Short answer
Indian residents can pay for international cruises in rupees through an Indian travel company. Payments fall under RBI's Liberalised Remittance Scheme (up to US$250,000 per person per financial year), need your PAN, and attract TCS under Income Tax rules, which you can later claim against your tax. Low deposits and card EMI make large fares easier to manage.
- Choose and hold — we hold your cabin free for up to 48 hours while you decide (subject to the line's rules).
- Pay a deposit — typically 10–25% of the fare, in INR.
- Balance — due before the line's final payment date (often 60–120 days before sailing). Reminders by WhatsApp and email.
- PAN and LRS — we collect your PAN for the LRS declaration.
- TCS — collected as required by current Income Tax rules and shown on your invoice; claim it in your tax return.
- Forex — load a forex card for onboard and port spending through our RBI-authorised partner. See Forex.
This is general information, not tax advice. Rates and thresholds change with each Budget — we apply the rules in force on your payment date.
By the Xciting Cruising editorial desk · Updated November 2026