Low-Cost International Tour Packages: What to Check

Low-Cost International Tour Packages: What to Check

A low-cost international tour package can leave out visas, most meals, tips and optional tours, so the headline price is rarely the final bill. Checking 6 points before you book shows the real cost.
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Rs. 40,000 - Rs. 55 lakh

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In summary

When comparing any international tour package, look past the headline figure to what is included. Price basis, flights, meals, visas, tours and taxes decide the final bill. Deepak's Vietnam package cost Rs. 1.18 lakh for 2, but the trip came to Rs. 1.55 lakh. A Bajaj Finance Personal Loan can fund part of the gap.


  • Check whether the price is per person or for 2.
  • Meals beyond breakfast are rarely included.
  • Visa costs and rules vary by country.
  • Deepak paid Rs. 65,000 himself and borrowed Rs. 90,000.

Found a package that fits? Check your loan offer with your phone number and a one-time password (OTP) → apply online → receive funds within 24 hours* of approval.

What should you check in a tour package?

Check 6 points before you pay a deposit. The table lists what to look for in each international tour package and why it matters.


What to checkWhat to look forWhy it matters
Price basisPer person on twin-sharing, or for 2Doubles or halves the headline price
FlightsIncluded, with baggage, or land-onlyThe largest single cost
MealsBreakfast only or moreLunches and dinners add up over 6 days
VisaIncluded or your own costFees and processing time differ by country
Tours and entry feesWhich ones are in the priceOptional tours are sold on arrival
Taxes and tipsShown separately or notCan be added at the end

Last updated: 23rd October, 2026


Ask the operator for the international tour package inclusions list in writing. Compare 2 packages line by line, not by headline price.

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Which nearby destinations have simple entry for Indians?

Deepak's 6-night Vietnam international tour package for 2 was quoted at Rs. 1.18 lakh. The table adds the extras he paid on top.


ItemDeepak's cost for 2 (Rs.)
Package for 2: flights, 6 nights, breakfasts, transfers, 3 tours1,18,000
E-visas for 2, as quoted5,000
Lunches and dinners14,000
Travel insurance for 22,000
Optional tours and tips8,000
Shopping and buffer8,000
Total1,55,000

Last updated: 23rd October, 2026


The extras added 31% to the international tour package price. Plan for them from the start.

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Low-cost international tour packages from India

Entry rules change, so confirm them before you book an international tour package. The table notes 2 neighbours with simple entry and the approach for everything else.


DestinationEntry basis for IndiansGetting there
NepalIndian citizens do not need a visaRoad, rail and short flights
BhutanEntry permit, plus a Sustainable Development Fee of Rs. 1,200 per person, per nightRoad via Phuentsholing, or flights to Paro
Other countriesVisa, e-visa or visa-free rules vary and changeCheck the official immigration site before you pay

Last updated: 23rd October, 2026


A nearby destination saves on flights, but daily fees, such as Bhutan's, can raise the cost of a longer stay.

 

Worked example: Deepak in Ahmedabad

Deepak is 35 and works as a salaried textile export coordinator in Ahmedabad, earning Rs. 62,000 a month, and his CIBIL score stands at 744. He booked a Vietnam international tour package for himself and his wife. Rs. 65,000 came from his own account, and he took a Rs. 90,000 loan at an illustrative 16% per annum, weighing the equated monthly instalment (EMI) at 12 and 18 months.


EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. Here P = Rs. 90,000, R = 16 ÷ 1,200 and N = months.


TenureMonthly EMI (Rs.)Total interest (Rs.)EMI as share of salary (%)
12 months (1 year)8,1667,98913.2
18 months (1.5 years)5,65711,8279.1

Last updated: 23rd October, 2026


Opting for 18 months on the international tour package loan cuts Rs. 2,509 from each payment, and Rs. 3,838 more goes on interest. A fee of up to Rs. 3,717 applies for processing. Deepak chose 12 months to clear the trip before the next holiday season.


What can delay approval: a CIBIL score below 650 or existing EMIs that take up a large share of your income. Names or addresses that do not match across documents, and more than one loan application in the same month, can also slow it down.


Booked an international tour package and need to cover the gap? With a Bajaj Finance Personal Loan, you can borrow Rs. Rs. 40,000 to Rs. Rs. 55 lakh, subject to eligibility. Check your loan offer with your phone number and a one-time password (OTP) → apply online → receive funds within 24 hours* of approval.

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Who is eligible to borrow for travel?

To fund an international tour package with a Bajaj Finance Personal Loan, you need to meet the criteria listed below:


CriterionRequirement
NationalityIndian
Age21 years to 80 years.
Employed withPublic, private, or multinational companies (MNCs).
CIBIL Score650 or higher.
Customer profileSelf-employed or Salaried

*You should be 80 years or younger, at the end of the loan tenure.

Last updated: 23rd October, 2026


Meeting these criteria does not guarantee approval, which depends on eligibility, verification and credit assessment. No collateral or guarantor is required.


You may need the following documents, subject to your profile and application:


Document categoryAccepted options
KYC proofAadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
Identity proofPAN card, Real-time image / photograph
Employment proofEmployee ID card, Letter of Allotment of Accommodation Issued by Employer
Income proofSalary slips — last 3 months, Bank account statements — last 3 months
OthersPension order, Utility bill, Phone bill, Piped gas bill, Property / Municipal tax receipt

Not every applicant needs every document. Confirm the final list of required personal loan documents during your application.

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What do travel loans cost?

Bajaj Finance interest rates and charges on a Personal Loan for an international tour package, subject to applicable terms and customer eligibility, are listed below:


ChargeAmount
Interest rate10% to 30.5% per annum, subject to applicable terms and customer eligibility
Processing feeUp to 4.13% of the loan amount, inclusive of applicable taxes
Bounce chargesRs. 700 to Rs. 1,200 per bounce
Penal chargeUp to 36% per annum on the overdue instalment
Part-prepayment (Term Loan)Up to 4.72% of the principal prepaid, inclusive of applicable taxes
Foreclosure (Term Loan)Up to 4.72% of the outstanding principal, inclusive of applicable taxes
Part-prepayment (Flexi Dropline and Flexi Hybrid Loans)No charge
Flexi facility chargeRs. 1,999 to Rs. 18,999, inclusive of applicable taxes
Annual maintenance (Flexi Dropline Loan)Up to 0.295% of the Dropline limit
Annual maintenance (Flexi Hybrid Loan)Up to 0.472% in the initial tenure; up to 0.295% in the subsequent tenure

Last updated: 23rd October, 2026

*Terms and conditions apply.


Charges are disclosed in the applicable product information and loan documents, so read your Key Fact Statement before you accept. Add the processing fee to the interest when you compare offers, and see the personal loan interest rates and charges page for details.

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How else can you lower the cost?

Season, trip length and travel style shape the cost of a international tour package more than the destination alone. The table compares the main choices.


ChoiceSavingTrade-off
Travel outside school holidaysLower fares and hotel ratesWeather may be less settled
5 nights instead of 6One night of hotel and mealsFewer sights
Self-planned trip, not a packageNo operator marginMore planning effort

Last updated: 23rd October, 2026


Whichever route you choose for an international tour package, write down every expected cost first. That list is your real budget.

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How do you apply for travel funds?

You apply for a Bajaj Finance Personal Loan online in five steps:

  1. Check loan eligibility: Enter the required loan amount and repayment period, then click "CHECK LOAN OFFER".
  2. Enter personal details: Enter personal, financial and employment details to receive a personalised offer.
  3. Loan offer: Review the offer details and adjust the amount or tenure to suit the applicant's needs.
  4. KYC verification: Complete KYC and verify bank details.
  5. Talk to loan specialist: The application is submitted and an executive contacts the applicant about the next steps.

The process may differ for new and existing customers, and some customers may need to provide additional documents. At the offer step, borrow only the gap your savings do not cover.

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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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Frequently asked questions

Choosing a package

Visas and funding

Are low-cost international tour packages worth it?

They can be, if the inclusions suit you. A package bundles flights, hotels and transfers, which saves planning time. The risk is in what is left out, such as meals, visas and optional tours. Add those extras before comparing a international tour package with a self-planned trip, as Deepak's extras added 31%.

It varies. Operators commonly quote a international tour package per person on twin-sharing, which means 2 people sharing a room. A single traveller may pay a supplement. Ask for the total price for your group, including taxes, before paying any deposit, so you can compare quotes on the same basis and avoid surprises.

It depends on the country. Indian citizens do not need a visa for Nepal, and Bhutan requires an entry permit and a daily Sustainable Development Fee. Rules for other countries vary and change, so check the official immigration website for your destination before you book an international tour package or pay a deposit.

Yes. Subject to eligibility, the funds from a Bajaj Finance Personal Loan can pay for travel, as for any lawful personal need. Borrow only the part your savings do not cover for the international tour package, and finish repaying before the next holiday. Check the EMI against your monthly budget before you book.

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