Book international flights on EMI: Your guide to affordable travel

How often have you put off a much-deserved international holiday because of steep flight prices? Many people delay their dream vacations because of the high cost of air tickets. Paying the full amount in one go is not feasible as it can heavily strain your monthly budget. But what if you could spread the cost of your international vacation over time? Flight booking EMI options with the Bajaj Finserv Insta EMI Card can help you travel without financial stress as it lets you book now and pay later, affordably.

International destinations are now within reach. A honeymoon in Bali or a graduation trip to Europe becomes possible when the flight expense of, say, Rs. 50,000 turns into manageable monthly payments of about Rs. 4,500. Your dream of travelling to foreign lands no longer needs to wait for years of savings to come true.

Why paying for flights in EMI makes sense

International flights from India can cost anywhere between Rs. 30,000 to more than Rs. 1.5 lakh per person, depending on the destination. This can be a large sum for a family of four, easily upsetting financial planning for months if it must be paid at once.

Flight booking EMI plans divide this large payment into smaller monthly instalments that are a lot more manageable. So, for instance, instead of a Rs. 80,000 lump sum paid at once, you might pay just Rs. 7,000 per month over a year. With this approach, you can keep your monthly budget intact while booking your dream holiday.

Key benefits of booking travel with your Insta EMI Card

For travellers looking to manage their flight expenses better, the Bajaj Finserv Insta EMI Card offers a unique advantage.

● Low-cost EMIs with minimal interest charges: Enjoy some of the most competitive interest rates in the market with the Insta EMI Card. This means more of your money goes toward your holiday, and less toward service fees.

● Pre-qualified card loan offer amount of up to Rs. 3 lakh: Book international flights for your entire family with this generous limit. Its pre-qualified nature means you do not have to wait to be approved when you want to make travel plans.

● Flexible repayment tenures between 1 and 60 months: Choose a repayment plan that aligns with your financial situation. For shorter trips, you can opt for a shorter tenure, whereas longer or more expensive journeys can be spread over more months.

● Widespread acceptability: You can book your flights on popular online platforms like MakeMyTrip, Yatra, Goibibo, and EaseMyTrip using your Insta EMI Card. Its acceptance across major travel and airline portals makes planning your journey simple and hassle-free.

● Nil foreclosure charges: Did you receive a bonus or have extra funds? Pay your flight booking EMIs off early without any penalty. This flexibility gives you control over your finances while still enjoying the benefits of EMI payments.

● Build your credit score: When you pay your flight booking EMI payments on time regularly, you can strengthen your creditworthiness. A solid credit history opens doors to better financial products and terms in the future.

Use your Insta EMI Card to book international flights

Ready to book the flights for your international trip? Using your Bajaj Finserv Insta EMI Card is a straightforward process that only takes a few minutes.

● Visit any major travel website that partners with Bajaj Finserv, such as MakeMyTrip, Yatra, EasyMyTrip, etc.

● Search for your desired international flight and select the options that suit your travel dates and budget.

● During the checkout process, look for the EMI payment option and select the Bajaj Finserv Insta EMI Card.

● Choose a flight booking EMI tenure between 1 month and 5 years that suits your financial situation. The system will display your monthly instalment amount based on your selection.

● Review your booking details and the EMI plan carefully before confirming your purchase and receiving your e-ticket.

Bajaj Finserv Insta EMI Card eligibility and application process

The Insta EMI Card eligibility criteria are designed to be simple and inclusive for most Indian consumers.

Once you have confirmed that you meet these basic requirements, apply online or offline per your convenience.

How to apply online

● Visit the Insta EMI Card page on the official Bajaj Finserv website or download the app on your smartphone.

● Enter your mobile number and complete the OTP authentication process.

● Discover your pre-qualified card loan offer amount by filling in the application form.

● Complete the KYC verification using either your Aadhaar details or DigiLocker.

● Activate your account by paying the one-time joining fee of Rs. 530 and setting up the e-mandate for automatic EMI payments.

How to apply offline

● Visit your nearest Bajaj Finserv partner store and seek assistance from a store representative.

● Provide the necessary documents for verification.

● Once you are approved, pay the joining fee and your card will be activated for use immediately.

Using your Insta EMI Card responsibly

When you use your Insta EMI Card wisely, you can enjoy its benefits without financial strain. Here are some practical tips for responsible credit use when booking flights:

● Keep your monthly income in mind when choosing a tenure. Ensure your monthly EMIs take up no more than 30% of your monthly disposable income. This will help you make payments comfortably without compromising on your essential expenses.

● Avoid booking luxury flights. Business class travel may be tempting, but a comfortable economy seat provides better value while leaving plenty of room in your budget for other travel expenses.

● Track your EMI dates to avoid penalties or credit score damage. Mark your calendar or set reminders on your phone to avoid missing EMI payments.

● Ensure you have sufficient funds if you are using auto-debit. The e-mandate feature can help remove the risk of missed EMI payments and unwanted charges. However, ensure you have sufficient funds in your account for the auto-debit to successfully work.

● Do not overspend just because you have credit. The convenience of EMI may make impulse purchases tempting. It's always a good idea to create a travel budget before booking and stick to it, even if your Insta EMI Card limit is higher.

Comparing traditional credit cards vs. the Insta EMI Card for travel

When planning your international travel, it is helpful to know how different payment methods compare.

Traditional credit cards are expensive for long-term payments because of their high interest rates on revolving balances. The Insta EMI Card, however, offers a predetermined EMI plan with minimal interest charges. With this transparency, you can plan your travel budget with greater accuracy and avoid unexpected costs.

With the flexibility to pay for international flights in small monthly instalments, travel has become more accessible and affordable. Check your Insta EMI Card eligibility today to take the first step toward hassle-free travel financing. Apply online in mere minutes and book your dream vacation now without waiting years to save the full amount. Apply for your Bajaj Finserv Insta EMI Card and travel the world, one EMI at a time.

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