Foreign credit cards like Visa and MasterCard are generally accepted in Xi’an, especially at hotels, high-end restaurants, and large shopping malls. However, smaller vendors, street food stalls, and some local markets might rely on cash or mobile payments. Always carry a small amount of RMB cash as a backup, particularly when visiting rural areas or less touristy spots. Most tourist attractions accept cards, but entry fees for temples or parks often require cash.

Should I Exchange RMB Before Arriving in Xi’an?

While it’s possible to use cards for major expenses, having some RMB on hand is practical. Exchanging money at your home country’s banks or airports often comes with poor rates. Instead, wait until you arrive: ATMs in Xi’an (especially those near hotels or banks) offer better exchange rates. Just avoid withdrawing cash from standalone ATMs in unstaffed locations, as they may charge higher fees.

Are Mobile Payments Like Alipay/WeChat Pay Useful in Xi’an?

Chinese mobile wallets (Alipay, WeChat Pay) dominate daily transactions, but they’re not designed for foreigners. Tourists can’t easily link these apps to foreign bank accounts. If you want to use them, consider opening a Chinese digital wallet with help from your hotel staff—though this requires a Chinese phone number. For simplicity, stick to cards or cash unless you’re staying long-term.

Where Will I Need Cash in Xi’an?

Plan to use cash for:

  • Street food (e.g., famous Muzhai Street snacks).
  • Taxi rides (though meters accept cards in newer taxis).
  • Local markets (like the Muslim Quarter for souvenirs).
  • Small shops in older neighborhoods. Carry 100–200 RMB per day for these scenarios. For reference, a meal at a local restaurant costs ~20–50 RMB, while a bowl of meat-based liangpi (冷皮) costs ~10 RMB.

How Can I Avoid Payment Issues in Xi’an?

  1. Inform your bank: Notify your card issuer about travel to China to prevent declined transactions.
  2. Use contactless payments: Many terminals support tap-to-pay for Visa/MasterCard.
  3. Blend payment methods: Use cards for hotels/malls, cash for casual dining, and mobile apps sparingly.
  4. Emergency backup: Know the nearest bank branches (e.g., Bank of China, China Construction Bank) or international-friendly ATMs.

By combining cards, cash, and basic planning, you’ll navigate Xi’an’s payment landscape smoothly—leaving more energy to explore its historic walls, terracotta warriors, and spicy cuisine!