ʻO kaʻu koho kāleka hōʻaiʻē he kāleka hoʻihoʻi ma mua o kahi kāleka helu uku.
Ke hoʻohana ʻoe i kahi kāleka hōʻaiʻē cashback e uku, loaʻa iā ʻoe ke kālā wai pololei i kāu moʻokāki ma ke ʻano he uku.
ʻAʻole like me nā helu ʻaiʻē, ʻaʻole ia he kālā maoli no ka mea ʻaʻole hiki iā ʻoe ke hoʻolilo iā ia ma nā mea āu e makemake ai. Hiki iā ʻoe ke hoʻololi i nā helu i nā coupons, voucher, a kūʻai paha i kekahi mea mai kahi hale kūʻai kākoʻo, a ʻo ia nō.
He mea paakiki loa ia ia'u. ʻOi loa inā loaʻa iaʻu kahi koho e loaʻa nā uku kālā.
Eia nā kāleka hōʻaiʻē maikaʻi loa 7 e hāʻawi i nā uku cashback ma India.
1. Kāleka ʻaiʻē ICICI Sapphiro
ʻO ka ICICI Sapphiro kahi kāleka hōʻaiʻē maikaʻi e hāʻawi iā ʻoe i kahi palena aie kiʻekiʻe a me nā helu Payback hou ma muli o ka hoʻolilo ʻana ma o ka MasterCard a i ʻole ka kāleka American Express.
Inā ʻoe e hoʻohana i ka MasterCard a laila no nā kālepa kūloko (ka liʻiliʻi o RS 100), loaʻa iā ʻoe nā helu uku uku 2 a me nā helu uku uku ma nā kālepa honua.
Inā ʻoe e hoʻohana i ka AmericanExpress, loaʻa iā ʻoe nā helu uku uku 4 no kēlā me kēia RS. Ua hoʻohana ʻia ʻo 100 ma nā hana kūloko a me 6 mau helu ma nā hana āpau āpau. Koe wale no ke kuai wahie.
Ma ke ʻano o ka loaʻa ʻana o nā helu uku, ʻoi aku ka kiʻekiʻe o ICICI Sapphiro e like me ka loaʻa ʻana ma ka mākeke i kēia manawa.
Hiki iā ʻoe ke hoʻohana i nā helu uku e uku i kāu bila kāleka hōʻaiʻē. ʻO kēlā me kēia wahi uku uku he Rs. 0.25, a hiki iā ʻoe ke kūʻai hou i kāu mau helu āpau i ke kālā. Hele pololei ka huina kalahala i kāu moʻokāki kāleka hōʻaiʻē ICICI.
Loaʻa i nā mea paʻa kāleka ICICI Sapphiro he 2000 mau helu uku no kēlā me kēia RS. 100,000 i lilo a me 4000 helu no kēlā me kēia RS. 400,000 lilo.
Loaʻa nā uku kālā no ka hoʻolilo ʻana i kekahi kālā ma luna o 5,00,000 i ka makahiki.
Nā pōmaikaʻi o ke kāleka ICICI Sapphiro:
- Loaʻa 2 lumi hoʻokipa honua i kēlā me kēia hapaha & 2 kau spa manuahi ma nā mokulele
- 4 hale hoʻokipa hale i kēlā me kēia hapahā
- Loaʻa i nā pōʻai kolepa ʻoluʻolu ma nā papa kolepa mua ma ka honua
- ʻO nā uku kālā ma ka hoʻolilo ʻana ma luna o RS. 5,00,000 a me 10,00,000 (ma ka home a me ka honua)
ʻO wai ka mea e koho i ke kāleka ICICI Sapphiro:
ʻO ICICI Sapphiro kahi kāleka hōʻaiʻē uku me ka palena kiʻekiʻe, nā pōmaikaʻi kūʻokoʻa, ʻo ia hoʻi ka hui kiʻekiʻe a me ka uku makahiki.
Inā ʻoi aku kāu kālā makahiki ma mua o RS 600,000, a laila ʻo kēia ka kāleka hōʻaiʻē maikaʻi loa e pili ana i nā hāʻawi kūʻokoʻa a me nā mālama kālā. E heluhelu i ka loiloi piha ICICI Sapphiro maanei.
E hele i ka pūnaewele ICICI Bank & noi
2. Kāleka hoʻihoʻi kālā Citibank
He kāleka hōʻaiʻē kaulana loa ʻo Citibank Cashback, a hauʻoli ka poʻe i ka hoʻohana ʻana ia mea ma nā kālepa o kēlā me kēia lā.
ʻO ia kekahi o ka maʻalahi loa e ʻae ʻia. Inā he limahana uku ʻoe, nui loa ka manawa e ʻae ʻia ai ʻoe no ke kāleka cashback Citibank inā loaʻa iā ʻoe ka helu ʻaiʻē ma lalo o ka awelika.
Hāʻawi ke kāleka Citibank Cashback i kahi pālahalaha 0.5% o ka waiwai kūʻai ma ke ʻano he cashback. No kēlā me kēia 1,00,000 i lilo, loaʻa iā ʻoe he 500 cashback.
Loaʻa iā ʻoe he 5% ʻoi aku ke kālā hou ma ke kūʻai ʻana i nā tiketi kiʻiʻoniʻoni a ma ka uku ʻana i nā pono a me nā bila.
Hoʻokomo ʻia ka huina kālā i kāu moʻokāki kāleka hōʻaiʻē i kēlā me kēia manawa āu e hōʻiliʻili ai i ka RS-500 i ka cashback.
Nā pōmaikaʻi o ke kāleka Citibank Cashback:
- Uku hoohui haahaa - RS. 500 (ʻAʻohe hoʻokuʻu kālā)
- Nā hōʻaiʻē kaʻa cashback
- ʻAe maʻalahi - kūpono no ka poʻe hoʻomaka
ʻO wai ka mea e koho i ke kāleka Citibank Cashback:
He kūpono ke kāleka Citibank Cashback no kēlā me kēia, akā hiki i ka poʻe hoʻomaka ke pōmaikaʻi nui loa. ʻO nā uku hoʻohui haʻahaʻa, hōʻaiʻē hoʻihoʻi kaʻa a me ka ʻae maʻalahi ke kumu nui e koho maikaʻi ai.
E hele i ka pūnaewele Citibank a noi
3. Kāleka ʻaiʻē ICICI Coral
ʻO kā ICICI Coral kaʻu kāleka hōʻaiʻē mua.
He kāleka hōʻaiʻē maʻalahi loa ia e hoʻohālikelike ʻia me nā mea ʻē aʻe ma ka papa inoa. He kūpono kūpono ke kāleka ICICI Coral no ka hoʻomaka ʻana no ka poʻe hoʻomaka.
Loaʻa iā ʻoe 2 mau uku uku no kēlā me kēia Rs. 100 lilo. Koe wale no ke kuai wahie.
I ka hihia o ke kūʻai wahie, loaʻa iā ʻoe kahi uku hoʻolimalima 1% i kāpae ʻia no nā hana ma lalo o RS. 5000.
ʻO ka hapa maikaʻi loa hiki iā ʻoe ke hoʻohana i nā helu uku e uku i kāu bila kāleka hōʻaiʻē ICICI.
Nā pōmaikaʻi o ke kāleka ICIC Coral:
- Uku makahiki – RS. 500 + GST. Hoʻokuʻu ʻia ka uku makahiki inā hoʻolilo ʻoe i Rs. 150,000 a ʻoi aʻe paha i ka makahiki.
- Loaʻa i ka lumi hoʻomaha mokulele VISA/MasterCard i hoʻokahi manawa i kēlā me kēia hapaha.
- Loaʻa i ka lumi kaʻaahi i hoʻokahi manawa i kēlā me kēia hapaha.
- Loaʻa nā uku kālā ma ka lilo makahiki ma mua o RS. 300,000.
ʻO wai ka mea e koho i ke kāleka ICICI Coral:
ʻOi aku ka maikaʻi o ka ICICI Coral no nā mea kūʻai maʻamau e hoʻohana i ke kāleka hōʻaiʻē e hoʻolilo kālā i nā lilo o kēlā me kēia lā.
Inā ʻaʻole ʻoe e huakaʻi nui a makemake ʻoe e mālama i ke kālā ma nā uku makahiki, ʻo ia ke koho kūpono. E heluhelu i ka loiloi piha ICICI Coral maanei.
E hele i ka pūnaewele ICICI Bank & noi
4. Kāleka ʻaiʻē HDFC Bank MoneyBack
ʻO kekahi koho kāleka hōʻaiʻē maikaʻi mai ka waihona HDFC - ke kāleka hōʻaiʻē MoneyBack.
He kāleka hōʻaiʻē komo kēia. ʻO ke kāleka HDFC MoneyBack kekahi o nā mea maʻalahi loa e ʻae ʻia. ʻO ka waihona kālā HDFC wale nō āu e makemake ai, a inā ʻaʻole ʻoe he helu ʻaiʻē maikaʻi ʻole, e loaʻa iā ʻoe me ka manuahi.
Loaʻa iā ʻoe nā helu uku 2 ma kēlā me kēia kālepa o Rs. 150 no ka swipes a me nā hana ʻē aʻe ma waho.
Ke hoʻolilo ʻoe ma ka pūnaewele, loaʻa iā ʻoe 4 mau uku uku no kēlā me kēia Rs. 150 lilo. Aia kahi bonus milestone o Rs. 500 E-voucher no ka lilo ʻana iā RS. 50,000 no ka hapaha.
Nā pōmaikaʻi o ka HDFC MoneyBack Card:
- ʻAʻole manuahi ka lālā o ka makahiki 1 (Waived on spending RS. 50,000 annually)
- ʻO ka ʻae ʻia no nā limahana uku
- Ke hōʻiliʻili ʻoe iā RS. ʻO 500 ka waiwai o nā helu uku, hoʻihoʻi koke ia i ke kālā i loaʻa i loko o ka waihona kāleka hōʻaiʻē.
ʻO wai ka mea e koho i ka HDFC MoneyBack Card:
He kāleka hōʻaiʻē kumu nui ia.
Eia naʻe, ʻaʻole hāʻawi ʻo HDFC i nā lawelawe hoʻomaikaʻi a i ʻole nā makana manuahi ma ke kāleka MoneyBack. ʻO ka mea pono e hoʻoponopono i kā lākou helu ʻaiʻē a makemake paha i kahi kāleka hōʻaiʻē manuahi ma ke ʻano he koho hoʻihoʻi hiki ke koho iā ia. E heluhelu i ka hōʻike piha ʻana o ka kāleka HDFC Moneyback maanei.
E hele i ka pūnaewele panakō HDFC & noi
5. Kāleka ʻaiʻē IndusInd Iconia Amex
ʻO IndusInd kekahi o nā panakō maikaʻi loa no ka poʻe hoihoi kāleka hōʻaiʻē.
Hana ʻia ke kāleka IndusInd Iconia no nā mea aloha i ka hopena pule. Inā makemake ʻoe e hele i waho no ka ʻaina ahiahi, nā kiʻiʻoniʻoni, a me nā pāʻina, pono ʻoe e nānā.
No kēlā me kēia RS. 100 āu e hoʻolilo ai, e loaʻa iā ʻoe nā helu 2 uku ma nā hopena pule a me 1.5 i nā lā pule.
Eia kahi mea āu e makemake ai:
ʻO ka waiwai o 1 wahi uku he Rs. 1. ʻO ia hoʻi, loaʻa iā ʻoe nā hōʻaiʻē kālā 500 i kēlā me kēia manawa āu e hoʻolilo ai iā RS. 10,000. He waiwai pupule kēlā.
Nā pōmaikaʻi o ke kāleka IndusInd Iconia:
- Nā kipa lumi hoʻomaha mokulele palena ʻole (ma ke kāleka AMEX wale nō)
- Nā pōʻai kolepa a me nā haʻawina
- 1+1 kiʻi kiʻiʻoniʻoni manuahi i kēlā me kēia mahina
- Nā lawelawe concierge
- Uku hoʻokahi manawa - ʻaʻohe uku makahiki
ʻO wai ka mea e koho i ka Indusind Iconia Card:
ʻO ka IndusInd Iconia kahi kāleka hōʻaiʻē kūpono no kēlā me kēia. ʻOiai loaʻa iā ia nā pōmaikaʻi nui no nā mea ʻai a me nā mea hoʻolimalima hopena pule, ʻo ka papahana uku i hāʻawi ʻia e ka waihona IndusInd kekahi o nā mea maikaʻi loa ma ka mākeke.
Loaʻa iā ia ka helu ʻae kūpono, akā pono ʻoe e loaʻa ka ʻae ʻia me ka helu ʻaiʻē maikaʻi a me nā palapala loaʻa kālā kūpono.
E hele i ka pūnaewele IndusInd Bank & noi
6. Kāleka ʻAiʻē Kaʻahele ʻAmelika Express Platinum
ʻO ka AMEX Platinum Travel Card kahi hui kūpono o nā hāʻawi kūʻokoʻa a me ka cashback no nā huakaʻi. He kāleka hōʻaiʻē kupaianaha ia e hāʻawi ana i nā pōmaikaʻi nui i ka poʻe hoihoi huakaʻi.
He kāleka hōʻaiʻē maikaʻi ia e hāʻawi i nā voucher kūʻokoʻa a me nā bonus milestone ma ka hoʻohana maʻalahi.
Loaʻa iā ʻoe 1 wahi uku ma kēlā me kēia Rs. 50 i hoʻolilo ʻia (koe i ka wahie a me ka uku pila). Hiki iā ʻoe ke hoʻohana i kēia mau helu uku no ke kūʻai ʻana ma ka pūnaewele, loaʻa nā palapala huakaʻi hele, a hoʻololi iā lākou i kāleka makana a me ka uku ʻana i nā bila.
Hāʻawi pū ʻo AMEX Platinum i nā pono milestone he nui e like me:
- ʻO nā palapala huakaʻi huakaʻi waiwai Rs. 9,440 ma ka lilo ʻana o Rs. 4 lakhs i ka makahiki
- E loaʻa iā 7,500 mau helu uku a me nā palapala huakaʻi e pono ai Rs. 5000 ma ka lilo ʻana o Rs. 1.90 lakhs i ka makahiki
- E kiʻi i kā Taj Experience E-Gift kāleka waiwai Rs. 10,000 ma ka lilo ʻana o Rs. 4 lakh
ʻO ka uku hui no kēia kāleka ʻo Rs 3500 a me Rs 5000 mai ka makahiki ʻelua ma mua.
Nā pōmaikaʻi o ka American Express Platinum Travel Card:
- ʻOi aku ka maikaʻi ma mua o nā kāleka ʻē aʻe
- ʻO nā helu uku keu i hoʻohālikelike ʻia i ka hoʻokūkū
- ʻO ke kuleana poho kāleka ʻole (inā hōʻike ʻia ma lalo o 3 mau lā)
- ʻO nā pōmaikaʻi nui a me nā makana kūʻokoʻa no nā huakaʻi
ʻO wai ka mea e koho i ka American Express Platinum Travel Card:
Inā hele nui ʻoe a ke ʻimi nei i kahi kāleka hōʻaiʻē huakaʻi premium, kūpono ka AMEZ Express Platinum iā ʻoe.
E hele i ka pūnaewele American Express & noi
7. Kāleka ʻaiʻē Titanium Waiwai Kūʻē Kūʻē Kūʻē
ʻO ka hope, he kāleka hōʻaiʻē e mālama i ke kālā ma nā hana o kēlā me kēia lā a uku iā ʻoe no ka hoʻolilo kālā ma nā pono hana a me ka wahie.
ʻO ka SC Super Value Titanium kahi kāleka hōʻaiʻē e nānā i nā pahu a pau no ka mea kūʻai maʻamau e makemake e mālama i ke kālā ma nā kumukūʻai koʻikoʻi e like me nā pili home a me ka wahie.
Loaʻa iā ʻoe 1 wahi uku no kēlā me kēia Rs. 105 lilo. A laila, loaʻa iā ʻoe he 5% cashback ma nā bila wahie no kēlā me kēia kālepa inā ʻaʻole ia ma mua o Rs. 2000.
Loaʻa he 5% cashback ma nā bila kelepona a me nā bila pono.
Nā pōmaikaʻi o ke Kāleka Titanium Waiwai Kūlana Kūlana Kūlana Kūlana:
- ʻO kekahi o nā kāleka hōʻaiʻē manuahi e hāʻawi i ka cashback ma nā hoʻohana pono a ʻo kekahi o nā mea kiʻekiʻe loa me 5%.
- ʻO ka hui haʻahaʻa a me ka manaʻo makahiki o Rs. 750 (waiho ʻia ma ka hoʻolilo ʻana iā Rs. 90,000 i kēlā me kēia makahiki)
- ʻAe maʻalahi no ka poʻe hana ponoʻī
ʻO wai ka mea e koho i ke kāleka hōʻaiʻē Titanium Super Value Standard Chartered:
ʻO ka mea makemake e loaʻa i kahi kāleka hōʻaiʻē haʻahaʻa a makemake e mālama i ke kālā no nā bila koʻikoʻi a me ka wahie, pono e koho i ka SC Super Value Titanium Card. E heluhelu i ka loiloi piha o ke kāleka Standard Chartered Super Value maanei.
E hele i ka punaewele Standard Chartered & noi
Panina
ʻO ke kāleka hōʻaiʻē maikaʻi loa no ʻoe ʻo ia ka mea e kūpono i kāu mau pono a me nā maʻamau. Nui nā koho a me kahi kāleka kūikawā no kēlā me kēia.
Ua ʻike wale ʻoe i kekahi o nā kāleka hōʻaiʻē maikaʻi loa ma ka mākeke. Hāʻawi kēlā me kēia kāleka i kahi makana kūikawā a me ka pōmaikaʻi no kekahi ʻano mea hoʻohana. E koho i ka mea āu e manaʻo ai e kūpono i kou nohona.
ʻOiaʻiʻo, mālama i kāu helu ʻaiʻē kiʻekiʻe no ka wikiwiki a hōʻoia i ka ʻae ʻia mai nā panakō nui.
Nā nīnau? He kāleka hou āu e manaʻo ai? Manaʻo ma lalo.
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