Holiday Packages on EMI

How paying in EMIs works with us

1. 1Get a costed quotePick a package below or tell us your trip. We send a day-wise plan and a price, usually within a working day.
2. 2Pay the booking amount25% of the package for India trips, 30% for international ones. Convert it to EMI at checkout if your card allows.
3. 3Pay the balance before departureOn the date in your booking confirmation. This can go on EMI too — many travellers split the trip across two conversions.
4. 4Your bank does the restThe instalments appear on your card statement from the next billing cycle. We receive the full amount, so your bookings are confirmed in full.

No-cost EMI: what it really means

No-cost EMI is a discount equal to the interest, not an interest-free loan. The bank still charges interest; the offer knocks that amount off the price, so your instalments add up to the original figure. You still pay 18% GST on the interest and usually a processing fee, which is why a “no-cost” EMI on a ₹1–1.5 lakh trip typically costs ₹1,000–2,000 extra. Offers come and go by bank and season; we tell you at the time of quoting whether one applies to your card.

For a full worked example, the costs of personal loans and the case for saving instead, read our holiday EMI and travel loans guide. Every accepted payment method is listed on our payment options page.

Taxes the EMI does not change

Tour packages carry 5% GST. Overseas packages also attract 2% TCS from 1 April 2026, collected on the package value however you pay. TCS is an advance tax, not a fee: it appears in your Form 26AS and you claim it back when you file your return. Work out the figure for your trip with the TCS calculator.