Top International Travel Packages with EMI Option

International travel is no longer seen as once-in-a-lifetime. For many Indian travellers today — especially working professionals, newly married couples, and mid-sized families — overseas holidays have become more frequent, but cost remains a deciding factor. That’s where travel packages with EMI (Equated Monthly Installment) options come in.

Instead of paying the entire amount upfront, travellers can now choose plans that allow flexible monthly payments, often at low or zero interest. These aren’t last-minute deals or clearance sales — they’re structured, verified tours offered by recognised operators, including flight bookings, visas, hotels, and guided itineraries.

Why EMI-Based Travel Packages Are Gaining Popularity

With the rise of digital payments and travel aggregators, EMI-based holiday planning has become common. The process is straightforward: travellers select a destination, submit basic documentation, and pay a small booking amount. The rest is spread out over a few months — either through a credit card or directly via the tour operator's financing partner.

This system benefits travellers who want to lock prices early, plan ahead for school holidays or festival seasons, or simply avoid large one-time payments.

From metro cities like Delhi and Mumbai to growing urban hubs like Bhubaneswar, Nagpur, and Surat, EMI plans are being actively offered on both luxury and budget travel routes.

Southeast Asia: Short Flights, Low EMIs

Packages to Thailand, Singapore, Malaysia, and Bali are among the most EMI-friendly due to shorter itineraries and affordable pricing. A 5-night Singapore–Malaysia tour, for example, might cost ₹65,000 per person. With EMI options, this breaks down to under ₹6,000 a month for 12 months, depending on the provider.

Flight fares are stable, and visa processes are simple. Many tour companies include airport transfers, hotel stays, daily breakfast, and city tours. For first-time international travellers or couples planning a short honeymoon, these packages are among the most preferred.

 

Dubai and Abu Dhabi: Quick Turnarounds, Flexible Dates

Dubai’s popularity among Indian travellers continues to grow, and EMI-based packages have contributed to that. Operators often promote 4-night Dubai tours with visa, flights, hotel, and sightseeing included. The cost generally ranges between ₹65,000–₹85,000 depending on season and stay category.

Because trips are shorter (typically 4–5 days), monthly instalments remain manageable. In many cases, no-cost EMI is available for 6 or 9 months through credit card payment plans, especially during festival promotions or flash deals by travel sites.

Europe: Long Tours, Longer EMI Durations

Europe trips remain expensive, but EMI options make them accessible to a larger audience. A 10-day Europe group tour covering France, Switzerland, and Italy costs around ₹1.5 to ₹2.2 lakhs per person. Without EMI, such trips are unaffordable for many. With EMI, however, payments can be spread across 9–18 months.

Travel platforms like MakeMyTrip, SOTC, and Thomas Cook now allow EMI through Bajaj Finserv, HDFC Bank, or ZestMoney, offering pre-approved limits to users based on credit history. Even custom Europe trips for small families can be financed in this way — with fixed departures, visa help, and sightseeing bundled in.

Travellers are advised to plan 2–3 months ahead to manage the visa process and get better airfare.

 

Mauritius, Maldives, and Sri Lanka: Island Travel Made Practical

Beach destinations that were once considered luxury escapes are now within reach. A 3-night Maldives package with flight and stay can start from ₹75,000 per couple. Some resorts even partner with banks to offer EMI options directly from their booking site.

Mauritius and Sri Lanka offer similar flexibility. Because the packages are usually all-inclusive (meals, stay, local travel), additional costs remain low, making it easier to plan monthly payments without surprises.

These destinations are especially popular for honeymoons or anniversary trips, where travellers want scenic stays but also prefer fixed budgets.

 

Baku, Tashkent, and Central Asia: New Low-Cost Markets

Lesser-known destinations like Azerbaijan (Baku), Uzbekistan (Tashkent), and Georgia have entered the Indian travel space in recent years. Packages for these start at ₹55,000–₹70,000 including airfare, stay, visa, and tours.

Since these are single-country trips, with relatively short flight times and straightforward itineraries, EMI options are increasingly being offered by niche travel operators and regional agencies. Monthly EMIs often stay below ₹5,000 with 12-month plans — a key reason why young travellers from Tier-2 cities are exploring these routes more often.

How the EMI Process Works

The EMI process for international tour packages is usually simple. Travellers must:

Choose a package from a verified operator or platform

Pay a small booking amount upfront (₹5,000–₹20,000 on average)

Complete KYC and income verification (usually for non-credit card EMI)

Select a repayment term (3, 6, 9, or 12 months)

Pay the rest via auto-debit or credit card billing

Zero-cost EMI is often available during festive periods or limited-time deals. Otherwise, interest rates vary depending on the loan partner and credit profile. Many platforms also allow EMI conversion after full payment via credit card.

Important Things to Check Before Booking

Before selecting a package with EMI, it’s worth checking:

What’s included (visa, airport transfers, meals)

Currency exchange policies and forex card assistance

Cancellation or refund policy in case of visa rejection or travel delay

Whether the EMI is truly interest-free or just deferred billing

Any additional fees for documentation, taxes, or tipping

Since many international trips require planning at least 45–60 days in advance, early booking helps secure better prices and travel slots.

Final Word

Traveling abroad doesn’t always require a six-figure savings account. With EMI options becoming mainstream, international holidays are now more about planning than privilege. Whether it’s a short Dubai escape or a detailed Europe circuit, more Indians are choosing to pay over time and go sooner — not later.

And for those who have always put off a foreign trip thinking it’s too expensive, it may just be a matter of breaking the cost into manageable parts.