Easy EMI
Easy EMI for Travel
Travel Now. Pay Easy.
BIG DREAM | EASY EMI
Ab apne dream holiday ko sirf ek saath full payment ki wajah se postpone mat kijiye.
Travokash Easy EMI ke through eligible customers apni travel booking ko applicable EMI, card EMI, debit-card EMI, financing aur other flexible payment options ke through manage kar sakte hain.
Whether you're planning a domestic holiday, international trip, honeymoon, family vacation, medical travel, corporate trip or customized package, applicable travel bookings ke liye available financing options check kiye ja sakte hain.
🌍 Travel + Finance, All in One Place
Travokash is not just a travel platform.
We combine:
✈️ Travel
Flights • Hotels • Holiday Packages • Visa Assistance • Domestic & International Travel
💳 Finance
EMI • Debit Card EMI • Credit Card EMI • No-Cost EMI • Low-Cost EMI • Pre-Approved Limits
🧳 Experiences
Honeymoon • Family Holidays • Group Tours • MICE • Inbound Tourism • Medical Tourism
💰 What is Travokash Easy EMI?
Easy EMI is a payment/financing facility that may allow eligible customers to pay for an eligible travel purchase in monthly instalments instead of paying the entire eligible amount upfront.
Depending on the payment method and customer eligibility, the EMI may be provided through:
- Debit Card EMI
- Credit Card EMI
- Bank EMI
- Pre-approved EMI
- Consumer finance
- NBFC-backed financing
- Digital financing
- Other applicable financing/payment options
The actual EMI option displayed to a customer depends on eligibility, transaction value, merchant availability, bank/financing partner rules and the specific booking.
🏦 Debit Card EMI
Credit Card nahi hai? No Problem.
Eligible customers may be able to use Debit Card EMI where the applicable bank and merchant/payment setup supports it.
Currently, various Indian banks offer Debit Card EMI facilities to eligible customers, including banks such as:
- HDFC Bank
- ICICI Bank
- Axis Bank
- Kotak Mahindra Bank
- Other participating banks, depending on the applicable transaction/payment setup.
HDFC, ICICI, Axis and Kotak all publish Debit Card EMI facilities, with eligibility and merchant availability varying by bank.
How Debit Card EMI may work:
Select Travel → Choose EMI → Check Eligibility → Select Tenure → Authenticate → Complete Booking
For example, ICICI describes EMI on Debit Card as available at participating merchants/websites for eligible customers, while Axis states that its facility is available to select customers and participating merchant/e-commerce locations.
💳 Credit Card EMI
Eligible customers may also be able to convert eligible travel purchases into EMI using participating credit cards.
Depending on the applicable bank/payment option, customers may get:
- 3-month EMI
- 6-month EMI
- 9-month EMI
- 12-month EMI
- 18-month EMI
- 24-month EMI
Available tenure varies by bank, customer eligibility, transaction amount and offer.
For example, HDFC currently describes EasyEMI options across 3–24 months for certain products and eligible customers.
🏦 Bank EMI Options
Depending on the customer's eligibility and the applicable payment setup, EMI options may be available through participating banks.
Possible bank categories include:
Debit Card EMI
- HDFC Bank
- ICICI Bank
- Axis Bank
- Kotak Mahindra Bank
- Other participating banks
Credit Card EMI
- HDFC Bank
- ICICI Bank
- Axis Bank
- Kotak Mahindra Bank
- Other participating card issuers
Important: Bank availability does not mean every customer or every Travokash booking will automatically qualify.
Eligibility may depend on:
- Card type
- Customer profile
- Pre-approved limit
- Transaction amount
- Merchant/payment setup
- Destination/service
- Bank policy
- Tenure
- Current offer
💸 No-Cost EMI
Pay in instalments without paying the full amount upfront.
Where a No-Cost EMI option is specifically available, the customer may receive an EMI offer where the applicable interest component is offset/subsidised according to the relevant merchant/bank/financing arrangement.
No-Cost EMI does not necessarily mean that the underlying financing has zero interest or zero charges.
For example, ICICI's current terms explain that in certain No-Cost EMI transactions, the bank may continue to charge interest and the customer receives the No-Cost EMI benefit through a merchant-funded cashback mechanism.
Therefore, the final EMI amount, interest, cashback/subvention, processing fee and other applicable charges should always be checked before confirmation.
💙 Low-Cost EMI
If No-Cost EMI is not available for a particular booking, an applicable Low-Cost EMI option may be available.
The customer may pay:
- Principal amount
- Applicable interest
- Processing fee
- GST/taxes
- Other applicable charges
The exact cost will depend upon the financing provider and selected tenure.
⚡ Pre-Approved Finance Limit
Already have a pre-approved limit?
Eligible customers may be able to use an existing pre-approved finance/EMI limit for eligible travel purchases.
A pre-approved limit may be determined by the applicable bank, NBFC or financing provider.
Important: A pre-approved limit does not automatically guarantee approval for every transaction.
The final approval may depend on:
- Customer eligibility
- Available limit
- Transaction amount
- Merchant/category eligibility
- Internal risk/credit policies
- KYC requirements
- Financing provider's decision
🏦 Consumer Finance & NBFC Options
Travokash may facilitate eligible travel financing through applicable banks, NBFCs and regulated/authorised financing/payment providers.
Depending on the customer's eligibility and the available product, financing may be structured as:
Consumer Finance
A financing facility for an eligible travel purchase.
EMI Finance
The eligible booking amount is repaid through scheduled instalments.
Digital Finance
Paperless/online application and authentication may be available for selected customers.
Pre-Approved Finance
Existing eligible customers may receive a pre-approved limit from the applicable provider.
🔐 How Finance Approval Works
Step 1
Choose Your Travel
Select your flight, hotel, package or other eligible travel service.
Step 2
Choose Easy EMI
Select the available EMI/finance option.
Step 3
Eligibility Check
The applicable bank/financing provider checks your eligibility.
Step 4
Select Tenure
Choose from the tenure options available to you.
Step 5
Review Charges
Check:
- EMI amount
- Interest rate
- Processing fee
- GST/taxes
- Down payment, if any
- Total repayment amount
- Foreclosure/pre-closure charges, if applicable
Step 6
Authenticate
Complete the applicable OTP, card authentication, KYC or digital consent process.
Step 7
Booking Confirmation
Once the payment/finance transaction is successfully completed, the applicable travel booking can be processed.
📊 EMI Example
Suppose your eligible travel booking is:
₹60,000
You may see an available financing option such as:
₹60,000 → EMI → Selected Tenure
The exact monthly EMI cannot be assumed in advance because it depends on:
- Interest rate
- Tenure
- Processing fee
- GST
- Down payment
- No-Cost EMI/subvention
- Financing provider
- Customer-specific offer
The final EMI schedule displayed during the transaction will prevail.
💰 What Charges Can Apply?
Depending on the selected EMI/finance option, applicable charges may include:
- Interest
- Processing fee
- GST
- Convenience/payment charges
- Foreclosure/pre-closure charges
- Late payment charges
- Auto-debit return charges
- Other financing-provider charges
For example, ICICI currently publishes processing fees and other charges for its Debit Card EMI product, while Axis publishes its own applicable interest/tenure structure.
Travokash does not guarantee a particular interest rate or fee unless specifically mentioned in the customer's applicable offer/booking confirmation.
✈️ What Can You Finance?
Subject to eligibility and the applicable financing/payment option, Easy EMI may be available for:
🏖️ Holiday Packages
Domestic & International
✈️ Flights
Domestic & International
🏨 Hotels
Hotels & Resorts
💑 Honeymoon Packages
👨👩👧 Family Holidays
👥 Group Tours
🌍 International Travel
🇮🇳 India Travel
💼 Corporate & MICE Travel
🏥 Medical Tourism – Travel Components
Applicable travel-related components such as flights, accommodation and transportation may be eligible depending on the financing product.
Not every service or transaction is necessarily eligible for financing.
🪪 What Documents May Be Required?
Depending on the financing option, customers may be asked for:
- PAN
- Aadhaar or other KYC document
- Registered mobile number
- Bank/card details
- Address details
- Income/financial information
- OTP authentication
- Additional documents where required
Some bank/card EMI products may require little or no additional documentation for eligible customers.
The exact requirements are determined by the applicable bank/NBFC/financing provider.
👤 Who Can Get Easy EMI?
Easy EMI is available only to eligible customers.
Eligibility may depend on:
- Age
- KYC status
- Bank relationship
- Card eligibility
- Credit/finance profile
- Pre-approved limit
- Transaction amount
- Repayment history
- Financing provider's internal policies
Travokash cannot guarantee EMI approval.
🔄 What Happens If I Cancel My Travel Booking?
This is extremely important.
Travel booking cancellation and EMI/finance cancellation are separate matters.
If a customer cancels a financed travel booking:
- Travel refund will be calculated according to the applicable cancellation/refund terms.
- Supplier charges may be deducted.
- The financing provider may have separate rules.
- Interest/processing/foreclosure charges may apply according to the finance agreement.
- Any adjustment to the EMI/loan account will depend on the applicable financing/payment provider.
- Travokash does not independently control the customer's loan/EMI account.
Therefore, cancelling a travel booking does not automatically mean that the EMI facility or financing account is cancelled.
🛡️ Your Finance Is Between You & the Finance Provider
Travokash helps facilitate the travel transaction and applicable financing/payment journey.
The actual financing agreement is between the customer and the applicable bank/NBFC/financing provider.
The financing provider determines:
- Approval
- Loan/finance amount
- Interest
- Tenure
- EMI
- Processing fee
- Credit limit
- Repayment schedule
- Late payment charges
- Foreclosure terms
- Other financing conditions
🚫 No Hidden EMI Promise
Before confirming an EMI transaction, customers should verify:
Total Travel Amount
Amount Financed
Down Payment
Monthly EMI
Tenure
Interest Rate
Processing Fee
GST/Taxes
Total Repayment
Foreclosure Charges
Late Payment Charges
The final terms displayed by the applicable financing/payment provider will govern the financing transaction.
🔥 Why Travokash Easy EMI?
✈️ Travel + Finance
Travel and payment flexibility together.
💳 Multiple EMI Routes
Debit Card • Credit Card • Bank EMI • Consumer Finance • Other eligible options.
💰 No-Cost EMI
Available on selected eligible transactions.
⚡ Pre-Approved Limits
Use eligible existing finance limits where supported.
🧳 Multiple Travel Categories
Flights • Hotels • Packages • Honeymoon • Group • Corporate • International Travel.
📲 Simple Digital Process
Where supported, eligibility and authentication can be completed digitally.
❓ Frequently Asked Questions
Is Easy EMI available for every customer?
No. EMI availability depends on customer eligibility, bank/financing-provider policy and the specific transaction.
Can I use my Debit Card for EMI?
Eligible customers may be able to use Debit Card EMI where the applicable bank and merchant/payment setup supports it.
Which banks offer Debit Card EMI?
Banks including HDFC Bank, ICICI Bank, Axis Bank and Kotak Mahindra Bank publish Debit Card EMI facilities, with availability subject to their respective eligibility and participating-merchant conditions.
Is No-Cost EMI really zero interest?
The customer should check the actual transaction terms. In some structures, the bank continues to charge interest while the merchant provides a corresponding benefit/cashback to make the transaction effectively No-Cost to the customer.
Can I get EMI without a Credit Card?
Yes, eligible customers may have access to Debit Card EMI or other financing options.
Do I need a good credit profile?
Eligibility is determined by the applicable bank/NBFC/financing provider. Travokash does not make the final credit decision.
Can I use a pre-approved finance limit?
If your finance provider allows the applicable travel transaction/category, an eligible pre-approved limit may be used subject to available limit and transaction approval.
Can I choose the EMI tenure?
Where multiple tenures are offered, you can select from the available options.
Does Travokash decide my interest rate?
No. Interest, fees and financing terms are determined by the applicable financing/payment provider and the specific offer.
Can I pay for a honeymoon package on EMI?
Eligible honeymoon packages may be financed if the specific transaction and customer qualify for the available EMI/finance option.
Can international travel be booked on EMI?
Yes, where the particular travel transaction and financing option are eligible.
📞 Check Your Easy EMI Option
Your Dream Trip. Your Choice. Your EMI.
Tell us your travel requirement and we can help you understand the applicable payment/EMI options available for your booking.
📞 8076016565
📧 hello@travokash.com
🌐 www.travokash.com