Paying for flights in instalments has become common for international trips and big family bookings, and most large booking sites now run EMI-specific offers with banks. An EMI offer is different from an ordinary card discount: it usually applies only when you choose the EMI option at checkout, it often has its own code, and it can come with or without "no-cost" interest treatment. This guide lists every EMI flight offer in our dataset on 1 November 2026, grouped by bank.
We found 18 live EMI-related flight offers from 13 banks and lenders. The summary table shows which banks have EMI offers and where; the detailed table below it gives each offer's code, stated benefit, minimum booking value and end date, with a link to its source.
| Bank / lender | EMI offers | Booking sites | Codes |
|---|---|---|---|
| AU Small Finance Bank | EMI offers:1 | Booking sites:EaseMyTrip | Codes:AUEMI |
| Bajaj Finserv | EMI offers:1 | Booking sites:Cleartrip | Codes:CTBFL |
| DBS Bank | EMI offers:1 | Booking sites:EaseMyTrip | Codes:EMTDBSEMI |
| HDFC Bank | EMI offers:1 | Booking sites:EaseMyTrip | Codes:HDFCEMI |
| HSBC | EMI offers:1 | Booking sites:Cleartrip | Codes:HSBCCC |
| ICICI Bank | EMI offers:2 | Booking sites:EaseMyTrip | Codes:ICICIEMI, ICICIAMZEMI |
| IDFC FIRST Bank | EMI offers:3 | Booking sites:Ixigo, Cleartrip, EaseMyTrip | Codes:IXIDFCEMID, IDFCEMI, IDFCEMI |
| IndusInd Bank | EMI offers:1 | Booking sites:EaseMyTrip | Codes:INDUSEMI |
| Kotak Mahindra Bank | EMI offers:1 | Booking sites:EaseMyTrip | Codes:KOTAKEMI |
| RBL Bank | EMI offers:3 | Booking sites:Ixigo, Cleartrip, EaseMyTrip | Codes:IXRBLEMI, RBLEMI, RBLEMI |
| SBI Card | EMI offers:1 | Booking sites:Cleartrip | Codes:SBICC |
| Standard Chartered | EMI offers:1 | Booking sites:MakeMyTrip | Codes:MMTSCB |
| YES Bank | EMI offers:1 | Booking sites:EaseMyTrip | Codes:YESEMI |
Every EMI offer in detail
| Provider | Book on | Code | Benefit (as stated) | Min. booking | Valid till | Source |
|---|---|---|---|---|---|---|
| AU Small Finance Bank | Book on:EaseMyTrip | Code:AUEMI | Benefit (as stated):12% up to ₹1,800 dom (min ₹5,000) · 10% up to ₹6,000 intl (min ₹15,000) | Min. booking:₹5,000 | Valid till:31 Dec 2026 | Source:EaseMyTrip |
| Bajaj Finserv | Book on:Cleartrip | Code:CTBFL | Benefit (as stated):Flat 10% off + 3/6-month No Cost EMI | Min. booking:As per offer terms | Valid till:Limited period offer | Source:Cleartrip |
| DBS Bank | Book on:EaseMyTrip | Code:EMTDBSEMI | Benefit (as stated):12% up to ₹1,800 dom (min ₹4,000) · 10% up to ₹7,500 intl (min ₹7,000) | Min. booking:₹4,000 | Valid till:31 Dec 2026 | Source:EaseMyTrip |
| HDFC Bank | Book on:EaseMyTrip | Code:HDFCEMI | Benefit (as stated):Domestic ₹300–₹1,500 off · International ₹1,000–₹5,000 off (slab-based) | Min. booking:₹3,000 | Valid till:30 Nov 2026 | Source:EaseMyTrip |
| HSBC | Book on:Cleartrip | Code:HSBCCC | Benefit (as stated):Up to 12% instant discount (max ₹1,500) | Min. booking:As per offer terms | Valid till:31 Dec 2026 | Source:Cleartrip |
| ICICI Bank | Book on:EaseMyTrip | Code:ICICIEMI | Benefit (as stated):12% up to ₹1,500 dom (₹5k–25k) · flat up to ₹10,000 dom / ₹15,000 intl on higher slabs | Min. booking:₹5,000 | Valid till:31 Mar 2027 | Source:EaseMyTrip |
| ICICI Bank | Book on:EaseMyTrip | Code:ICICIAMZEMI | Benefit (as stated):Same slabs as ICICIEMI — up to ₹10,000 dom / ₹15,000 intl | Min. booking:₹5,000 | Valid till:31 Mar 2027 | Source:EaseMyTrip |
| IDFC First Bank | Book on:Ixigo | Code:IXIDFCEMID | Benefit (as stated):Up to ₹1,200 off | Min. booking:₹5,000 | Valid till:Not stated | Source:Ixigo |
| IDFC FIRST Bank | Book on:Cleartrip | Code:IDFCEMI | Benefit (as stated):10% off (max ₹1,200 domestic) · 8% off (max ₹7,500 intl) + No Cost EMI | Min. booking:₹5,000 (domestic) · ₹10,000 (international) | Valid till:Not stated | Source:Cleartrip |
| IDFC FIRST Bank | Book on:EaseMyTrip | Code:IDFCEMI | Benefit (as stated):12% up to ₹1,800 dom (min ₹3,500) · 10% up to ₹6,000 intl (min ₹10,000) + no-cost EMI | Min. booking:₹3,500 | Valid till:31 Dec 2026 | Source:EaseMyTrip |
| IndusInd Bank | Book on:EaseMyTrip | Code:INDUSEMI | Benefit (as stated):12% up to ₹2,000 dom (min ₹3,500) · 10% up to ₹6,000 intl (min ₹8,000) | Min. booking:₹3,500 | Valid till:30 Nov 2026 | Source:EaseMyTrip |
| Kotak Mahindra Bank | Book on:EaseMyTrip | Code:KOTAKEMI | Benefit (as stated):10% up to ₹1,800 dom (min ₹5,000) · 10% up to ₹5,000 intl (min ₹15,000) | Min. booking:₹5,000 | Valid till:30 Nov 2026 | Source:EaseMyTrip |
| RBL Bank | Book on:Ixigo | Code:IXRBLEMI | Benefit (as stated):Up to ₹1,200 off | Min. booking:₹5,000 | Valid till:Not stated | Source:Ixigo |
| RBL Bank | Book on:Cleartrip | Code:RBLEMI | Benefit (as stated):Up to 12% off (max ₹5,000) | Min. booking:As per offer terms | Valid till:Not stated | Source:Cleartrip |
| RBL Bank | Book on:EaseMyTrip | Code:RBLEMI | Benefit (as stated):12% up to ₹1,600 dom (min ₹3,500) · 10% up to ₹5,000 intl (min ₹10,000) | Min. booking:₹3,500 | Valid till:30 Nov 2026 | Source:EaseMyTrip |
| SBI Card | Book on:Cleartrip | Code:SBICC | Benefit (as stated):Up to 15% instant discount | Min. booking:As per offer terms | Valid till:Limited period offer | Source:Cleartrip |
| Standard Chartered | Book on:MakeMyTrip | Code:MMTSCB | Benefit (as stated):12% off (max ₹1,250 domestic) · 8% off (max ₹5,000 intl) | Min. booking:As per offer terms | Valid till:Not stated | Source:MakeMyTrip |
| YES Bank | Book on:EaseMyTrip | Code:YESEMI | Benefit (as stated):10% up to ₹1,200 dom (min ₹5,000) · 8% up to ₹2,500 intl (min ₹15,000) | Min. booking:₹5,000 | Valid till:30 Nov 2026 | Source:EaseMyTrip |
A few rows are general card offers whose terms say they also cover EMI transactions rather than EMI-only offers: HSBC on Cleartrip ("plus EMI options"), Standard Chartered on MakeMyTrip ("credit/debit card and EMI transactions"), and SBI Card on Cleartrip, whose listing says EMI transactions use a separate code, SBIEMI. Use the code the source page names for the EMI flow.
No-cost EMI versus an EMI discount
An EMI discount reduces the ticket price when you pay in instalments. "No-cost EMI" is a separate promise that the interest on the instalments is offset, usually by an upfront discount equal to the interest. 3 of the offers above mention no-cost EMI in their terms. For the rest, standard EMI interest set by your bank may apply on top of the discounted fare, so the total you repay can be higher than the ticket price. Ask the payment page to show the instalment schedule before you confirm.
Slab-based EMI offers
3 EMI offers use slabs — a fixed discount that rises with the booking value — instead of a percentage. Slab offers reward larger bookings, so they tend to suit international and multi-passenger trips. To compare a slab offer with a percentage one, find the slab your fare falls into on the source page, then compare that rupee amount with the percentage offer's capped value.
Things that commonly stop an EMI offer applying
- Choosing the ordinary card payment instead of the EMI option — the offer is usually attached to the EMI flow.
- Using a debit card or a card variant the bank has excluded.
- A booking below the minimum value, which is often higher for international bookings.
- A tenure the offer does not cover; some offers list specific tenures such as 3 or 6 months.
- Day restrictions — at least one EMI offer in our list works only on certain weekdays.
Is EMI worth it for a flight?
EMI is useful when it lets you book a fare now instead of waiting and paying more later, and when the total repayment (including any interest and processing fee) is lower than or close to the upfront price. It is less attractive when standard interest applies and the EMI discount is small. Compare the EMI offer against your bank's ordinary card offer on the same booking — sometimes the non-EMI discount is larger and you can still convert the transaction to EMI with your bank afterwards, subject to its terms.
Related pages
- Complete guide to flight tickets on EMI
- Flight offers by bank
- Best offer for my card
- All flight offers for November 2026
Sources and verification
Airline and bank benefits can change. These primary sources were reviewed on 1 Nov 2026; check the live terms before paying.
- EaseMyTrip — AU Bank credit card EMI: 12% off domestic flights
- Cleartrip — Bajaj Finserv Card flight discount
- EaseMyTrip — DBS credit card EMI (Thu–Sat): 12% off domestic
- EaseMyTrip — HDFC Bank EasyEMI: up to ₹5,000 off flights
- Cleartrip — Up to 12% off + EMI
- EaseMyTrip — ICICI Bank credit card EMI: up to ₹15,000 off
- EaseMyTrip — ICICI Amazon Pay card EMI: up to ₹15,000 off
- Ixigo — Flat 12% off domestic flights (Credit Card EMI)
- Cleartrip — EMI discount on flights
- EaseMyTrip — IDFC FIRST credit card no-cost EMI: 12% off
- EaseMyTrip — IndusInd credit card EMI: 12% off domestic flights
- EaseMyTrip — Kotak credit card EMI: 10% off flights
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