providers may charge their own fee).

Join Wise today

⁵ Please see Terms of Use for your region or visit Wise Fees & Pricing: Only Pay for What You Use for the most up-to-date pricing and fee information.


Sources used:

  1. Revolut Help - What Currencies are Supported for Spending?
  2. Revolut Help - Can I Make Payments in INR?
  3. Revolut Help - What Fees Will I Be Charged for Making Card Payments?
  4. Revolut India
  5. Wise - terms and conditions & pricing

Sources last checked on date: 28-Nov-2022


This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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