When preparing for a trip to Bali, one of the most common questions travelers ask is whether to rely more on cash or credit cards. Both options are useful, but each comes with specific advantages and limitations depending on where you go, what you buy, and how you manage your spending.
From my experience and research, Bali is still a largely cash-based destination, although cards are becoming increasingly accepted in certain places. Below I explain the benefits and drawbacks of both, where each payment method works best, and the practical tips that can save you time and money.
Why Cash Is Still Essential in Bali
Cash in Indonesian Rupiah remains the most widely accepted form of payment in Bali. Local markets, smaller restaurants known as warungs, street vendors, and many drivers only deal in cash. Even some guesthouses or smaller attractions may not have card facilities available.
This is why I always keep some rupiah with me. It makes paying for everyday items such as temple entrance fees, snacks, or local transport straightforward and stress free. Another point to consider is that some businesses charge extra for card use, so cash can often be the cheaper option.
Advantages of Using Cash
Cash is accepted everywhere, including small local vendors that do not take cards. It avoids card surcharges that are sometimes added by businesses. Carrying cash also makes it easier to stick to a daily budget since you can set aside what you plan to spend.
Disadvantages of Using Cash
Carrying large sums can be risky, especially in crowded areas. ATMs in Bali also have withdrawal limits, often around two to three million rupiah per transaction, and fees can quickly add up for frequent withdrawals. Another issue is small change, since many vendors struggle to provide change for larger bills, making it important to break notes at supermarkets or convenience stores.
Read also : Bali Currency Guide: Exchange Tips & What You Can Buy
Where Credit Cards Work Well
Credit cards are increasingly accepted at hotels, international restaurants, beach clubs, shopping malls, and tour companies. For larger expenses, using a card is not only safer but often provides better exchange rates compared to local money changers.
I also find credit cards practical for booking activities online in advance or paying at places where receipts are necessary, such as car rentals or high-end shops.
Advantages of Using Credit Cards
Credit cards offer convenience and reduce the need to carry large amounts of cash. They often provide better exchange rates than money changers. Many cards also come with rewards programs, cashback, or fraud protection, which can make spending more beneficial and secure.
Disadvantages of Using Credit Cards
Not every business in Bali accepts cards, particularly local shops or smaller establishments. Some places also add a service fee of two to three percent on top of the bill when you pay with a card. There can also be technical issues, since machines sometimes fail due to poor internet connections or power cuts.
Recommended Approach
From my perspective, the best way to handle payments in Bali is to use a mix of both cash and credit cards. I rely on cash for small, everyday transactions and keep a card ready for hotels, upscale dining, and emergencies.
It is also smart to bring at least two cards from different providers such as Visa and Mastercard in case one is not accepted. When withdrawing cash, I always use ATMs linked to reputable banks like BCA, Mandiri, BNI, or BRI, since these are safer and more reliable.
Read alaso : Is Bali Safe to Go Solo as a Female Traveler?
Final Thoughts
In Bali, cash provides flexibility and smooth transactions with local businesses, while credit cards offer safety and convenience for larger purchases. Understanding when to use each will save you unnecessary fees, delays, and stress.
If I had to summarize, carry enough rupiah in small denominations for daily expenses but do not travel without a reliable credit card for bigger payments and emergencies. This balance ensures a smoother and safer experience while exploring Bali.
