Travel is no longer just a luxury—it’s an experience everyone wants. But with international holidays, destination weddings and long family vacations getting costlier, paying in one shot can be stressful. That’s where Travel EMI providers step in, making it easier to pay in small, flexible installments. From startups to fintech leaders, several players now offer travel on EMI without credit card hassles.
Here are the Top 10 EMI Providers in India that make your dream trips affordable.
- Bajaj Finserv EMI Card
- HDFC Bank SmartEMI
- ICICI PayLater Travel
- KreditBee
- LazyPay
- Mihuru
- Paytm Postpaid Travel
- Pine Labs
- Sankash
- ZestMoney
Bajaj Finserv EMI Card | Widely Accepted EMIs
Bajaj Finserv’s EMI Network Card is one of the most widely accepted tools for converting travel spends into EMIs. Customers can use it to book flights, hotels, and holiday packages across thousands of partner merchants. With options like zero down payment, no-cost EMI, and flexible tenure choices, it is ideal for families planning large vacations or destination weddings. Backed by Bajaj’s strong financial network, this card is reliable, versatile, and designed for travelers who want a mix of affordability and wide acceptance.
HDFC Bank SmartEMI | Bank-Backed Security
HDFC Bank is a trusted financial giant that offers customers the ability to convert travel-related expenses into SmartEMI. Whether it’s flight tickets, hotel bookings, or holiday packages, eligible HDFC credit and debit cardholders can choose flexible repayment tenures that make big trips more manageable. Known for its low interest rates and seamless integration with partner travel merchants, HDFC SmartEMI is especially popular for family vacations, long international holidays, and premium tours. Backed by the credibility of a leading bank, it combines financial security with travel convenience.
ICICI PayLater | Instant Credit Line
ICICI PayLater provides a short-term digital credit line that customers can use to cover travel expenses and repay in easy installments. With simple activation via the ICICI mobile app, travelers can book flights, hotels, or packages instantly without worrying about upfront payments. The repayment cycle is flexible, often giving up to 45 days of interest-free credit before EMIs kick in. This makes it a convenient option for existing ICICI customers who want quick, secure, and flexible financing for both domestic and international travel bookings.
Check out ICICI PayLater details online.
KreditBee | Quick Personal Loans
KreditBee is a popular digital lending platform that offers small-ticket personal loans and EMIs, making it easier for young professionals and students to finance travel. With a fast online approval process and minimal paperwork, KreditBee disburses funds quickly, allowing travelers to book tickets, hotels, and packages without delay. Flexible repayment tenures make it suitable for both short weekend getaways and long international holidays. KreditBee is especially attractive to first-time borrowers and those without credit cards, giving them access to travel financing with simple eligibility criteria.
LazyPay | Simple BNPL Travel
LazyPay is another BNPL (Buy Now, Pay Later) provider that simplifies travel financing by allowing customers to split costs into easy EMIs. Known for its instant approvals and minimal documentation, LazyPay is accepted across several travel booking platforms. It is especially appealing to young travelers and those planning quick domestic getaways who prefer smaller, short-term loans. With features like interest-free periods and repayment reminders, LazyPay makes financing travel simple, transparent, and flexible for those who value convenience.
Mihuru | Fly Now EMI
Mihuru is an innovative fintech platform that makes flight bookings and travel packages more affordable by offering easy EMI options. With its “Fly Now, Pay Later” model, travelers can split their airfare or trip costs into small, manageable installments. The process requires minimal documentation, and approvals are quick, making it ideal for first-time international flyers and young professionals. Mihuru works with airlines and travel partners to provide flexible plans, helping customers take trips they might otherwise delay due to high upfront costs.
Check out Mihuru details online.
Paytm Postpaid | Book Now, Pay Later
Paytm Postpaid extends its Buy Now, Pay Later service to travel bookings, enabling users to book flights, hotels, and vacation packages on the Paytm app and pay later. The service functions like a digital credit line, with a monthly billing cycle and the option to repay in flexible EMIs. Widely accessible and easy to activate, Paytm Postpaid is convenient for everyday users of Paytm who want to manage travel expenses without upfront payments. It’s particularly useful for last-minute bookings and budget travelers seeking short-term credit.
Pine Labs | Pay Later Travel
Pine Labs, a leader in merchant payment solutions, extends its EMI offerings to the travel sector through a vast partner ecosystem. It enables customers to convert high-value travel bookings such as flights, hotels, and vacation packages into 0% EMI plans directly at the point of purchase. With a wide acceptance network and strong partnerships with banks and NBFCs, Pine Labs provides travelers with flexibility and ease. Its financing solutions are especially useful for destination weddings, corporate travel, and luxury vacations, helping customers spread out costs without interest burdens.
SanKash | Flexible Travel Financing
Sankash partners with leading OTAs, tour operators, and travel agents to provide customers with the flexibility of No-Cost EMI options and instant travel loans. With a quick and seamless approval process, SanKash ensures that high-value trips such as international holidays, luxury cruises, destination weddings, and premium tour packages are within reach for more travelers. By easing upfront costs, it enables people to book their dream vacations confidently and pay in convenient installments.
Check out HDFC Bank SmartEMI details online.
ZestMoney | Digital Travel Credit
ZestMoney is a well-established digital EMI and BNPL platform that allows travelers to book trips without the need for a credit card. It offers quick digital KYC, zero down-payment options, and flexible EMIs that can extend to both domestic and international travel. Widely accepted across OTAs, airlines, and holiday package providers, ZestMoney is known for making credit more accessible to new-to-credit customers. By breaking down big travel expenses into affordable monthly payments, ZestMoney helps students, families, and frequent travelers turn their plans into reality without financial strain.
Travel dreams no longer need to wait for years of savings. With a wide range of EMI providers and BNPL options, planning a honeymoon, an international family holiday, or even a luxury cruise has become more affordable and stress-free. Whether you prefer fintech players like SanKash and Mihuru, digital credit lines like ZestMoney and LazyPay, or bank-backed solutions from HDFC and ICICI, there’s an option to suit every traveler.
By spreading costs into small, manageable installments, these providers make it easier to explore the world without financial strain. Just remember to compare interest rates, tenure flexibility, and hidden charges before choosing your provider.
With the right EMI partner, you can confidently say: “Book now, travel now, and pay later – on your terms.”
Planning a trip but don’t know where to start?
In this blog, explore the top EMI providers in India that make travel planning easier, more flexible, and completely stress-free.
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