How to get your Tripjack wallet credit limit raised as a travel agent in India (2026)
By Arjun Kapoor (Arjun Kapoor tracks error fares, mileage runs and award-chart sweet spots for Indian travellers. He moderates two Telegram fare-alert channels and has booked Europe round-trips at sub-₹25,000 four times in the last 24 months.) · Published · 9 min read
Tripjack is one of the largest B2B booking portals for Indian travel agents, and its credit-wallet system is how most agents operate — book flights and hotels on credit, settle later. But the default credit ceiling can become a real constraint during Diwali, Christmas, and summer peak when you are blocking seats for multiple clients simultaneously. Here is how the credit limit system actually works and how to get it increased.
TL;DR — the short answer
Tripjack's credit limit for agents is set based on a combination of your deposit history, monthly booking volume, repayment track record, and in some cases a review by their agent relations team. To get it raised, you need a consistent record of using the existing limit fully and repaying on schedule — and then a formal request through the Tripjack agent dashboard or directly to your assigned relationship manager. Timing the request six to eight weeks before peak season (not two days before Diwali) is critical. Agents who also maintain a healthy pre-deposit balance alongside their credit line tend to get higher ceilings approved faster.
How does the Tripjack wallet and credit system work?
Tripjack operates a dual-balance wallet: a deposit wallet (your own money loaded in advance) and a credit wallet (Tripjack extends you a line of credit). When you book, both wallets can be used. The credit wallet effectively gives you float — you book now, pay Tripjack later, usually on a defined cycle (often weekly or fortnightly, depending on your agreement).
The credit limit is the maximum outstanding balance Tripjack will allow on the credit side at any point. If your credit limit is, say, ₹3–4 lakh and you have ₹3.2 lakh in outstanding bookings, any further bookings will be declined until you settle. During peak season when you are booking multiple international and domestic tickets back to back, this ceiling becomes a bottleneck fast.
Unlike a bank credit card where the limit is formally underwritten, Tripjack's credit limit is a commercial arrangement — it is set internally based on their assessment of your risk as a booking partner, and it can be reviewed and changed relatively quickly compared to a bank facility.
What factors determine your credit ceiling?
Tripjack does not publish a formula, but from what agents report, the following factors carry weight:
- Monthly booking volume: An agent booking ₹20–25 lakh per month on the platform will get a different conversation than one booking ₹3–4 lakh. If your volume is growing, make sure the data is visible on your account — i.e., you are doing the bulk of your bookings through Tripjack, not splitting them across five portals.
- Repayment history: Never missing a payment cycle, and settling ahead of the deadline, signals low default risk. Even one late settlement can set back a credit increase request by several months in Tripjack's internal review.
- Deposit-to-credit ratio: Agents who keep a meaningful deposit balance in the wallet alongside the credit line are perceived as lower risk. If you are running purely on credit with zero deposit, the ceiling is likely to be more conservative.
- Tenure on the platform: New agents typically start with a lower limit. Agents who have been active on Tripjack for a year or more with clean repayment records have a stronger case.
- Business type and IATA status: IATA-accredited agents are generally extended more credit than non-IATA agencies. Your business registration type (proprietorship, Pvt Ltd, etc.) may also factor in.
Step-by-step: how to request a credit limit increase
Here is the process that works, in order:
- Check your current credit usage and repayment history in the Tripjack dashboard. Make sure there are no overdue amounts. If there is even a small outstanding, clear it first — applying for a limit increase while overdue on any amount is essentially a non-starter.
- Log in to the Tripjack agent portal and navigate to the wallet or account settings section. Look for a 'credit limit' or 'request increase' option. Tripjack has periodically updated their UI, so the exact menu location may differ — if you cannot find it, proceed to step 3.
- Contact your Tripjack relationship manager directly. If your agency has an assigned RM (most mid-to-large agencies do), a phone call or WhatsApp message is faster than any portal form. State your current limit, your monthly volume, and the increase you are requesting. Be specific — 'I need my limit raised from ₹X to ₹Y for the upcoming Diwali season' is a better ask than 'I need more credit'.
- Send a formal email to Tripjack agent support (their current agent support email is listed on the Tripjack website login page) summarising the request, your booking volume over the last three to six months, and your repayment record. Attach your recent Tripjack transaction history if the portal allows export.
- Offer to increase your deposit. If you can commit to depositing an additional amount upfront, mention it — Tripjack (like any B2B portal) is more willing to extend credit when your skin in the game is visible.
- Follow up at 72 hours if you have not heard back. Tripjack's team is responsive but the queue gets long pre-Diwali. A polite follow-up with your ticket or email reference number is fine.
Timing your request: peak season planning
The single biggest mistake agents make is requesting a limit increase the week before Diwali. By that point, Tripjack's credit review queue is at its longest, and even if your request is approved, it may take a week or more to reflect. Meanwhile, your competitors have already blocked seats.
The right timeline: request six to eight weeks before the peak travel season starts. For Diwali (typically October–November), that means requesting in late August or early September. For Christmas and New Year (late December), request in late October. For summer holidays (May–June school break), request in late March.
Also worth considering: during peak season, your deposit wallet becomes even more important. If your credit limit is maxed out, a pre-loaded deposit wallet lets you keep booking. Some agents maintain a rolling deposit that they top up monthly precisely for this reason — it is cheaper than losing a booking because the credit ceiling is hit.
For comparison on other portals, our article on eTrav refund timelines is relevant context if you are deciding how to split your bookings across platforms.
What if Tripjack declines the request?
A declined credit increase request usually comes with a reason — too short a tenure, repayment concerns, or the increase requested is too large a jump in one go. The response to all three is the same: build the track record over the next two to three months, request a smaller incremental increase (e.g. 30–40% higher, not double), and reapply.
If you cannot get the Tripjack credit limit you need quickly enough and have existing bookings to fulfil, a few practical options: shift some bookings to other portals like TBO or eTrav for the peak period (keeping Tripjack for your core relationship), use your pre-deposit wallet more actively, or explore a short-term business overdraft from your bank to fund the deposit wallet temporarily.
Also consider using FlightGPT Partner to compare inventory and fares across portals — having visibility on multiple sources means a credit ceiling on one platform is less of a bottleneck. Read more about TBO's AI search for agents as a complementary booking platform.
Frequently asked questions
How quickly can Tripjack increase my credit limit?
In most cases, once Tripjack's agent relations team approves the request, the updated limit reflects in your wallet within one to three business days. The approval review itself can take anywhere from a few days to a couple of weeks depending on how busy the team is and how routine your request is. Apply early.
Does Tripjack charge interest or a fee on the credit wallet?
Tripjack's credit wallet is typically structured as a commercial credit arrangement with a defined settlement cycle — it is not a loan with a formal interest rate like a bank facility. However, late settlement penalties apply, and the effective cost of the credit is embedded in Tripjack's overall agent economics. Check your current agent agreement for the exact terms, as these vary by agreement type.
What is the typical starting credit limit for a new Tripjack agent?
Tripjack does not publicly state default starting limits, and they vary significantly based on the agent's profile. Small non-IATA agents might start in the range of ₹50,000–₹1 lakh. IATA-accredited agencies or those with a strong business profile may start higher. The starting limit is negotiated at onboarding, not fixed by a published schedule.
Does having a higher deposit in the Tripjack wallet help with the credit limit?
Yes, consistently. Agents who maintain a meaningful pre-deposit balance alongside their credit line are viewed as lower-risk partners. Even loading an additional ₹1–2 lakh into the deposit wallet before making a credit limit request can positively influence the outcome, as it signals financial stability and commitment to the platform.
Can I use Tripjack credit for international hotel bookings as well as flights?
Tripjack's credit wallet is generally usable across their product suite — flights (domestic and international), hotels, and holiday packages listed on the platform. Whether a specific credit line extends equally to all product categories can vary by account type; check your agent dashboard or confirm with your RM. Some agents have separate pre-deposit requirements for high-value hotel bookings.
Is there a maximum credit limit Tripjack extends to agents?
There is no published maximum — it depends entirely on your booking volume and relationship history with the platform. Large agencies booking several crore rupees of inventory per month through Tripjack negotiate significantly higher credit lines than typical retail agents. The ceiling grows with demonstrated volume and clean repayment history.