Duk lokacin da muke magana game da bankuna masu zaman kansu a Indiya, HDFC Bank suna ɗaya ne da ke kan gaba.
Tare da sabis na abokin ciniki na duniya, HDFC ya gina hanyarsa don samun amincewar ƙasar da ta damu da bankunan jama'a kamar Bankin Jiha na Indiya da Bankin Kasa na Punjab.
An haɗa shi a cikin 1994, HDFC ta sami tushen abokin ciniki a Indiya ta hanyar ba da sabis na ɓangaren masu fafutuka na ƙasar tare da buƙatun bankin sa na ƙima.
Sai dai kuma, a hankali, bankin ya shiga tsaka-tsakin kasuwa ta hanyar ajiyarsa da kuma zabin asusu na yanzu, kuma mafi mahimmanci, ta hanyarsa. katin bashi wurare. Ɗayan irin wannan sabon katin bayarwa daga HDFC shine Katin Kiredit na MoneyBack.
Dukanmu mun san sha'awar bankuna tare da ƙididdige ƙididdiga yayin bayar da katunan kuɗi, daidai?
Amma da alama HDFC ta leka kasuwa sosai kuma ta yanke shawarar fito da katin da ba ya damu da ƙimar kiredit. A maimakon haka yana jaddada yuwuwar samun kudin shiga na mutum.
Wannan ya haifar da katin kiredit na HDFC MoneyBack yana shiga cikin ɗimbin al'ummar Indiyawa waɗanda ke fara haɓaka ƙimar ƙimar su.
Ƙara masa ƙananan kuɗin kulawa na shekara-shekara da kuma lada ga fasalin Cashback, kuma kuna da 'gem na katin kiredit' wanda aka yi don Gen Z kawai da alƙaluman alƙaluman shekaru dubu.
Makin kiredit wata ƙungiya ce ta amincin mutum a matsayin mai siye da mai biyan lamuni. An gina amincin ku a matsayin mai siye akan adadin asusun kuɗin da kuka mallaka, yadda kuke kashewa, ko an biya kuɗin ku akan lokaci, karɓar lamunin ku da tarihin biyan lamuni, da sauran abubuwan da ke tabbatar da lafiyar kuɗin ku. Ƙimar kiredit tana tsakanin 300-850. Mafi girma, mafi kyau. |
Akwai muhimman abubuwan da wannan katin ke da shi da yawa, kuma kafin mu zartar da hukuncinmu kan makin da ake bukata na wannan katin, bari mu yi la’akari da fa’ida, fasali, da kuma kudaden da wannan katin ke samu.
Fa'idodin Katin Kiredit na Kuɗi na HDFC
BARKA DA AMFANA
500 Cash Points, dangane da biyan kuɗin zama memba.
FA'IDAR FARUWA FUEL
1% ƙarin cajin mai akan mafi ƙarancin ciniki na Rs. 400 a duk gidajen mai a fadin Indiya.
Matsakaicin tsabar kuɗi a kowace zagayowar sanarwa shine Rs. 250.
FA'IDOJIN MULKI
Kudin zama memba na farko ko na shekara na Rs. Ana yafe 500 akan mafi ƙarancin kashe kuɗi na Rs. 20,000 a farkon watanni 3 bayan kunna katin.
Daga shekara ta 2 zuwa gaba, mafi ƙarancin kashe kuɗi na Rs. 50,000 yana tabbatar da cewa kuɗin sabuntawa na shekara mai zuwa na Rs. 500 an cire su.
Kashe mafi ƙarancin Rs. 50,000 yana samun Rs. Baucan kyauta 500 kowane kwata. Wannan ya sa jimlar Rs. 2000 darajar baucan kyauta za ku iya amfana a cikin shekara guda.
SAURAN BAYANSA
- Kuna iya cire kuɗi daga ATM ta amfani da katin kiredit ɗinku na HDFC Moneyback, wanda akafi sani da Revolving Credit, gwargwadon iyakar kuɗin katin ku. Yawancin lokaci shine kashi 40% na iyakar kuɗin katin kuma akwai ƙimar riba na 3.6% kowace wata ko 43.2% kowace shekara. Sabon kudin ruwa yana aiki daga Satumba 2020.
- Kuna iya amfani da ragi har zuwa 40% ko fiye akan kantunan cin abinci masu ƙima (a cikin zaɓaɓɓun birane) ƙarƙashin Tsarin Abincin Abinci mai Kyau na HDFC.
- Bayan rasa katin kiredit ɗin ku da gangan, da kuma ba da rahotonsa nan da nan zuwa cibiyar kiran HDFC, babu wani abin alhaki kan duk wata ma'amala ta yaudara.
- Akwai kwanaki 50 mara amfani akan Katin Kiredit na HDFC MoneyBack. Lokacin rashin riba yana farawa daga ranar siyan.
- Hakanan zaka iya canza manyan siyayyarku zuwa kashi-kashi na wata-wata ta amfani da zaɓin Smart EMI. Ƙididdiga na Smart EMI shine 1% na adadin siyan ko Rs. 350 (ban da haraji), duk wanda ya fi girma.
Bayani na Musamman: Biyan Lambobin Sadarwa (akwai akan katunan tare da tambarin mara lamba akan su)
Katin Kiredit na HDFC yana ba da damar biyan kuɗi mara lamba don zaɓin abokan ciniki akan buƙatun ciniki har zuwa Rs. 1999 a lokaci guda. Za a iya amfani da sigar katin mara lamba a kantunan dillalai waɗanda ke da ikon biyan kuɗi mara lamba. Tabbas ƙari yayin lokutan COVID.
Ayyukan sakamako
Tsarin ma'anar sakamako na HDFC MoneyBack Credit Card kyakkyawa ne mai sauƙi, kuma madaidaiciya. Yana da 'yan keɓewa kawai.
2X Abubuwan Lada
Akan kashe kuɗin kan layi, kuna karɓar maki 2X ko maki lada 4 akan kowane Rs. An kashe 150.
1X Batun Kyauta
Kuna samun maki 1X kyauta ko maki 2 kyauta akan kowane Rs. An kashe 150 a layi.
Makin lada suna aiki na tsawon shekaru 2 daga ranar tarawa. Yana da kyau a yi amfani da maki lada a cikin shekaru 2.
Ana iya fansar maki lada don:
- Ma'auni na sanarwa na wata-wata a fanin 20 akan kowane ma'aunin sakamako. Makin da aka tara ya kamata ya zama 2500 RP don fansar bayanin kowane wata.
- Yi ajiyar jirgin sama da otal. Adadin fansar lada shine 1 Reward = 25 paise ko maki 100 Lada = Rs. 25 don ajiyar jirgi da otal.
Ma'aunin Cashback
Makin lada 100 daidai yake da Rs. 20 watau 1 Reward Point ana darajarta a paise 20.
Don ajiyar otal da jirgin sama, ƙimar maki na lada ya fi girma - Makin lada 1 yayi daidai da paise 25 ko maki 100 na lada daidai Rs. 25.
Cashback VS Kyauta
Katin Katin Lada shine inda za'a iya tara maki ko ladan da kuka samu kuma kuyi amfani da su don fansar abubuwa daga Kasuwar Sakamako. Katin Kiredit na Kyauta yawanci yana da ƙarin ƙimar lada fiye da katunan Cashback. Katin Kiredit Cashback yana ba da tsabar kuɗi da za a iya fansa akan abubuwan da aka samu akan sayayya. Katin Kiredit na Cashback yana ba da ƙarin sassauci dangane da inda kuke niyyar kashe maki, ko kuma idan kuna son daidaita su don biyan bayanin ku na wata-wata. Katin Miles Wani sanannen nau'in shine Katin Miles inda ake ba ku ladan mil don kashe kuɗin kan katin. Katin Kiredit ɗin Miles ya fi dacewa da tafiye-tafiye akai-akai. |
Kudade & Kudade
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KUDIN SHIGA
500 + haraji
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KUDI NA SHEKARA/KUDA SANARWA
500, an yi watsi da kashe kuɗin shekara na Rs. 50,000.
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CIGABAN ATM
5% na adadin da aka cire ko Rs. 500, duk wanda ya fi girma.
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BINCIKEN CARJI
25 don duba ƙimar har zuwa Rs. 500.
Rs 50 don ƙimar duba sama da Rs. 5000. -
SAKE FITAR DA KATIN ɓatacce, SARAUTA KO LABARI
Rs. 100.
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KUJERAR DAWOWAR BAYANI
10 ga kowane kwafin bayanan jiki (daga Satumba 2020 gaba).
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CAJIN BIYAWA
Ƙididdigan kuɗin biyan kuɗi, aika kwanakin 50 na rashin riba kamar haka (wanda ya dace da Satumba 2020):
Daidaiton Bayani | Ladan Biyan Kuɗi |
< Rs. 100 | Babu cajin |
Rs.100 - Rs.500 | Rs. 100 |
Rs.501 - Rs.5,000 | Rs. 500 |
Rs.5,001 - Rs.10,000 | Rs. 600 |
Rs.10,001 - Rs.25,000 | Rs. 800 |
Rs.25,001 - Rs.50,000 | Rs. 1,100 |
Fiye da Rs. 50,000 | Rs. 1,300 |
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AKAN KUDI IYAKA
5% na adadin da aka wuce iyaka ko Rs. 500, duk wanda ya fi girma.
Sama da Kuɗin Iyaka An kai ga wuce gona da iri a cikin kashe kuɗin katin kiredit lokacin da kuke yin mu'amala fiye da iyakar kiredit ɗin ku. Ka ce, iyakar kuɗin ku shine Rs. 50,000, amma jimlar kuɗin ku akan katin don sake zagayowar bayanin wata-wata Rs. 55,000. Wannan yana nufin cewa kuna da wuce gona da iri na Rs. 5000, kuma zai tara adadin riba akan adadin da ya wuce iyaka. Katunan da ba sa sauƙaƙe ƙetare ƙima fiye da ƙima. |
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CIGABA DA HANYAR RASHIN KASA
1% na adadin ma'amala tare da haraji.
Neman Katin Kiredit wanda ke ba da fa'idodi mafi yawa akan siyayya ta kan layi? Duba SBI SimplyCLICK Card Credit review. |
Cancantar Katin Kiredit na Kuɗi na HDFC
Age
21 - shekaru 60
KUDI NA SHEKARA
Ma Mutane masu albashi : 3lakh a shekara ko Rs. 25,000 kudin shiga kowane wata.
Ga Masu Aikata Kai/Yan Kasuwa: Rs 6 lakh a kowace shekara (kamar yadda takardar dawo da harajin shiga)
WURIN ZAMA
An fi son garuruwan Metro da Manyan Garuruwa da Garuruwa. Tun da bankin yana da babbar hanyar sadarwa a cikin biranen 2,768 a duk faɗin Indiya, katin kuɗi na MoneyBack yana da faffadar isa fiye da sauran katunan daga bankuna masu zaman kansu.
SAURAN CANCANCI
HDFC tana ba da fifiko ga masu riƙe da asusunta idan ya zo ga bayar da katunan kuɗi. Hakanan, kamar yadda aka ƙayyade dama a farkon, HDFC MoneyBack Credit Card ba ƙayyadadden ƙima ba ne.
Don haka, ko da ba ku da tarihin kiredit mai mahimmanci game da mallakar katin kiredit, har yanzu kuna iya neman katin kai tsaye akan HDFC. website.
Hukuncin mu akan Katin Kiredit na Kuɗi na HDFC
Muna ba da shawarar HDFC MoneyBack Credit Card idan kun:
- Kuna tunanin samun katin kiredit don kanka a karon farko
- Ba masu sha'awar tashoshin ba da ladan banki ba kuma sun fi son Cashback idan ana batun tanadi akan kashe kuɗin kan layi da kan layi
- Ba ku da buƙatun tashi akai-akai
- Iyakantaccen amfani da mai na abin hawa kowane wata
- Kuna sha'awar haɓaka makin kiredit ɗin ku don ku sami kati tare da mafi kyawun fasali.
Idan ka cika ɗaya ko wasu ko ma duk sharuɗɗan da aka jera a sama, wannan katin zai dace da kai.
Mun san cewa dacewar katin ya bambanta daga mutum zuwa mutum ko da yana da adadi iri ɗaya na shekaru, wuri, ko ma biyan kuɗi.
Don haka, kafin ku yi la'akari da samun katin kiredit, yana da kyau koyaushe ku bincika takamaiman buƙatun katinku, da kuma waɗanne wuraren kashe kuɗin ku kuke son kula da katin kiredit ɗin ku.
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