Tour Packages on EMI: Stress-Free Domestic and International Travel

Tour packages have made travel planning simple for Indian families, as you pay one fixed price for flights, hotels, transfers and sightseeing. Travel is also growing fast, with Indians making 3.02 crore international trips in 2024, up 8.44% from 2023. With a package, you spend your time enjoying the holiday instead of managing bookings.

Here is why a tour package often works better than planning each part of a trip yourself, especially when you travel with elderly parents or young children:

• You know the full cost upfront: There are no surprise hotel or transfer bills in a foreign currency after you land.
• Someone else handles the logistics: The tour operator manages airport pick-ups, hotel check-ins and day tours, which is a big relief on a first trip abroad.
• Families get on-ground support: Escorted group tours include a tour manager, so help is always close by if plans change.
• You see more in less time: A 5-night Bangkok and Pattaya itinerary covers both cities without you working out local trains or taxis.
• Bundled rates can cost less: Operators book rooms and activities in bulk, so a package can cost less than booking each part separately.

Getting one on Easy EMIs makes the decision even easier. With the Bajaj Finance Insta EMI Card, you can split the package cost over 3 to 60 months. A Rs. 60,000 Bali trip, for example, works out to Rs. 5,000 a month over 12 months*.

*EMIs are indicative.

Before you shortlist a destination, check your Insta EMI Card eligibility using your mobile number and OTP. This way, you know how much of your trip you can cover on Easy EMIs.

Tour packages vary in how much freedom, support and comfort they offer. Knowing the main types helps you pick one that suits your travel style, your group and the experience you want.

• Escorted group tours: A tour manager travels with your group from India, so you do not need to plan anything. They suit first-time Europe trips, such as a 9-day London, Paris, Switzerland and Italy circuit.
• Customisable packages: You choose the hotels, dates and activities yourself. Couples who want a slower trip through Bali or Vietnam often prefer this type.
• Land-only packages: These cover hotels, transfers and sightseeing, but not flights. They help when you have airline miles or have already found a cheap fare. A 3-night Thailand land-only package starts at about Rs. 15,590 per person.
• Honeymoon packages: These add private transfers, couple activities and better rooms. A Bali honeymoon package costs about Rs. 75,000 per person.
• Adventure and wellness packages: These include scuba diving and Western Ghats treks in Goa, or yoga and Ayurvedic retreats for a quieter break.

→ Pro tip: For your first international tour on EMIs, an escorted package takes away most of the guesswork. From your second trip onwards, a customisable package usually gives you more freedom on the same budget.

The number of nights shapes your budget, your leave plan and how relaxed the trip feels. Use the guide below to match the trip duration to the destination you have in mind.

• 2 to 3 nights: This suits weekend breaks to Goa, Coorg or Munnar. You need only 1 or 2 days of leave, and a 2-night Coorg package starts at about Rs. 7,800 per person.
• 4 to 5 nights: This is ideal for Dubai, Bangkok or Singapore. Flights from most Indian metros take about 4 to 6 hours, so you lose very little holiday time in travel.
• 6 to 7 nights: This suits Bali or Vietnam, where you want to cover 2 or 3 regions. For example, combining Hanoi, Ha Long Bay and Ho Chi Minh City needs at least 7 days.
• 8 to 12 nights: This suits Europe and Australia, where flights alone take 9 hours or more. A 9-to-11-night Australia package with Thomas Cook costs about Rs. 3.8 lakh to Rs. 4.3 lakh per person. For a foreign trip on EMIs this long, check that the total stays within your card loan offer.

→ Key takeaway: Add 1 day for every long flight when you plan your leave. A 7-night Europe trip usually needs 9 days away from work.

A low headline price does not always mean a cheaper trip. Before you pick from EMI travel packages, check these points so the trip matches your plans and you avoid extra costs later.

• What the price includes: Check whether flights, meals, visa fees, travel insurance and entry tickets are covered. Many low-priced deals are land-only.
• Visa timelines: The UK, Australia and Schengen countries such as France and Italy need a visa in advance. Apply at least a month before you travel.
• Season and weather: Dubai summers can cross 40 degree Celsius, so November to March is more comfortable. Goa packages cost less in the monsoon, but some water sports stay closed.
• Cancellation terms: Read the refund rules for flights and hotels, as these often differ within one package.
• Hotel location: A central hotel saves you daily taxi costs and travel time, especially in London and Singapore.
• Cost for the whole group: Prices are usually per person. A Rs. 45,670 Bangkok package for a family of four comes to Rs. 1,82,680.

→ Pro tip: Ask the platform for a final quote with every inclusion listed before you confirm the payment with your OTP.

You can pay the full package amount at once. You can also book with the Bajaj Finance Insta EMI Card and split the cost into Easy EMIs over 3 to 60 months, so you repay the trip over the months after you return.

Your tour package EMI depends on the package price and the tenure you pick. The table below shows how a Rs. 1,20,000 tour package can look across different repayment tenures.

Last updated: 16th October, 2026

Disclaimer: EMIs are indicative and are calculated by dividing the package price by the tenure. Actual EMIs may differ based on the offer, applicable interest and charges.

→ Real-world example: Riya and Aman from Pune booked a Rs. 1,20,000 Singapore trip in August for the Diwali holidays. They chose a 12-month tenure, so they pay Rs. 10,000 a month without touching their emergency savings.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan that lets you buy products and book services on Easy EMIs. It is not a credit card. You can book tour packages on the Insta EMI Card through travel platforms such as MakeMyTrip, Goibibo and EaseMyTrip.

The card works like a ready-made card loan for big planned expenses, including holidays. Here are the key features that make it useful for travel bookings and everyday purchases alike:

• A pre-qualified card loan offer of up to Rs. 6 lakh.
• A repayment tenure you choose across 3 to 60 months.
• A card you can use on Amazon and Flipkart, and at over 1.5 lakh partner stores across more than 4,000 cities.
• A one-time joining fee of Rs. 530*, with zero annual fee from the second year onwards.
• A fully online application that needs only your PAN, Aadhaar and registered mobile number.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If you are eligible, you can apply instantly and book your preferred domestic or international tour package easily and affordably.

*Inclusive of applicable taxes.

Easy EMIs change when and how you travel, not just how you pay for the trip. Here is how EMI-based tour packages help you get more from your holiday budget:

• Lock in early prices: You can confirm a Diwali or summer vacation trip months ahead, before seats and rooms sell out.
• Keep cash free for the trip: Your bank balance stays available for forex, local experiences and shopping abroad.
• Fit travel around household bills: A fixed monthly amount sits easily alongside rent, school fees and other regular payments.
• Take the whole family along: A Rs. 35,500 Dubai package for a family of five totals Rs. 1,77,500, or about Rs. 14,792 a month over 12 months*.
• Upgrade your trip in small steps: An extra night or a better hotel costing Rs. 12,000 adds only Rs. 1,000 a month over 12 months*.

*EMIs are indicative.

→ Verdict: If a trip fits your monthly budget but not your bank balance today, Easy EMIs let you travel now instead of postponing it for a year.

Applying for the Bajaj Finance Insta EMI Card is fully online and needs only your PAN, Aadhaar and registered mobile number. Follow these steps to get your card before you book your trip:

1. Enter your 10-digit mobile number and click on ‘GET IT NOW’ on this page.
2. Enter the OTP and submit.
3. Enter your full name and click on ‘Yes, Auto-Fetch Details’.
4. Verify your pre-filled personal details and click ‘CONTINUE’.
5. Check your pre-qualified card loan offer amount and click ‘CONTINUE’.
6. Review your wallet setup details and verify the OTP.
7. Complete identity verification by confirming your current residential address.
8. Pay the one-time joining fee of Rs. 530 (inclusive of applicable taxes).
9. After successful payment, view your card details on the Bajaj Finance app.

Note: The process may differ based on whether you are a new or existing Bajaj Finance customer.

Also read: How to apply for the Insta EMI Card

The EMI option for tour packages appears on the payment page of partner travel platforms. Paying for a travel package on EMIs takes only a few minutes when you follow these steps:

1. Choose your tour package on MakeMyTrip, Goibibo or EaseMyTrip and go to the payment page.
2. Select the EMI payment option and choose the Bajaj Finance Insta EMI Card.
3. Enter your Insta EMI Card details and registered mobile number.
4. Choose a repayment tenure across 3 to 60 months that fits your budget.
5. Confirm the payment using the OTP sent to your registered mobile number.
6. Your booking is confirmed, and EMI deductions begin from the next billing cycle.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP. This helps you plan your trip better.

The Bajaj Finance Insta EMI Card offers several advantages beyond just splitting payments. From flexible tenures to wide acceptance, here are the key benefits that make this card a practical choice for everyday purchases.

Also read: Features and benefits of the Bajaj Finance Insta EMI Card

Before you apply, it helps to check whether you meet the basic eligibility requirements. The Bajaj Finance Insta EMI Card is open to most working Indians, and the criteria are simple to understand at a glance.

• Nationality: Indian Citizen.
• Age: 21 years to 70 years.
• Credit score: A healthy credit score per Bajaj Finance policies.
• Income: A steady, regular source of income.
• Documents: No physical documentation required when applying online. Only the following details are required: PAN and Aadhaar number.
• Form 60: In case of non-availability of PAN, Form 60 is required.

Also read: Eligibility criteria for the Insta EMI Card

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