Indian Card Not Working in Bhutan – UPI & Payment Guide

Planning a Trip to Bhutan from India? Before you pack your bags for the Himalayas, there’s one important thing to know – you might face issues with your Indian card not working in Bhutan. While Indian currency is accepted, credit/debit cards and UPI apps like Google Pay or PhonePe often don’t work reliably. Here’s how to avoid last-minute surprises.

Do not solely rely on credit / debit cards or UPI apps like Google Pay, PhonePe, or Paytm in Bhutan.

Here’s Why:

Bhutan has very limited integration with Indian banking systems. While Indian currency (INR) is accepted almost everywhere in Bhutan, Indian-issued cards and UPI platforms often do not work at hotels, restaurants, and shops – even in cities like Thimphu and Paro.

Where This Affects You Most:

Remote Sightseeing spots: No ATMs or card machines available
Bhutan-side towns: Thimphu, Paro, Punakha, Phuentsholing
Local markets & restaurants: Mostly cash-only
Online payment apps: UPI and QR code systems are still under implementation in Bhutan. Do not completely rely on UPI payments.
OTP Not Received: Indian SIM cards often fail to receive OTPs on foreign networks, affecting UPI, IMPS, and net banking.
Blocked Logins: Banks may automatically block access from Bhutanese or foreign IPs for security.
Delayed Transactions: Real-time UPI or net banking may not work due to low internet speed or server mismatches.

What You Should Do Instead:

Carry enough cash – INR is widely accepted (all denominations)
You can use your international card access
Inform your bank in advance if you plan to use international debit/credit cards
Use a trusted local agency like us that helps you in between tours with cash arrangements in case you fall short of cash.

Travel Smart with Dooars Bhutan Tours & Travels

Being one of the best DMC for Bhutan, we guide our guests well in advance about the payment issues. When you travel with us, all your major expenses – permits, transport, accommodation, and meals – are pre-arranged and prepaid, ensuring a hassle-free experience.