Quick answer
UPI and cards work in Srinagar and most hotels and larger shops, but carry cash for union vehicles, ponies, shikaras, small stalls and remote areas where the network drops. ATMs are common in Srinagar, Gulmarg town, Pahalgam and Sonmarg, but can run out in peak weeks.
Use cash for
Pahalgam union vehicles, pony rides, shikaras, tips, roadside stalls, remote villages.
Use UPI/cards for
Hotels, restaurants in towns, larger shops, fuel stations.
Tips
Withdraw in Srinagar before heading to valleys; UPI needs network, which can be patchy up high.
FAQ
Widely in towns; carry cash for locals.
Yes, but withdraw in Srinagar to be safe.
Some do; carry cash.
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Written by Omar, trip planner in SrinagarChecked on the ground: 30 Sep 2026 · How we check
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