✈️ Travel Now, Pay Later: Making Dream Vacations Affordable in India

Updated on October 27, 2025

🌍 Introduction

Dreaming of a relaxing vacation in the hills or a beach getaway but short on funds? You’re not alone. With the rising cost of flights and hotels, many travelers in India are turning to “Travel Now, Pay Later” (TNPL) schemes. These flexible travel EMI plans allow you to book your dream trip instantly and pay for it in easy installments over time — often with zero or low interest rates.

Banks, credit card issuers, and travel platforms have now partnered to offer seamless travel financing options, making it easier than ever to explore the world without emptying your wallet.

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💳 What Is “Travel Now, Pay Later”?

“Travel Now, Pay Later” is a short-term credit facility that lets travelers spread the cost of their trips over several months. Instead of paying the full amount upfront, you can convert your travel expenses — including flights, hotels, and tour packages — into monthly EMIs.

These travel financing options are available through:

• Banks offering personal loans or special travel EMIs
• Credit cards with travel EMI conversion
• Fintech platforms partnering with travel portals like MakeMyTrip, Yatra, or EaseMyTrip

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🏦 Top Banks Offering “Travel Now, Pay Later” in India

1. HDFC Bank

HDFC offers easy EMI conversions on credit card spends for flight and hotel bookings. Their SmartEMI option can be used for both domestic and international travel.

Features:

• Tenure: 3 to 24 months
• Interest rate: Starting from 12% p.a.
• Partner portals: MakeMyTrip, Yatra, Cleartrip

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2. ICICI Bank

ICICI Bank’s PayLater account acts like a short-term digital credit line. You can book your travel using PayLater and repay it within 45 days or convert it into EMIs.

Highlights:

• Interest-free period up to 45 days
• Instant booking and approval
• Integration with leading travel apps

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3. Axis Bank

Axis Bank’s EMI on Credit Card lets you convert travel-related spends above ₹2,500 into EMIs.

Perks:

• No documentation
• Flexible tenure: 3–24 months
• Often includes cashback or discounts on travel portals

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4. SBI Card (State Bank of India)

The SBI Card Easy EMI feature allows travelers to split their travel expenses into affordable monthly installments directly from their card statement.

Features:

• Instant EMI conversion
• Tenure up to 24 months
• Available on most travel bookings above ₹3,000

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5. Kotak Mahindra Bank

Kotak offers Personal Loans for Travel as well as EMI on Credit Cards. Perfect for both domestic and international vacations.

Benefits:

• Quick approval
• Flexible repayment up to 36 months
• Competitive interest rates

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💰 Credit Card Travel EMI Offers in India

Many credit cards now come with special travel EMI schemes that make trips easier to plan and budget for.

Popular Credit Cards with Travel EMI Benefits:

• HDFC Diners Club Privilege
• ICICI Bank Coral Credit Card
• SBI Card PRIME
• Axis Bank Atlas Credit Card

These cards often come with exclusive travel offers such as:

• Complimentary airport lounge access
• Air mile rewards
• Discounts on flight and hotel bookings
• Zero-cost EMIs on select portals

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🌐 How Travel Portals Support “Pay Later”

Major online travel platforms in India are collaborating with banks and fintech firms to offer instant travel credit options:

• MakeMyTrip – TripMoney: Offers “Travel Now Pay Later” in partnership with several NBFCs.
• Yatra & EaseMyTrip: Provide zero-cost EMI offers with HDFC, ICICI, and Axis Bank cards.
• Cleartrip: Allows easy EMI conversions for most credit card users.

These integrations make checkout smoother — you can book your entire trip in minutes and spread payments conveniently.

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🧭 Why Choose Travel Now Pay Later?

Advantages:
✅ Book instantly, pay later in installments
✅ Zero-cost EMI offers on select portals
✅ No collateral or lengthy paperwork
✅ Perfect for unplanned getaways or emergency travel

Things to Keep in Mind:
⚠️ Check the interest rate and processing fee
⚠️ Ensure timely repayments to avoid penalties
⚠️ Compare offers from multiple banks and credit cards

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✨ Conclusion

The Travel Now, Pay Later revolution is transforming how Indians plan their holidays. Whether it’s a weekend trip to Goa or a European vacation, these travel financing options from banks and credit cards make travel more accessible, flexible, and stress-free.

So the next time wanderlust calls, remember — you can pack your bags today and pay later!

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