Credit cards are becoming more common in Bali. Most higher end restaurants, hotels, clubs, and shops accept credit cards. They are also accepted at many other locations. In general, cash is king in Bali. Credit cards are often charged a 3-5 percent transaction surcharge. Visa and MasterCard are the primary accepted cards. Fewer merchants take American Express or Diner’s Club.
For safety and to avoid possible skimming scams, avoid using credit cards at smaller merchants such as convenience stores, or at ATM’s not connected to banks with security. Ask before using your card whether you are being charged in rupiah or USD. It may be cheaper to pay in cash.
Some major banks will let you draw cash on your credit card up to the amount of your limit. You’ll need a passport to make the withdrawal. This may be helpful in case of emergency.
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