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I've been using both Amex and Visa cards for the past two weeks, on my trip to India. Few spots dont take Amex, but otherwise just fine
If you haven't already checked, International transactions are often disabled by default.
Chief
You need to call your card company to stop blocking your card
Amex takes too high of a commission which does not work with price sensitive Indian market.
Visa cards should work, maybe some problem with your bank
I’m in Delhi and my cards dont seem to work. These are all premium cards- Amex platinum and Chase Sapphire Reserve. Have taken multiple trips to India in the past years with these cards and they always worked. It just seems to be an issue this time. I called up Chase as well and they said no issue on their end
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I don’t think this is accurate
Some merchants only accept credit cards that validate every transaction with an OTP. So our credit cards don’t work there.
When you’re at the cash register, pay attention to credit card machine. if the credit card machine has a paytm logo, there is a good chance it isn’t going to work. If the machine is from one of the larger banks, then it accepts international cards.
From my experience, merchants who cater to a fair bit of international travelers, accept international cards. So hotels, restaurants so on. Smaller merchants (with some exceptions) typically don’t accept international cards.
It’s a new thing. My visa and amex stopped working for the most part in India starting late last year. Especially local businesses. My understanding is that it’s to promote UPI and India based transaction systems. Very annoying and I am thinking of opening an NRI account just to solve for this.
It’s new thing. Not really sure what why how, so many data points on some peoples cards working and others not. but the most common chase cards that used to work in the past don’t work anymore. It’s not at a problem at the banks end or even Visa’s end, it’s at the merchant.
Depends on the location too. My credit card was accepted every where in Goa but same card was declined in most places in bombay
Nothing like that you just need to activate the international transactions. Even, low level student cards like deserve work.
Been using a BoA Visa credit card for three months in india now. No issues. Had pre-informed the bank before I came here.
My wife has been using amex and discover in India for most part. No issues and where Amex fails discover works.