Cards & Digital Payments in Bali

Cards are widely accepted in Bali, especially in hotels, beach clubs, supermarkets, and modern restaurants. But cash is still essential in many situations, so travellers should plan to use a mix of both.

This guide explains where cards work, what fees to expect, and how digital wallets like Apple Pay and Google Pay perform on the island.

💳 Where Cards Are Accepted

Cards work reliably in:

• Hotels and resorts
• Beach clubs and bars
• Supermarkets and convenience stores
• Mid‑range and upscale restaurants
• Tour operators and activity desks

Smaller, family‑run businesses often prefer cash.

🚫 Where Cards Usually Don’t Work

Always carry cash for:

• Local warungs (small restaurants)
• Markets and street stalls
• Parking and small fees
• Rural areas and remote beaches
• Small spas and salons

Cash is still the default for many everyday transactions.

💸 Card Fees in Bali

Some businesses add a small surcharge for card payments:

• 2–3% fee is common
• Some places waive the fee for larger bills
• Always check before paying

To avoid surprises, ask “Any card fee?” before tapping.

📱 Apple Pay & Google Pay

Digital wallets work well in Bali, especially in modern venues.

• Apple Pay is widely accepted
• Google Pay works in most places that accept contactless
• Some older terminals only accept chip‑and‑PIN

Always carry a physical card as backup.

🛡️ Tips for Using Cards Safely

• Never let staff take your card out of sight
• Use tap‑to‑pay when possible
• Decline dynamic currency conversion (DCC)
• Choose “Charge in IDR” to avoid extra fees
• Carry a backup card in a separate wallet

💵 When You Still Need Cash

Even if you prefer cards, you’ll still need cash for:

• Tips
• Small purchases
• Local transport
• Markets and rural areas

See our guide to How Much Cash to Bring for daily estimates.

Related Guides

• ATMs in Bali
• Exchanging Money in Bali
• How Much Cash to Bring