Pay more get less India’s most rewarding Travel Savings Scheme

Just choose how much you want to save!

Choose an S.I.P. amount & invest for 12/18/24 months.

What do you get?

Per month
Total investments
Returns from
investment @8%
Topup voucher from Thomas Cook
Total Value Projected
Extra value for you
9 Months
12 Months
18 Months
24 Months
See investment options

Where do you invest

Fund Name
Annualised Returns
1 Yr
3 Yr
5 Yr

Frequently Asked Questions

Offer Basics

  1. What is this offer?

    Thomas Cook and Upwardly together bring you this “Pay Less, Get MORE” offer for holiday packages. With this offer, you will be able to achieve your dream vacation at a discounted price with small monthly investments. This turns out to be much cheaper than taking a loan for the vacation and paying it back along with added interest cost.

  2. Looks interesting. How does the offer work?

    Based on your estimated holiday expenses, you choose an offer scheme – investment amount per month and investment period. Then, you invest a fixed amount every month in a very safe mutual fund chosen carefully by Upwardly. Once you are done with all your investments, you get back the total investment along with returns (~7.75% annualised) and a 5% top-up voucher from Thomas Cook. You can use the total investment value, returns generated and top-up voucher to book a holiday package through Thomas Cook. This top-up voucher is valid OVER & ABOVE any offer that is running on Thomas Cook at the time of booking.

  3. What are the benefits of the offer?

    There are dual benefits from this – your investment through Upwardly grows during the investment period. Thomas Cook gives additional top-up on the total investment value. This top-up is valid over and above any other offer that Thomas Cook might already be running during the time of the booking. Both these benefits combined make it the best available offer in the market.

Offer Redemption

  1. On completion of the stated duration, how will I get the total amount and/or voucher?

    On completion of the term of the offer, you can login to your Upwardly account and use the Redeem option to withdraw the total investment and returns generated from monthly investments. Upwardly will send the Thomas Cook voucher to your registered email id within 14 days of redemption.

  2. What all can I buy with this offer?

    All Domestic & International holidays. There are no restrictions. You need to make the booking on Thomas Cook at least 60 days before planned travel dates.

  3. Any conditions of the value of the holiday packages?

    The value of the holiday package should be equal to or greater than the total investment value. However, there is no upper limit on the package value.

  4. For how long is the voucher valid?

    Voucher is valid for 12 months after the date of receiving the voucher.

  5. Any conditions on travel dates?

    The travel date should be at least 2 months after maturity (9/12/18/24 months from 1st investment date)

  6. Is it valid on top of anything that Thomas Cook is running?

    Yes, the Thomas Cook voucher is valid as a top-up to the total investment amount. Voucher is valid on top of any offers that Thomas Cook might be running at the time of purchase and can be clubbed with other offers.

  7. Can I transfer the voucher to anyone? Or give it as a gift?

    The voucher can be transferred to your friends and family members. Other conditions remain the same.

  8. What is the minimum value of vacation that I need to buy at Thomas Cook?

    The vacation being bought at Thomas Cook should be of higher value than the total investment value. E.g. – If you've chosen to invest ₹10,000 for 12 months, the minimum amount of purchase from Thomas Cook should be ₹1,20,000 for the Thomas Cook top-up voucher to work.

  9. Will there be fixed departure date for the tours?

    Yes. There will be fixed departure dates.


  1. Can the tenure be changed at a later stage?

    Yes, the tenure can be changed to a lower or higher one if the total investment amount is completed. You will have to write to us at to make the request.

  2. Can I opt out of the scheme? Is there any penalty?

    You can opt out of the scheme anytime. There is NO penalty on this offer from Thomas Cook or Upwardly. You may choose if you want to withdraw the mutual fund investments you have done for towards this offer. If you don’t withdraw the investment amount, it will continue to remain investment and grow. The Thomas Cook voucher will not be given in this case.

  3. Can the per month investment amount be changed?

    No, once you start investing for a plan, the SIP amount towards this offer cannot be changed.

  4. How can I see my investment status?

    You can see your investment status on your dashboard on website.

  5. Do I get any investment alerts?

    Yes, Upwardly would be sending you reminders on your SIP (Systematic Investment Plan) every month, before the date of transaction.

  6. What happens if my payment fails or I miss paying my investments?

    If your payment fails due to any reason, you will be notified by Upwardly. You can make up for it by making a lumpsum investment of the same amount.

  7. Can I complete all investments before the completion of the tenure?

    Yes. You can complete all your investments before completion of the tenure. However, you can withdraw the investment only after completing half the fixed duration to avail the Thomas Cook offer.
    If the tenure is for 12 months, you can complete the total investments anytime but can avail the Thomas Cook top up only if you withdraw and redeem after 6 months of inception (half the tenure duration).

  8. Are the returns shown guaranteed?

    Think of it this way. The 5% top-up is your guarantee return. That’s better than FD(port-tax). On the investment, your money will be invested in very low risk mutual funds. Upwardly has carefully chosen the liquid plus mutual fund to be used in this offer. This fund has stable returns with very low volatility. While past returns may not guarantee future returns, this fund has never given a negative return in the last 10 years.


  1. What is Thomas Cook?

    Thomas Cook (India) Ltd. is an integrated travel and travel related financial services company with headquarters in Mumbai, India. The company, established in 1881, offers a range of travel services including Foreign Exchange, International and Domestic Holidays, Visa, Passport, Travel Insurance & MICE. The company operates through 100+ offices across India and through its website

  2. What is Upwardly?

    Upwardly is a personal finance and wealth management company. is a ‘pay now, buy later’ platform designed to assist the financially uninitiated to discover structured wealth creation and help them bridge the gap between their savings and aspirations.