Upvote:4
There is no age limit for a PAN card. I would make sure however that you can use the PAN card in all your target countries.
Otherwise you can carry the equivalent of 2'000 USD in foreign currency along with you. Also, you can take 5'000 RS with you, except for Nepal and Buthan.
If you carry a lot of cash please be careful. There are recently more and more reported thefts in airplanes reported. Items are often taken out of the overhead luggage compartment when people are sleeping.