Introduction
While travel EMI is becoming increasingly popular, there are still misconceptions that hold many travellers back. At Global FDC, we believe in transparency — so let’s debunk five common myths about travel EMI and clear up the reality.
Myth 1: “EMI means high interest rates — it’s like a loan trap.”
Truth: Many travel EMIs come with low or even zero interest (or minimal processing fees). With Global FDC’s partners you’ll see upfront the tenure, charges and monthly payment, so you’re not unknowingly locked into a high-cost loan.
Myth 2: “I need perfect credit score to get travel EMI.”
Truth: While eligibility varies by bank and card, many issuers simply require you to have a valid credit/debit card and meet minimum spending criteria. It’s easier than traditional travel loans and the criteria are more relaxed when booking via a travel-agency partner.
Myth 3: “EMI extends the cost indefinitely — I’ll end up paying more than the trip is worth.”
Truth: The total cost of the trip remains the same (or nearly so) whether you pay upfront or via EMI. You’re just spreading the payment. With smart EMI planning (shorter tenure) you can avoid major extra cost and may gain by locking in current rates.
Myth 4: “If I choose EMI, I have to travel immediately, even if plans change.”
Truth: At Global FDC we allow flexibility. Your booking is confirmed, and your EMI schedule is set, but we work with our partners to accommodate travel date changes (subject to terms) just like any holiday booking. You don’t lose EMI benefits if your travel date shifts modestly.
Myth 5: “EMI means I’ll be locked into the month-by-month payment until forever.”
Truth: Most EMIs are fixed tenure (3-36 months) and once you complete your installments, the obligation ends. Also many banks allow early repayment (check with issuer) if you want to finish sooner. At Global FDC we guide you through choosing the tenure you’re comfortable with.
Why choosing the right EMI partner matters
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Transparent terms (clear monthly payment + fees if any).
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Good network of travel services (so you get value) — Global FDC works with trusted hotels, flights and destinations.
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Support team to help you decide which tenure is right, what to avoid, how to align with your budget.
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After-sales support: If issues arise (date change, cancellation, etc) you still have assistance.
Conclusion
Don’t let myths hold you back from the world. Travel EMI is a smart way to make memories without crippling your finances. With Global FDC, you get transparency, flexibility and access. Start planning now — the world is waiting.
