Three ways to split a trip cost
1. Credit-card EMI
Your card issuer (HDFC, SBI, ICICI) converts purchases above ₹10,000 into 3/6/9/12/24-month EMIs. Rates: 12–18% per annum (often advertised as "low-cost" but not zero).
2. Merchant EMI via Razorpay
Merchants can offer no-cost EMI at checkout. You pay only the purchase amount; Razorpay absorbs the interest (and merchants build it into price). This is what our checkout will offer for most packages once booking is live.
3. Personal loan / travel loan
NBFCs like Bajaj Finserv and TATA Capital offer travel-specific loans. Rates: 11–15%. Use only if other options aren't available — you're paying a year or more of interest.
Worked example
A ₹60,000 Bali trip:
- No-cost EMI, 6 months: ₹10,000/month. Total: ₹60,000.
- Card EMI at 14%, 6 months: ~₹10,440/month. Total: ₹62,640.
- Personal loan at 12%, 12 months: ~₹5,328/month. Total: ₹63,940.
Our take
Use no-cost EMI when offered (we offer it on most trips). Skip personal loans for anything under ₹1L — the interest outweighs the benefit. Read the RBI's guidance on EMI schemes before signing.
Want to talk through trip + EMI options? Contact us.
