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Budapest,VIenna: Cash, Credit, ATM, Clothing, HELP

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Spending but a few days with a tour group in Vienna and Budapest. Only monetary needs are lunch and trinket purchases. How much cash should I expect to have on hand for those purchases. I understand many places do not accept credit cards, even with a chip. Also, I understand Vienna is more "business casual" in dress. No tennis shoes ever? Even if going to touristy locations? Concert halls I'm expecting more "dressy"... coat/slacks for men, dresses/suits for women?
I've read Budapest is more casual. Do women over 40 wear shorts or just slacks/skirts/dresses? Do tourist men wear shorts or just slacks? How about $ in Budapest? Same tips as Vienna? Any tips would be greatly appreciated.

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