Planning a trip to Thailand from India? Whether it’s your first international vacation or a long-awaited getaway, managing your budget well is key. Thailand is a popular destination for Indian travelers due to its beautiful beaches, vibrant nightlife, and budget-friendly options. But even a low-cost trip can go over budget without the right planning.  

In this blog, we break down the expected costs, hidden charges, and money-saving tips. Plus, learn how Zype’s personal loan for travel can help you make that dream trip happen without straining your savings.   

Average Thailand Trip Cost from India

The cost of a Thailand trip from India depends on your travel style. Whether you are on a budget, travelling mid-range, or looking for a luxury experience. But on average, a 5 to 7-day trip can cost anywhere between ₹40,000 to ₹1.5 lakh per person. 

Here’s a general breakdown by category: 

The actual cost may vary based on the city you’re flying from (like Delhi, Mumbai, or Chennai), the season (off-season vs peak season), and how early you book. Planning well and comparing options can help you save a lot. 

Tip: Even luxury experiences can be made affordable by booking early, traveling off-season, or using platforms that offer bundled discounts. 

Thailand Trip Cost Breakdown: Flight, Hotel, Food, Transport, Activities

When planning your Thailand trip, it’s important to know how much you might spend on each part of the journey. Here’s a simple and detailed breakdown to help you plan your budget better: 

Booking combo packages online or through local tour operators can help save money. With the right mix of planning and flexibility, you can enjoy Thailand your way, whether you’re on a budget or looking for something a little fancy! 

Also Read: 8 Things To Do In The Hidden Gem Of India – Lakshadweep

Thailand Trip Budget vs Mid-range vs Luxury Trip Costs  

Thailand offers something for every kind of traveller, whether you’re a backpacker watching every rupee or someone who wants to enjoy the best of comfort and luxury. Let’s break it down so you can choose a style that fits your budget: 

With the right planning and a little help from Zype’s travel loan, you can experience Thailand exactly how you want, without stressing over money. 

Hidden or Unexpected Expenses in Thailand 

A Thailand trip may feel affordable until small, surprise expenses start piling up. These hidden costs can quietly stretch your budget if you’re not prepared. Here’s what travellers often miss while planning: 

1. Visa Fees & Processing Costs

Even though Thailand offers Visa on Arrival for Indians, there’s a fee of around ₹2,000 – ₹2,500. If you choose express processing at the airport, it might cost extra. Applying in advance from India can also include courier or agency charges.

2. Currency Conversion Losses

Many travellers convert money at airports or hotels, where exchange rates are not always favourable. You may lose ₹500 – ₹1,000 or more without realising it. Using international debit/credit cards can also invite hidden forex markup fees (1% – 3%).

3. ATM Withdrawal Charges

Withdrawing cash from local ATMs in Thailand usually includes a flat foreign ATM fee (around ₹400–₹600 per transaction). Your Indian bank might add additional withdrawal or international usage fees.

4. Local Transport Add-ons

While tuk-tuks and Grab taxis are budget-friendly, some touristy spots may overcharge foreigners or include “waiting” fees. In islands like Phuket or Krabi, ferry transfers or longtail boat rides are often not included in regular travel plans. 

5. Tips and Service Charges

Restaurants, spas, and hotels may add a 7–10% service tax, and tipping is expected in touristy areas. Though optional, you’ll end up spending more if you eat out frequently or use guided tours. 

6. Entry Fees for Attractions

Temples like Wat Pho or The Grand Palace have entry charges (₹200–₹500 per person). Island hopping tours, national parks, or full-moon parties also come with separate tickets and activity charges that can add up quickly. 

7. Shopping Splurges

Night markets and local bazaars are tempting, and it’s easy to overspend on souvenirs, clothes, and street food. While they may seem affordable, frequent impulse buys add up. 

8. Roaming & Internet

Many forget to buy local SIM cards or international roaming packs. Data usage abroad without a plan can lead to huge mobile bills. A Thai SIM with internet is usually cheaper and better for navigation or bookings. 

9. Emergency or Health Costs

Even a small injury or food reaction can result in doctor visits. Thailand has excellent private clinics, but they aren’t cheap. Travel insurance helps, but it’s another upfront cost many travellers might skip. 

Keep a buffer of at least ₹5,000–₹10,000 for these surprise costs. Better yet, use a personal loan from Zype to plan ahead and cover all expected and unexpected expenses. 

Also Read: Planning for Unexpected Expenses: Tips & Advice

Tips to Save Money on a Thailand Trip  

You can enjoy a Thailand trip well within your budget. With a little planning and a few smart tricks, you can explore the beaches, markets, and temples without overspending. Here are some easy tips to keep your costs under control: 

1. Book Flights in Advance

Flight tickets are often the biggest expense. Book at least 2–3 months ahead to get the best deals. Use flight comparison tools like Skyscanner or Google Flights, and consider flying mid-week for lower fares. 

2. Travel During Off Season

Avoid peak tourist months like December and January. Instead, visit between March and June when prices for hotels and flights drop significantly. 

3. Stay in Budget Accommodations

Opt for guesthouses, hostels, or 3-star hotels instead of resorts. In places like Bangkok, Chiang Mai, and Krabi, you can find clean, comfy stays under ₹1,500 per night.

4. Use Public Transport or Rent a Scooter

Skip expensive taxis and use Thailand’s affordable public transport like tuk-tuks, BTS in Bangkok, or local buses. In tourist spots, renting a scooter for ₹300 – ₹400 per day gives you freedom and savings. 

5. Eat Local Food

Street food is not only delicious but also super cheap. Pad Thai, mango sticky rice, and Thai curries from local vendors will cost you around ₹150–₹200 per meal.

6. Plan Group Activities or Packages

Whether it is island hopping or temple tours, book group tours instead of private ones. You’ll get similar experiences at a fraction of the cost. 

7. Avoid Currency Exchange at Airports

Exchange rates at airports are poor. Use your forex card or withdraw small amounts of cash from ATMs for better rates. You can also exchange currency at a local money exchange in Thailand.

8. Set a Daily Budget

Fix a daily budget (e.g., ₹2,500 per day) and stick to it. Use budgeting apps to track your spending and avoid end-of-trip money stress.

9. Shop Smartly

Thailand is great for shopping, and you can negotiate more at local markets. Avoid overspending on souvenirs and check prices at multiple stalls before buying.  

How to Finance Your Thailand Trip with Zype’s Personal Loan for Travel 

Dreaming of Thailand but short on savings? Zype’s personal loan for travel can help you make that trip happen. Whether it’s flights, hotel bookings, or adventure activities, you can easily fund your entire vacation without draining your emergency funds. 

Here’s how Zype makes it super easy: 

• Quick and Paperless Process: Apply directly through the Zype app. No need to visit a bank or submit heaps of documents. 
• Instant Approval & Fast Disbursal: Once you fill in your basic details (PAN, Aadhaar, income info), we check your loan eligibility and give you an instant offer. Get the loan amount in your bank account within minutes. 
• Loan Amount up to ₹2 Lakhs: Perfect for covering all your travel needs, whether it’s a solo getaway or a family vacation. 
• Flexible Tenure: Choose repayment periods of 6, 9, 12 or 18 months. This keeps your monthly EMIs manageable. 
• Affordable Interest Rates: Zype offers interest starting at just 1.5% per month, making it a budget-friendly financing option compared to credit cards or travel agents. 

Planning a trip? Download the Zype app, check your eligibility, and apply in just a few taps. You’ll be one step closer to your Thailand adventure.

Eligibility & Interest Rates for Travel Loans from Zype 

Planning your dream trip to Thailand? With Zype, getting a travel loan is simple and stress-free. Here’s what you need to qualify and how much it might cost you. 

Eligibility Criteria

To apply for a travel loan from Zype, you must: 

• Be 21 years or older 
• Be a salaried individual  
• Be an Indian citizen with a valid PAN and Aadhaar card 
• Have a minimum credit score of 650 

Interest Rates & Charges 

Use Zype’s EMI calculator to check how much your monthly payment will be based on your loan amount and tenure. 

Conclusion  

A Thailand trip can be as affordable or luxurious as you want. It all depends on how well you plan your budget. By keeping track of flight deals, choosing local experiences, and cutting down on unnecessary expenses, you can enjoy everything Thailand has to offer without overspending. 

And if you’re falling short on funds, Zype’s personal loan for travel can help you bridge the gap. We offer personal loans up to ₹2 Lakhs with interest starting at just 1.5% per month. No paperwork, flexible tenure and instant loan approval.