Maldives Travel Tips for Indians: Money, SIM, Food and Etiquette

Most Maldives advice written for Indians stops at which resort to book. The trip actually turns on smaller things: nobody really wants your rufiyaa, your Indian plug may not fit the socket, and a bottle of sunscreen at a resort shop can cost more than a good lunch in Mumbai. These are the practical Maldives travel tips that save money and awkwardness, written for someone flying out of Delhi, Mumbai, Bengaluru or Kochi on an Indian passport.

Money: rufiyaa, dollars, and the exchange you can skip

The Maldivian rufiyaa (MVR) is pegged to the US dollar at roughly 15.4 to 1, which puts 1 MVR at about Rs 5.5 (approximate, check before you fly).

Here is what most guides get wrong about Maldives currency: as a tourist you will barely touch rufiyaa. Resorts, guesthouses, dive centres, boat operators and airport shops all quote and accept US dollars, so converting rupees to rufiyaa in India only donates a forex margin. Skip it.

• Carry USD 150 to USD 300 in small notes for tips, ferry tickets, island shops and excursions.
• ATMs exist in Malé, Hulhumalé and on larger local islands like Maafushi, but not on resort islands.
• Budget for extras outside the package price: green tax of roughly USD 12 per person per night at resorts (about half that at guesthouses), a 10 percent service charge, and tourism GST of around 16 to 17 percent. These rates were revised recently, so confirm current numbers with your property.

Cards, UPI and the TCS bit

Visa and Mastercard work almost everywhere a tourist goes. Amex and RuPay are patchy, so do not let either be your only card.

On UPI: India and the Maldives have signed agreements to bring UPI and RuPay acceptance to the islands, but do not plan around it. Assume UPI will not work.

Indian cards add roughly 3.5 percent forex markup plus GST on it, so a zero-markup forex card or a multi-currency card loaded with USD usually beats your regular debit card. Large forex loads and tour package payments can attract TCS, and the thresholds keep changing, so ask your bank or CA for the current figure.

Maldives SIM card and data

Two networks: Dhiraagu and Ooredoo. Both have counters in the arrivals hall at Velana International Airport. Tourist packs run roughly USD 20 to USD 40 (about Rs 1,700 to Rs 3,500) for 10GB to 30GB over 7 to 30 days, and you need your passport to register.

• eSIMs bought online before you fly are often cheaper for light users; activate while you still have wifi.
• If you are resort-only, resort wifi is free and good enough for video calls, so you can genuinely skip the local SIM.
• Island hopping on public ferries or staying in guesthouses? Buy the SIM, because you will be calling boat operators constantly.

Plugs, power and the adapter nobody packs

Power is 230V, 50Hz, same as India, so no voltage converter is needed. Sockets are mostly Type G (the chunky British three-pin) with some Type D, which means your Indian round-pin plug fits some sockets and not others. Carry a universal adapter and a small multi-plug extension; villas rarely have enough sockets for a family with four phones.

Indian and vegetarian food

Resorts at most price points carry Indian dishes on the buffet, and many have an Indian chef and a weekly Indian night. Dal, paneer, rotis, biryani and sambhar are all normal here.

• Local Maldivian food is built on tuna and coconut (mas huni at breakfast, garudhiya fish broth), so vegetarians will mostly eat Indian, Italian or salads.
• Jain and no-onion-no-garlic meals are possible, never spontaneous. Email the property a week ahead and get it confirmed in writing.
• Guesthouses on Maafushi, Thulusdhoo and Dhigurah cook Indian-style curries on request and cost a fraction of resort rates.
• Alcohol is served only at resorts and licensed liveaboards, never on inhabited local islands. Do not bring duty-free alcohol in; it gets held at Velana and returned when you leave.
• Pack khakhra, theplas and a few ready-to-eat pouches. Resort snacks are priced in dollars.

Tipping and etiquette

A 10 percent service charge is already on your bill, so tipping is a thank-you, not an obligation. In practice: USD 5 to USD 10 a day for a villa host at the end of the stay, USD 1 to USD 2 per bag for porters, USD 10 to USD 20 for a dive guide, all in USD cash.

On dress and behaviour:

• On resort islands, swimwear is fine everywhere except restaurants. On inhabited local islands, cover shoulders and knees. This applies to men as well.
• During Ramadan, local island cafes may close in daylight hours. Resorts are unaffected.
• Public affection, drinking on local islands, and flying drones over villages all cause problems. Ask first.
• The Maldives restricts the import of idols and religious material of other faiths. Small personal items are rarely an issue, but do not casually pack a large statue.
• Taking coral, shells or sand out of the country is illegal.

Safety and health

Crime is very low. The real risks are sun, current and boats. Currents between islands are strong, so use the resort snorkel guide the first time and stay inside marked house-reef zones. Anything beyond a basic resort clinic means a speedboat or seaplane to Malé (ADK Hospital or IGMH), which is why travel insurance with evacuation cover matters; a week of cover costs about Rs 800 to Rs 2,000. Carry prescription medicines in original packaging with the prescription.

One timing trap catches first-timers: seaplanes fly only in daylight. If your flight from India lands in the late afternoon, you may pay for a night in Hulhumalé before you reach the resort. Check the transfer window before you lock your flights.

Know before you go

• Indian passport holders get a free visa on arrival, usually 30 days, with a confirmed booking, onward ticket and proof of funds. Confirm current rules on the official Maldives Immigration portal.
• Fill the Traveller Declaration on the official IMUGA portal within 96 hours of both arrival and departure. It is free and takes five minutes.
• Direct flights run from Delhi, Mumbai, Bengaluru, Chennai, Kochi and Hyderabad, roughly 2 to 4.5 hours. Return fares are approximately Rs 18,000 to Rs 40,000 depending on season.
• The dry season is Nov to Apr; May to Oct is wetter, cheaper, and still has plenty of good days.
• Easy to forget: reef-safe sunscreen bought in India (resort shops charge USD 30 and up), rash guard, water shoes, dry bag, motion sickness tablets for the speedboat, your own snorkel mask, universal adapter, power bank, small USD notes, sunglasses strap.

Related Maldives Travel Guides

Planning a trip to Maldives? Check out our tested guides for real Indian traveler budgets, day-by-day itineraries, and insider tips:

• Complete Planning Guide: Maldives Trip from India: The Complete Planning Guide
• Visa & Entry Rules: Maldives Visa for Indians: Rules, Fees & How to Apply
• Trip Budget & Resort Costs: Maldives Trip Cost from India: A Real Budget Breakdown
• 5-Day Itinerary: Maldives in 5 Days: A Relaxed First Trip Itinerary