Zaɓin katunan kuɗi da na fi so shine katin cashback maimakon katin ma'anar lada.
Lokacin da kuke amfani da katin kiredit na cashback don biyan kuɗi, kuna samun kuɗin ruwa kai tsaye zuwa asusunku azaman lada.
Ba kamar wuraren kuɗi ba, waɗanda ba kuɗi na gaske ba ne saboda ba za ku iya kashe shi da gaske akan duk abin da kuke so ba. Kuna iya juya maki zuwa takardun shaida, bauchi, ko siyan wani abu daga kantin sayar da kuɗi, kuma shi ke nan.
Wanda hanya ce ta takura min. Musamman lokacin da nake da zaɓi don samun ladan kuɗi.
Anan ga mafi kyawun katunan kuɗi 7 waɗanda ke ba da lada na cashback a Indiya.
1. ICICI Sapphiro Credit Card
ICICI Sapphiro babban katin kiredit ne wanda ke ba ku mafi girman ƙimar kiredit da ƙarin maki Payback dangane da ko kuna ciyarwa ta hanyar MasterCard ko katin American Express.
Idan kuna amfani da MasterCard sannan don ma'amalar cikin gida (mafi ƙarancin RS 100), kuna samun maki 2 na dawowa da maki 4 akan ma'amaloli na duniya.
Idan kuna amfani da AmericanExpress, kuna samun maki 4 don kowane RS. An kashe 100 akan ma'amalar cikin gida da maki 6 akan duk ma'amaloli na duniya. Sai dai siyan mai.
Dangane da samun maki na dawowa, ICICI Sapphiro yana da girma kamar yadda yake samu a kasuwa a yanzu.
Hakanan zaka iya amfani da maki na dawowa don biyan lissafin katin kiredit ɗin ku. Kowane maki biya yana da daraja Rs. 0.25, kuma zaku iya fansar duk makinku zuwa tsabar kuɗi. Adadin fansa yana zuwa kai tsaye zuwa asusun katin kiredit na ICICI.
Masu katin ICICI Sapphiro suna samun maki 2000 na dawowa ga kowane RS. An kashe 100,000 da maki 4000 ga kowane RS. An kashe 400,000.
Akwai ladan kuɗi don kashe kowane kuɗi sama da 5,00,000 a cikin shekara.
Amfanin katin ICICI Sapphiro:
- 2 na kasa da kasa damar samun damar kowane kwata & 2 zaman spa kyauta a filayen jirgin sama
- Samun shiga falon gida 4 kowane kwata
- Samun dama ga wasannin golf na kyauta a manyan kwasa-kwasan golf a duk faɗin duniya
- Ladan kuɗi akan kashewa sama da RS. 5,00,000 da 10,00,000 (na gida da na waje)
Wanene yakamata ya zaɓi katin ICICI Sapphiro:
ICICI Sapphiro babban katin kiredit ne tare da iyaka mai girma, fa'idodi na keɓancewa, wanda ke nufin ƙarin haɗin gwiwa da kuɗin shekara-shekara.
Idan kashe kuɗin ku na shekara-shekara ya wuce RS 600,000, to wannan shine mafi kyawun katin kiredit dangane da keɓantaccen tayi da tanadi. Karanta ICICI Sapphiro cikakken bita anan.
Jeka gidan yanar gizon bankin ICICI kuma a yi amfani
2. Citibank Cash back Card
Katin Citibank Cashback sanannen katin kiredit ne, kuma mutane suna jin daɗin amfani da shi akan ma'amaloli na yau da kullun.
Hakanan yana ɗaya daga cikin mafi sauƙi don samun amincewa. Idan kai ma'aikaci ne mai albashi, akwai babbar dama ta samun amincewar katin Citibank na cashback idan har ma kana da ƙimar kiredit mai ƙasa da matsakaici.
Katin Citibank Cashback yana ba da lebur 0.5% na ƙimar ciniki azaman cashback. Ga kowane 1,00,000 da aka kashe, kuna samun cashback 500.
Hakanan kuna samun ƙarin tsabar kuɗi 5% akan siyan tikitin fina-finai da kuma akan biyan kayan aiki da lissafin kuɗi.
Adadin cashback ana ƙididdige shi ta atomatik zuwa asusun katin kuɗin ku a duk lokacin da kuka tara RS-500 a cikin cashback.
Fa'idodin Katin Cashback na Citibank:
- Ƙananan kuɗin shiga - RS. 500 (Babu Wayar Kuɗi)
- Cashback auto credits
- Easy yarda - manufa domin sabon shiga
Wanene ya kamata ya zaɓi katin Citibank Cashback:
Katin Citibank Cashback yana da kyau ga kowa, amma masu farawa zasu iya amfana sosai. Ƙananan kuɗaɗen shiga, auto cashback-credit da kuma yarda mai sauƙi shine mabuɗin dalilin da ya sa ya zama kyakkyawan zaɓi.
Jeka gidan yanar gizon Citibank kuma nema
3. ICICI Coral Credit Card
ICICI Coral Card shine katin kiredit dina na farko.
Katin bashi mara tsada ne idan aka kwatanta da wasu a cikin jerin. Katin Coral ICICI cikakke ne don farawa don farawa.
Kuna samun maki biyu na dawowa akan kowane Rs. An kashe 2. Sai dai siyan mai.
Game da siyan man fetur, kuna samun ƙarin cajin 1% da aka yasar don ma'amaloli a ƙasa RS. 5000.
Mafi kyawun sashi shine zaku iya amfani da maki biya don biyan lissafin katin kiredit na ICICI.
Amfanin katin Coral na ICIC:
- Kudin shekara - RS. 500 + GST. Ana cire kuɗin shekara idan kun kashe Rs. 150,000 ko sama da haka a cikin shekara.
- Samun damar zuwa falon filin jirgin sama na VISA/MasterCard sau ɗaya kowane kwata.
- Samun damar falon layin dogo sau ɗaya kowane kwata.
- Ladan kuɗi akan ciyarwar shekara sama da RS. 300,000.
Wanene yakamata ya zaɓi katin ICICI Coral:
ICICI Coral shine mafi kyau ga matsakaitan masu siye da ke amfani da katin kiredit don kashe kuɗi akan abubuwan yau da kullun.
Idan ba ku yi tafiya da yawa ba kuma kuna shirye don adana kuɗi akan kuɗin shekara-shekara, wannan shine zaɓin da ya dace. Karanta cikakken ICICI Coral bita anan.
Jeka gidan yanar gizon bankin ICICI kuma a yi amfani
4. HDFC Bank MoneyBack Credit Card
Wani zaɓin katin bashi mai kyau ya fito daga bankin HDFC - katin kiredit na MoneyBack.
Wannan katin kiredit ne na matakin shigarwa. HDFC MoneyBack katin yana ɗaya daga cikin mafi sauƙi don samun izini. Duk abin da kuke buƙata shine asusun banki na HDFC, kuma idan ba ku da maƙiyan kiredit mara kyau, zaku sami ɗaya kyauta.
Kuna samun maki 2 kyauta akan kowane ciniki na Rs. 150 don swipes da sauran ma'amaloli na layi.
Lokacin da kuka kashe kan layi, kuna samun maki 4 ga kowane Rs. An kashe 150. Akwai kari mai mahimmanci na Rs. 500 E-boucher akan kashe RS. 50,000 a kowace kwata.
Fa'idodin Katin Kuɗi na HDFC:
- Memba na shekara ta 1 kyauta ne (An yi watsi da kashe RS. 50,000 kowace shekara)
- Tabbatar da izini ga ma'aikata masu albashi
- Da zarar kun tara RS. 500 darajar maki na tukwici, yana karɓar kuɗin da aka samu ta atomatik cikin asusun katin kiredit.
Wanene yakamata ya zaɓi HDFC MoneyBack Card:
Matsayin shigarwa ne kuma babban katin kiredit na asali.
Koyaya, HDFC baya bayar da kowane sabis na kyauta ko fa'ida kyauta akan katin MoneyBack. Duk wanda ke buƙatar gyara makin kiredit ɗin su ko yana son katin kiredit kyauta azaman madadin zaɓi zai iya zaɓar shi. Karanta cikakken katin HDFC Moneyback cikakken bita anan.
Jeka gidan yanar gizon bankin HDFC & nema
5. IndusInd Iconia Amex Credit Card
IndusInd yana ɗaya daga cikin mafi kyawun banki don masu sha'awar katin kiredit.
An yi katin IndusInd Iconia don masoya karshen mako. Idan kuna son fita waje don cin abinci, fina-finai, da liyafa, lallai ya kamata ku duba.
Ga kowane RS. 100 da kuka kashe, zaku sami maki 2 kyauta a karshen mako da 1.5 a ranakun mako.
Ga wani abu da zaku so:
Darajar maki 1 shine Rs. 1. Ma'ana kana samun tsabar kudi 500 duk lokacin da ka kashe RS. 10,000. Wannan hauka ce darajar.
Fa'idodin Katin IndusInd Iconia:
- Ziyarar falon filin jirgin sama mara iyaka (A kan katin AMEX kawai)
- Zagaye na golf na kyauta da darussa
- 1+1 tikitin fim kyauta a kowane wata
- Ayyukan ƙauye
- Kuɗin shiga lokaci ɗaya - babu kuɗin shekara-shekara
Wanene yakamata ya zaɓi Katin Iconia Indusind:
IndusInd Iconia katin kiredit ne cikakke ga kowa. Kodayake yana da manyan fa'idodi ga masu cin abinci & masu ciyar da ƙarshen mako, tsarin lada da bankin IndusInd ke bayarwa shine ɗayan mafi kyawun kasuwa.
Yana da matsakaicin ƙimar yarda, amma ya kamata ku sami damar samun amincewa tare da kyakkyawan ƙimar kiredit da takaddun samun kudin shiga.
Jeka gidan yanar gizon IndusInd Bank kuma nemi
6. American Express Platinum Travel Credit Card
Katin balaguron balaguro na AMEX shine ingantaccen haɗin keɓaɓɓen tayi da tsabar kuɗi don matafiya. Katin kuɗi ne mai ban mamaki wanda ke ba da fa'idodi masu yawa ga masu sha'awar tafiya.
Katin kiredit ne mai ƙima wanda ke ba da keɓancewar bauchi da kari akan matsakaicin amfani.
Kuna samun maki 1 akan kowane Rs. 50 da aka kashe (banda kudin man fetur da lissafin kudi). Kuna iya amfani da waɗannan wuraren lada don siyayya akan layi, samun takaddun balaguro, da canza su zuwa katunan kyauta da kuma biyan kuɗi.
AMEX Platinum kuma yana ba da fa'idodi masu mahimmanci kamar:
- Baucan balaguron tafiye-tafiye na Rs. 9,440 akan kashe Rs. 4 lakhs a shekara
- Sami maki lada 7,500 da takaddun balaguron balaguro wanda ya kai Rs. 5000 akan kashe Rs. 1.90 lakhs a cikin shekara
- Sami Katin Kyautar E-Kyauta Taj mai daraja Rs. 10,000 akan kashe Rs. 4 lakhs
Kudin shiga na wannan katin shine Rs 3500 da Rs 5000 daga shekara ta biyu zuwa gaba.
Fa'idodin Katin Balaguro na American Express Platinum:
- Ƙarin fa'idodi fiye da sauran katunan
- Karin maki idan aka kwatanta da gasar
- Adadin asarar katin sifili (idan an ruwaito shi ƙarƙashin kwanaki 3)
- Babban fa'idodi da tayi na keɓaɓɓen ga matafiya
Wanene yakamata ya zaɓi American Express Platinum Travel Card:
Idan kuna tafiya da yawa kuma kuna neman katin kiredit na balaguron balaguro, AMEZ Express Platinum ya dace da ku.
Jeka gidan yanar gizon American Express & nema
7. Standard Chartered Super Value Titanium Credit Card
A ƙarshe, katin kuɗi wanda ke adana kuɗi akan ma'amaloli na yau da kullun kuma yana ba ku lada don kashe kuɗi akan kayan aiki da mai.
SC Super Value Titanium katin kiredit ɗaya ne wanda ke bincika duk akwatunan don matsakaitan mabukaci waɗanda ke son adana kuɗi akan mahimman farashi kamar kuɗin gida da mai.
Kuna samun maki 1 ga kowane Rs. An kashe 105. Sannan kuna samun 5% cashback akan kuɗin man fetur a kowace ciniki idan bai wuce Rs ba. 2000.
Akwai kashi 5% na tsabar kuɗi akan duk kuɗin tarho da kuɗin amfani.
Fa'idodin Katin Titanium Super Value Standard Chartered:
- Ɗaya daga cikin katunan kuɗi na kyauta don ba da tsabar kudi akan abubuwan amfani da kayan aiki kuma ɗayan mafi girma tare da 5%.
- Ƙananan shiga da jin daɗin shekara-shekara na Rs. 750 (an cire daga kashe Rs. 90,000 a kowace shekara)
- Sauƙi yarda ga mai aikin kai
Wanene Ya Kamata Ya Zaba Katin Kiredit Mai Daraja Mai Daraja Super Value Titanium:
Duk wanda ke son samun katin kiredit mara tsada kuma yana son adana kuɗi akan mahimman takardar kudi da mai to ya zaɓi katin SC Super Value Titanium Card. Karanta cikakken katin Chartered Super Value cikakken bita anan.
Jeka gidan yanar gizon Standard Chartered & nema
Kammalawa
Mafi kyawun katin kiredit a gare ku shine wanda ya dace da bukatun ku na kashe kuɗi & halaye. Akwai zaɓuɓɓuka iri-iri da kati na musamman ga kowa da kowa.
Kun gano wasu mafi kyawun katunan kuɗi a kasuwa. Kowane ɗayan waɗannan katunan yana ba da tayi na musamman da fa'ida ga wani nau'in mai amfani. Zaɓi wanda kuke tunanin ya dace da rayuwar ku.
Tabbas, ci gaba da ƙimar darajar ku don samun sauri da kuma tabbatar da yarda daga manyan bankuna.
Tambayoyi? Wani sabon katunan da kuke son bayar da shawarar? Sharhi a kasa.
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