About USD and INR
US Dollar (USD)
The US dollar is divided into 100 cents and is used in the United States and several other economies, and many tourist businesses elsewhere quote prices in dollars. When a card terminal in another country offers to charge you in dollars, that is usually a dynamic currency conversion with a poor rate; choose the local currency instead.
Indian Rupee (INR)
The Indian rupee is divided into 100 paise. Digital payments through UPI are everywhere locally, but visitors usually rely on cash and cards. Rules limit how much rupee cash you may carry across the border, so exchange only what you need and use ATMs for the rest.
Exchanging USD for INR
The rate above is the mid-market rate for USD to INR. Banks, card networks and exchange desks usually apply a margin or a fee, so compare the amount you would actually receive. If a terminal offers to charge you in USD instead of INR, decline: that conversion normally uses a worse rate.