Na sami katin kiredit na farko (ICICI Platinum Rewards) a cikin 2006 ta hanyar asusun albashi na da bankin ICICI. Tun daga wannan lokacin, sha'awara game da ladan katin kiredit da maki ya fara, wanda ya kai ni bincika sauran katunan kuɗi daban-daban.
A lokacin aikina na lokaci a Amurka, na sami damar samun $2500 kawai ta yin rajista don katunan kuɗi daban-daban. Wannan ƙwarewar ta ƙara ƙarfafa godiyata ga fa'idodi da ladan da ake bayarwa katunan bashi.
Lokacin da na kaddamar CashOverflow a cikin 2015, ɗaya daga cikin shahararrun labaran akan dandamali shine game da hacks katin kuɗi.
Ina amfani da hacks na katin kiredit don siyayya na kyauta, fa'idodin balaguron balaguro, har ma da zama mai daɗi a cikin otal-otal 5.
A bara, na sami damar samun tikitin kasuwanci kyauta ta katunan kuɗi na.
Ina farin cikin raba shawarwari masu mahimmanci waɗanda za su iya samar muku da tikitin aji na kasuwanci kyauta har guda 17 a cikin shekara guda.
1. Premium Credit Cards Tare da Amfanin Tafiya
Ina da masaniya game da sabbin abubuwan sabuntawa akan katunan kuɗi waɗanda ke ba da ƙimar lada mafi kyau.
Ina farautar sababbin katunan kuɗi waɗanda za su iya amfanar ni da masu karatun blog na.
A halin yanzu, mayar da hankalina shine samun sama da 10% dawowa ta hanyar lada da aka samu ta amfani da katunan kuɗi masu ƙima. A bara, na yi nasarar neman katin kiredit na Axis Magnus da katin kiredit na Axis Vistara.
Kuna iya yin ajiyar tikiti na aji na kasuwanci kyauta ta amfani da haɗin Axis Magnus da Axis Vistara Infinite katunan kuɗi.
2. Tikitin Ajin Kasuwanci Na Farko Kyauta
Yawancin katunan kiredit na balaguron balaguro suna ba da tikitin jirgin sama kyauta azaman kari na sa hannu. Na sami tikitin aji na kasuwanci kyauta na farko tare da katin kiredit mara iyaka na Axis Vistara azaman kari na rajista. Tikitin ya daraja fiye da kuɗin shekara na Rs 10,000.
A gefe guda, katin kiredit na Axis Magnus yana ba da zaɓi tsakanin tikitin cikin gida mai ajin tattalin arziki ko baucan Tata Cliq mai daraja Rs 10,000 a matsayin kari na rajista.
Na zaɓi baucan Tata Cliq saboda sau da yawa ina amfani da dabarun ceton kuɗi don yin ajiyar jirage na cikin gida ƙasa da rupees 10,000.
3. Ƙirƙirar Katin Kiredit don Kashe Ƙirar Ƙira
Kuna iya haɓaka ƙimar ladan katin kiredit ɗin ku ta hanyar fahimtar matakan da suka shafi kowane katin da daidaita su tare da halayen kashe kuɗi.
Misali, katin kiredit na Vistara yana ba da tikitin ajin kasuwanci har 4 akan kashe Rs 12 lakh a shekara.
A gefe guda, katin kiredit na Axis Magnus yana ba da maki 25,000 na EDGE REWARDS akan kashe rupees 1 lakh a cikin wata guda.
Don tabbatar da cewa na ci gaba da cim ma wannan ci gaba, na ɗauki dabarun dabarun ciyarwa na kowane wata.
Na lura da ƙayyadaddun kashe kuɗi na kamar sabis na mota, kuɗin inshorar rai, kiwon lafiya inshora biyan kuɗi, sabunta inshorar mota, wajibcin haraji na gaba, da manyan siyayya ga gidana a cikin watan da ya dace. Wannan yana ba ni haske game da adadin kuɗin da zan kashe akan ƙayyadaddun kashe kuɗi a farkon wata.
Kowane wata, Ina siyan baucan kyauta Rs 20,000 daga Amazon, Flipkart, Decathlon, da MakeMyTrip. Ina yin duk sauran kashe kuɗi akan katin kiredit na Magnus har sai na isa babban ci gaba na Rs 1 lakh kowane wata.
Ina amfani da katin kiredit mara iyaka na Axis Vistara don duk sauran kuɗaɗen da suka rage, na tabbatar da cewa na sami ci gaban Vistara na shekara-shekara.
4. Yi amfani da Abokan Canja wurin Don Samun Matsakaicin ƙimar lada (kalmomi 300-400)
Na sami tikitin aji na kasuwanci kyauta guda 5-haɗaɗɗen fa'idar yin rajista da buga manyan abubuwan shekara-shekara tare da katin kiredit mara iyaka na Vistara.
Na gano hack lokacin da ake yin amfani da Magnus EDGE REWARDS Points. Yawanci, lokacin da kuka fanshi waɗannan maki, ƙimar su kusan 0.20 paisa kowace aya.
Koyaya, zaku iya canja wurin maki ladan EDGE zuwa Club Vistara akan rabon 5:4, wanda ke nufin zaku iya canza maki EDGE 25,000 zuwa maki 20,000 Vistara.
Tare da maki 20,000 Vistara, zaku iya yin ajiyar tikitin aji na kasuwanci na cikin gida wanda yakai akalla Rs 14,000. Bugu da ƙari, ana iya amfani da maki Vistara don yin ajiyar jiragen sama na ƙasa da ƙasa kuma.
Ta hanyar cim ma cim ma babban abin kashe kuɗi na wata-wata na lakh rupees akan katin kiredit na Magnus, zaku iya samun tikitin aji na kasuwanci kyauta har 1 kowace shekara.
Kuna iya amfani da katin kiredit na Magnus & Vistara don samun tikitin aji 17 na kasuwanci kyauta akan kashe rashi 24 a cikin shekara.
Idan ya zo ga samun mafi kyawun ƙimar lada daga katin kiredit, yana da mahimmanci a gare ku karbi katin kiredit da ya dace dangane da halin kashe kuɗin ku. Idan katin kiredit ɗin ku na kashewa yana da ɗan ƙaramin ƙarfi, ƙila ba za ku iya samun cikakkiyar fa'idodin fa'idodin da ke zuwa tare da katunan kuɗi masu ƙima ba.
A gefe guda, idan kuɗin kuɗin katin kiredit ɗin ku na shekara-shekara ya wuce rupees lakh 10, zaku iya samun mafi kyawun ƙimar lada dangane da haɓaka ƙimar lada, fa'idodi na keɓancewa, da samun damar yin ayyuka masu ƙima tare da katunan kuɗi masu ƙima.
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