No Cost EMI on International Holidays: Book Your Dream Trip with Pickyourtrail

No-cost EMI on international holidays makes it easier to book your dream trip with Pickyourtrail and spread the cost across three equal monthly installments without additional interest. Eligible HDFC Bank and ICICI Bank credit cardholders can avail the offer on qualifying bookings, subject to applicable terms. A processing fee and 18% GST on the processing fee may still apply, so check the final amount and offer details shown at checkout before confirming your holiday.

What Is No-Cost EMI and How Does It Work?

No Cost EMI means a payment option that lets you split the cost of your international holiday into three equal monthly installments on an eligible credit card, without being charged extra interest on top of the package price. Instead of paying the full cost in one go, eligible HDFC Bank and ICICI Bank credit card holders booking with Pickyourtrail can confirm their trip now and pay over the following months.

How the No-Cost EMI Payment Works

The “no cost” label doesn’t mean the bank lends money for free. It means the interest is restructured so you never see it as a separate line item. In a typical No Cost EMI transaction, Pickyourtrail offers an upfront discount that offsets the interest the bank would otherwise charge, so what you repay in installments works out close to the original package price. 

Before you book, here are a few things worth knowing about the EMI offer:

• Banks typically charge a one-time processing fee, usually 2% up to ₹299
• Under India’s GST rules, 18% GST still applies to the processing fee and the interest-offset component, even on a “no cost” plan. It’s just not billed to you as a separate interest charge the way a standard EMI would be.
• For Pickyourtrail’s international holiday bookings, the current offer is structured as three equal monthly installments.

The easiest way to understand the payment structure is with an example. Suppose your personalised international holiday package costs ₹90,000 and your booking is eligible for the three-month EMI offer.

Payment component	Amount
Holiday booking	₹90,000
Monthly instalment	₹30,000
Number of installments	3
Interest under the applicable No Cost EMI offer	₹0*
Processing fee (capped)	₹299
GST on processing fee (18%)	₹53.82
GST on the interest	₹422.82
Illustrative total payable	₹90,950

So, what do you actually pay?

Instead of paying the entire ₹90,000 at the time of booking, you pay ₹30,000 per month for three months. A processing fee and applicable GST may be added by the card issuer.

The important distinction is that No Cost EMI doesn’t necessarily mean there are no charges at all. It means the interest component is offset by a discount provided by Pickyourtrail, while charges such as the processing fee and GST may still apply.

*Subject to the applicable offer terms.
**Illustrative calculation using a 2% processing fee. Your actual processing fee, GST and final payable amount may vary depending on your card, bank and the offer available at checkout.

Which Banks Offer No-Cost EMI on Pickyourtrail Packages?

Eligible HDFC Bank and ICICI Bank credit card holders can book select, fully customised international holidays on Pickyourtrail using No Cost EMI. In addition, customers using cards from select partner banks may be eligible for instant discounts, even if No Cost EMI isn’t available on their card.

Bank	Offer
HDFC Bank	No Cost EMI on eligible credit cards + instant discount*
ICICI Bank	No Cost EMI on eligible credit cards + instant discount*
Federal Bank	Instant discount on eligible cards*
HSBC	Instant discount on eligible cards*
Jupiter	Instant discount on eligible cards*
Kotak Mahindra Bank	Instant discount on eligible cards*
YES Bank	Instant discount on eligible cards*

*Offers are subject to eligibility, participating cards, and applicable terms and conditions. The exact offer available to your card is confirmed at checkout.

No Cost EMI vs Standard EMI: What’s the Difference?

If you’ve used EMI for electronics or appliances before, here’s how the international holiday version stacks up against a standard EMI plan:

Factor	No Cost EMI (Pickyourtrail)	Standard EMI
Interest charged separately	No, it’s offset through an upfront discount	Yes, added to your monthly payment
GST	Applies to the processing fee and interest-offset component (18%)	Applies to interest and fees (18%)
Processing fee	2% up to ₹299	2% -3% usually applies
Best for	Locking in a tailor-made trip now	Larger purchases needing a longer repayment window

How to Book an International Holiday on No-Cost EMI

1. Choose your destination. Browse international holidays across Asia, Europe, Oceania and beyond.
2. Personalise your itinerary. Pick your hotels, flights, experiences and sightseeing to build a trip around how you actually want to travel.
3. Select an eligible card at checkout. Choose an eligible HDFC Bank or ICICI Bank credit card to see your No Cost EMI option.
4. Confirm and convert to EMI. Convert your booking into three equal monthly installments and get your holiday confirmed, with no extra paperwork.

How Does the EMI Show Up on Your Credit Card Statement?

One of the most common questions travellers have after choosing EMI is: Why is interest showing on my credit card statement when I opted for No Cost EMI

A No Cost EMI does not necessarily appear as one simple monthly payment. Depending on your card issuer, the statement may show the original transaction, EMI conversion or adjustment entries, the monthly principal and interest components, and any applicable processing fee and taxes as separate entries.

What can appear on your statement?

When an eligible holiday booking is converted into EMI, you may see some or all of the following:

• Original transaction: The full holiday booking amount may initially appear as a card transaction before the EMI conversion is processed.
• EMI conversion or adjustment: The bank may subsequently adjust or reverse the original transaction as the EMI is booked. The exact format varies by issuer.
• Monthly EMI: Each billing cycle can show the EMI amount, which consists of the principal repayment and, where applicable, the interest component.
• Interest adjustment under No Cost EMI: Even though you opt for a No Cost EMI, your credit card statement may show separate principal and interest components. This is because banks cannot offer loans at 0% interest. The interest component is adjusted so that the total matches your original trip cost. So, don’t be alarmed when you see interest on your statement. An example is shown below.
• Processing fee: If applicable, a one-time EMI processing fee may be charged separately.
• GST: Applicable GST may be charged on relevant fees or interest components, depending on the card issuer and the specific EMI offer.

An Example: How Does No Cost EMI Appear in a Credit Card Statement

Suppose your holiday booking is ₹4,41,528 and it is converted into a three-month EMI. This is how it would show in your credit card statement:

Payment component	Month 1	Month 2	Month 3	Total Amount
Financed principal	143339	143339	143339	430018
EMI interest	3837	3837	3837	11510
No Cost EMI (excluding processing fees & GST)	147176	147176	147176	441528

So: ₹4,30,018 + ₹11,510 = ₹4,41,528

The important point is that ₹11,510 is the interest component calculated under the EMI facility; it does not necessarily mean you pay ₹11,510 extra for the holiday.

What about the processing fee and GST?

The processing fee is separate from your holiday booking amount and from the EMI principal. If your card issuer charges a processing fee, it may appear separately on your statement, along with applicable GST. For example, if the bank charges a ₹299 processing fee, your statement could contain separate entries relating to:

Statement component	What it represents
Holiday transaction / financed principal	Amount converted into EMI
EMI principal	Monthly repayment towards the financed amount
EMI interest	Interest calculated by the card issuer
No Cost EMI adjustment	Benefit that offsets the applicable interest
Processing fee	One-time fee charged for EMI processing, if applicable
GST	Applicable tax on relevant charges

The exact way these entries appear depends on your card issuer. Some banks may show the original transaction followed by an adjustment, while others may display the EMI conversion and monthly components differently.

So, if your statement appears to show an interest charge even though you selected No Cost EMI, don’t assume that you are being charged interest as an additional holiday cost. Check whether a corresponding No Cost EMI discount, waiver or adjustment has also been applied.

Why More Indian Travellers Are Choosing EMI for Holidays

International holidays are a significant investment, especially when you’re booking flights, hotels and experiences together. No Cost EMI gives Indian travellers more flexibility to plan the holiday they want without paying the entire amount upfront.

Here’s where it can make a difference:

• Book when prices are right: Flight and hotel prices can change quickly. EMI gives you the flexibility to confirm your holiday when you find the right deal, instead of waiting to save the full amount.
• Spread your holiday cost: With Pickyourtrail’s No Cost EMI option, eligible bookings can be split into three equal monthly installments, making it easier to manage the cost of your holiday across the coming months.
• Plan a better holiday: Instead of cutting back on hotels, experiences or sightseeing to stay within an immediate budget, you can personalise your itinerary around what you actually want to experience.
• Travel sooner, pay over time: You don’t always have to wait until you’ve saved the entire holiday budget. With an eligible HDFC Bank or ICICI Bank credit card, you can confirm your international holiday now and pay in installments.
• Keep the Pickyourtrail experience personalised: From choosing your stay and flights to adding experiences and sightseeing, your itinerary remains customised to your preferences even when you choose No Cost EMI.

What to Check Before You Book Your Holiday on EMI

A little due diligence goes a long way with any EMI plan. Before you confirm:

• Confirm your card is eligible. Not every HDFC Bank or ICICI Bank credit card qualifies, so check at checkout.
• Check for a processing fee. Ask whether a one-time fee applies, and confirm how GST is treated on that fee.
• Understand the cancellation terms. Foreclosing or cancelling an EMI plan may involve charges, and an upfront discount tied to the offer may not apply if you cancel.
• Read the checkout terms, not just this page. The bank offers change, and the offer valid for your card is always the one shown when you book.

Popular International Destinations to Book with No Cost EMI

Singapore

Singapore is a popular choice for families and couples, but a holiday here can involve several costs beyond flights and hotels, from Universal Studios Singapore and Sentosa experiences to premium stays and city attractions. A well-planned Singapore tour package brings these elements together in one itinerary, while splitting an eligible booking into three monthly installments can make the overall holiday cost easier to manage.

Vietnam

Vietnam works well for both short getaways and longer multi-city holidays, with travellers often combining Hanoi, Ha Long Bay, Hoi An and Ho Chi Minh City in one trip. A well-curated Vietnam tour package makes it easier to bring together your preferred stays, experiences and destinations, while an eligible three-month EMI option can help spread the overall holiday cost across the coming months.

Bali

Bali is a popular choice for couples, honeymooners and relaxed tropical getaways, with plenty of options ranging from private pool villas and beachside stays to temple visits, island experiences and romantic dinners. A Bali package lets you build your itinerary around the experiences and stay you want, while an eligible three-month EMI option can make the overall cost easier to manage.

Why Book Your Vacation with Pickyourtrail?

Every Pickyourtrail holiday is built around you, not a fixed package. When you book with us, you get:

• Customised itineraries: Choose your hotels, flights, sightseeing and experiences.
• Flexible trip planning: Upgrade stays or add experiences without a fixed itinerary.
• 3-month EMI: Eligible HDFC Bank and ICICI Bank credit card holders can split qualifying bookings into three monthly installments.
• Exclusive bank offers: Get instant discounts on eligible cards from partner banks.
• Travel support: Get assistance with planning and support before and during your trip.

From Singapore and Vietnam to Bali and beyond, plan a tailor-made holiday you want and pay in a way that works for you.

Ready to Book Your Next Sooper Hit Holiday?

The right time to travel doesn’t always line up with the right time to make a large upfront payment. With No Cost EMI through HDFC Bank and ICICI Bank, plus exclusive offers from Federal Bank, HSBC, Jupiter, Kotak Mahindra Bank and YES Bank, you can book your next international holiday on your terms, whether that’s Singapore, Vietnam, Bali, or somewhere else entirely.

Explore international holiday packages with Pickyourtrail and start planning your next Sooper Hit Holiday.

FAQs

Is No Cost EMI available on all international holiday bookings?

No Cost EMI is available on eligible international holiday bookings made with qualifying HDFC Bank and ICICI Bank credit cards. Eligibility, minimum booking value and applicable terms can vary by card and are confirmed at checkout before you pay.

Which banks offer No Cost EMI with Pickyourtrail?

Eligible HDFC Bank and ICICI Bank credit card holders can access No Cost EMI on qualifying bookings. Cards from Federal Bank, HSBC, Jupiter, Kotak Mahindra Bank and YES Bank may also be eligible for instant discounts on qualifying bookings.

How does No Cost EMI work for international holiday bookings?

An eligible holiday booking can be converted into three equal monthly installments. The interest component is offset under the applicable offer, while a processing fee and applicable GST may still apply. The final amount and terms are shown at checkout.

Is No Cost EMI really interest-free?

Under the applicable offer, the interest component is offset through the offer mechanism, so it isn’t an additional cost added to the holiday price. However, a processing fee and applicable GST may still apply. Check the complete payment breakdown before confirming your booking.

Is there a processing fee on No Cost EMI?

A one-time processing fee may apply to an EMI transaction. For the current Pickyourtrail offer, the processing fee is 2%, up to ₹299, with applicable GST. The exact fee applicable to your transaction is shown at checkout.

Can I customise my itinerary if I choose No Cost EMI?

Yes. Choosing No Cost EMI doesn’t limit your ability to customise hotels, flights, experiences or sightseeing. Every Pickyourtrail holiday stays fully personalised, however you choose to pay.

How will EMI appear on my credit card statement?

Once your booking is converted into EMI, your card issuer will process it as an EMI transaction. Your statement may show the EMI amount, tenure, processing fee, GST and, depending on the bank’s statement format, an interest-related component. The exact format can vary between HDFC Bank, ICICI Bank and other card issuers.

Can I use No Cost EMI with a debit card?

The current offer is available to eligible HDFC Bank and ICICI Bank credit card holders. Debit card eligibility, if offered separately, would depend on the payment options available at checkout.

Can I combine bank offers with No Cost EMI?

Available offers depend on your bank, your specific card and the ongoing promotion, so combinability isn’t guaranteed across every offer. The exact benefits applicable to your booking are shown at checkout.

What happens if I cancel a trip booked on No Cost EMI?

Cancelling or foreclosing an EMI plan may involve charges, and any upfront discount tied to the offer may not apply if you cancel. Review the cancellation terms shown at the time of booking before you confirm.