I kēlā me kēia manawa a mākou e kamaʻilio ai i nā waihona pilikino ma India, ʻo HDFC Bank kahi inoa e hele mai i mua.
Me ka lawelawe mea kūʻai aku o ka honua, ua kūkulu ʻo HDFC i kona ala i ka loaʻa ʻana o ka hilinaʻi o kahi ʻāina i makaʻu ʻia me nā panakō aupuni e like me ka State Bank of India a me ka Punjab National Bank.
Hoʻohui ʻia i ka makahiki 1994, loaʻa i ka HDFC kahi waihona mea kūʻai aku ma India ma o ka lawelawe ʻana i ka ʻāpana elitist o ka ʻāina me kāna mau pono waihona kālā.
Eia naʻe, ua hele mālie ka panakō i ka mākeke waena ma o kāna mau waihona kālā a me nā koho o kēia manawa, a ʻoi aku ka mea nui, ma o kāna. uku kāleka nā mea hana. ʻO kekahi o ia mau kāleka hōʻano hou mai HDFC ʻo ia ka Kāleka ʻAiʻai MoneyBack.
ʻIke mākou a pau i ka nānā ʻana o nā panakō me nā helu ʻaiʻē i ka wā e hoʻopuka ai i nā kāleka hōʻaiʻē, ʻeā?
Akā, ua nānā maikaʻi ʻo HDFC i ka mākeke a ua hoʻoholo e hana i kahi kāleka i ʻike ʻole i ka helu ʻaiʻē. Hoʻoikaika ia i ka loaʻa kālā o kēlā me kēia kanaka.
ʻO kēia ka hopena i ka HDFC MoneyBack Credit Card e hoʻopili ana i ka heluna nui o ka millennial o India e hoʻomaka nei e ulu i kā lākou helu ʻaiʻē.
E hoʻohui iā ia i kahi uku mālama makahiki haʻahaʻa a me nā hiʻohiʻona Rewards to Cashback, a loaʻa iā ʻoe kahi 'gem of a credit card' i hana ʻia no Gen Z a me ka helu helu mileniuma.
ʻO ka helu ʻaiʻē he inoa ia o ka hilinaʻi o ke kanaka ma ke ʻano he mea kūʻai aku a me ka uku hōʻaiʻē. Hoʻokumu ʻia kou hilinaʻi ma ke ʻano he mea kūʻai aku ma ka helu o nā moʻolelo kālā āu i loaʻa ai, pehea ka maikaʻi o kāu hoʻolilo ʻana, inā paha e uku ʻia kāu mau bila i ka manawa, kāu lawe ʻaiʻē a me ka mōʻaukala uku hōʻaiʻē, a me nā mea ʻē aʻe e hoʻoholo ai i ke olakino o kāu mālama aie. Aia nā helu helu ʻaiʻē ma waena o 300-850. ʻO ke kiʻekiʻe, ʻoi aku ka maikaʻi. |
Nui nā hiʻohiʻona nui o kēia kāleka, a ma mua o ka hoʻoholo ʻana i ka helu makemake o kēia kāleka, e nānā kākou i nā pono, nā hiʻohiʻona, a me nā uku o kēia kāleka.
Nā pōmaikaʻi o ke kāleka hōʻaiʻē HDFC MoneyBack
ALOHA POMAIKAI
500 Cash Points, pili i ka uku ʻana i ka uku lālā.
POMAIKAI KUAI LAAHI
1% wahie surcharge waiver ma ka liʻiliʻi loa kālepa o Rs. 400 ma na wahi wahie a pau ma Inia.
ʻO ka kiʻekiʻe loa o ka hoʻihoʻi kālā i kēlā me kēia pōʻai ʻōlelo he Rs. 250.
POMAIKAI MILESTONE
ʻO ka uku lālā mua a i ʻole makahiki mua o Rs. Hoʻokuʻu ʻia ʻo 500 ma ka liʻiliʻi liʻiliʻi o Rs. 20,000 i nā mahina 3 mua ma hope o ka hoʻāla ʻana o ke kāleka.
Mai ka 2nd makahiki ma luna, ka palena iki o Rs. 50,000 e hōʻoia i kāu uku makahiki hou o Rs. Hoʻokuʻu ʻia ʻo 500.
ʻO kahi hoʻolimalima hapahā o ka liʻiliʻi Rs. 50,000 loaʻa iā ʻoe Rs. 500 makana makana i kēlā me kēia hapahā. ʻO ia ka huina o Rs. ʻO 2000 ka waiwai o nā makana makana hiki iā ʻoe ke loaʻa i hoʻokahi makahiki.
KUPLAI HOOPAU MEA
- Hiki iā ʻoe ke unuhi i ke kālā mai ka ATM me ka hoʻohana ʻana i kāu kāleka hōʻaiʻē HDFC Moneyback, i ʻike mau ʻia ʻo Revolving Credit, e like me ka palena aie o kāu kāleka. ʻO ka maʻamau ʻo 40% o ka palena ʻaiʻē o ke kāleka a aia ka uku paneʻe o 3.6% i kēlā me kēia mahina a i ʻole 43.2% i kēlā me kēia makahiki. Hoʻomaka ka uku paneʻe hou mai Kepakemapa 2020.
- Hiki iā ʻoe ke loaʻa i ka 40% a ʻoi aku paha nā uku hoʻemi ma nā hale ʻai nui (ma nā kūlanakauhale koho) ma lalo o ka HDFC Good Food Trail Dining Program.
- I ka nalo ʻana o kāu kāleka hōʻaiʻē, a me ka hōʻike koke ʻana iā ia i ke kikowaena kelepona HDFC, ʻaʻohe kuleana o nā hana hoʻopunipuni.
- He 50 mau lā ukupanee ma ka HDFC MoneyBack Credit Card. Hoʻomaka ka manawa ukupanee mai ka lā kūʻai.
- Hiki iā ʻoe ke hoʻololi i kāu mau kūʻai nui aʻe i loko o nā haʻawina mahina me ka hoʻohana ʻana i ke koho Smart EMI. ʻO ka uku panee Smart EMI he 1% o ka nui kūʻai a i ʻole Rs. 350 (koe ka ʻauhau), ʻo ka mea ʻoi aku ka kiʻekiʻe.
Manaʻo Kūikawā: Uku Hoʻokaʻaʻole (loaʻa ma nā kāleka me ka logo contactless ma luna o lākou)
Hāʻawi ka HDFC Credit Card i ka uku pili ʻole no nā mea kūʻai aku ma ke noi ʻana no nā kālepa a hiki i Rs. 1999 i ka manawa. Hiki ke hoʻohana ʻia ka mana hoʻopili ʻole o ke kāleka ma nā hale kūʻai kūʻai i hiki ke uku ʻole ʻia. ʻOiaʻiʻo kahi hoʻohui i nā manawa COVID.
Nā Leʻa Hoʻohanohano
He mea maʻalahi a maʻalahi hoʻi ka hoʻolālā helu Rewards o ka HDFC MoneyBack Credit Card. He liʻiliʻi wale nō kona hoʻokuʻu ʻia.
2X Makana Makana
Ma ka hoʻolimalima pūnaewele, loaʻa iā ʻoe nā helu uku 2X a i ʻole 4 mau helu uku ma kēlā me kēia Rs. 150 lilo.
1X Makana Makana
Loaʻa iā ʻoe nā helu uku 1X a i ʻole 2 mau uku uku ma kēlā me kēia Rs. Hoʻohana ʻia ʻo 150 ma waho.
Pono nā helu uku no 2 mau makahiki mai ka lā o ka hōʻiliʻili ʻana. Manaʻo ʻia e hoʻohana i nā helu uku i loko o 2 mau makahiki.
Hiki ke kūʻai ʻia nā helu uku no:
- ʻO ke koena hōʻike mahina ma kahi 20 paise no kēlā me kēia uku uku. ʻO 2500 RP nā helu uku i hōʻiliʻili ʻia no ka hoʻihoʻi ʻana i ka ʻōlelo o kēlā me kēia mahina.
- Hoʻopaʻa mokulele a me nā hōkele. ʻO ka uku pānaʻi uku he 1 uku = 25 paise a i ʻole 100 uku uku = Rs. 25 no ka hoʻopaʻa ʻana i ka mokulele a me ka hōkele.
Hoʻohālikelike cashback
Ua like ka 100 Reward Points me Rs. ʻO 20 ʻo ia hoʻi, ʻo 1 ka helu makana he 20 paise.
No nā hōkele a me nā mokulele, ʻoi aku ka kiʻekiʻe o ka waiwai o nā helu Reward - 1 helu uku e like me 25 paise a i ʻole 100 mau uku uku e like me Rs. 25.
Cashback VS makana
ʻO ke kāleka hōʻaiʻē Rewards kahi e hōʻiliʻili ai a hoʻohana ʻia nā helu a i ʻole nā uku āu e loaʻa ai no ke kūʻai ʻana i nā mea mai ka Rewards Catalogue. ʻOi aku ka nui o ka waiwai o ka Rewards Credit Card ma mua o nā kāleka Cashback. Hāʻawi ka Cashback Credit Card i ke kālā hiki ke kūʻai ʻia i nā helu i loaʻa ma nā kūʻai. Hāʻawi ka Cashback Credit Card i ka maʻalahi e pili ana i kahi āu e manaʻo ai e hoʻolilo i nā helu, a inā makemake ʻoe e hoʻoponopono iā lākou e uku i kāu ʻōlelo mahina. Kāleka Miles ʻO kekahi ʻano kaulana ʻo ka Miles Card kahi e uku ʻia ai ʻoe me nā mile no ka hoʻolilo ʻana i ke kāleka. He kūpono loa ka Miles Credit Card no ka lele pinepine. |
Uku & uku
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UKU HUI
500 + ʻauhau
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UKU MAKAHIKI/KA HOU HOU
500, hoʻokuʻu ʻia i ka hoʻolimalima makahiki o Rs. 50,000.
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NA UMI WIWIWAI ATM
5% o ka huina i unuhi ʻia a i ʻole Rs. 500, ʻoi aku ka nui.
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E HOIKE I NA UKU
25 no ka helu helu a hiki i Rs. 500.
Rs. 50 no ka helu helu ma luna o Rs. 5000. -
HOOLAHA HOU O KE KALA NALOWALE, AHUHUMU A POINO
Rs. 100.
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HOOLAHA HOI HOI
10 no kēlā me kēia ʻōlelo kino kope (mai Kepakemapa 2020 ma mua).
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NA UMI UKU lohi
ʻO nā uku uku hope, ma hope o 50 mau lā uku uku ʻole penei (e hoʻomaka ana i Kepakemapa 2020):
Kaulike Hōʻike | Uku Uku lohi |
< Rs. 100 | ʻAʻohe kuleana |
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 |
ʻOi aku ma mua o Rs. 50,000 | Rs. 1,300 |
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OI KA LIMIT UUKU
5% o ka nui o ka palena a i ʻole Rs. 500, ʻoi aku ka nui.
Uku palena palena Loaʻa ka palena o ka hoʻolilo kāleka hōʻaiʻē i ka wā e hana ai ʻoe i kahi kālepa ma mua o kāu palena aie. E ʻōlelo, ʻo kāu palena ʻaiʻē ʻo Rs. 50,000, akā ʻo kāu huina kālā ma ke kāleka no kahi pōʻai hōʻike mahina i hāʻawi ʻia ʻo Rs. 55,000. ʻO kēia ke ʻano he nui kāu palena o Rs. 5000, a e hoʻonui i ka uku panee ma ka nui o ka palena. ʻO nā kāleka ʻaʻole e hoʻomaʻamaʻa i ka palena palena ʻole e hōʻole i nā kālepa ma mua o ka palena aie. |
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UKU KAAAHA
1% o ka huina kālā me nā ʻauhau.
Ke ʻimi nei ʻoe i kahi kāleka hōʻaiʻē e hāʻawi i nā pōmaikaʻi nui ma ke kūʻai pūnaewele? E nānā i ka loiloi SBI SimplyCLICK Kāleka Kāleka. |
ʻO ke kūpono no ke kāleka hōʻaiʻē HDFC MoneyBack
KA MAKAHIKI
21 - 60 mau makahiki
LOAA MAKAHIKI
no ka mea, kanaka uku : 3 lakh i ka makahiki a i ʻole Rs. 25,000 ka loaʻa kālā o kēlā me kēia mahina.
No nā mea hana ponoʻī/ʻoihana: Rs. 6 lakh no ka makahiki (e like me ka palapala hoʻihoʻi ʻauhau kālā)
KAHI O KA NOHO
ʻOi ʻia nā kūlanakauhale ʻo Metro a me nā kūlanakauhale nui a me nā kaona. No ka loaʻa ʻana o kahi pūnaewele ākea o ka panakō ma 2,768 mau kūlanakauhale a puni ʻo India, ua ʻoi aku ka laulā o ke kāleka MoneyBack ma mua o nā kāleka ʻē aʻe mai nā panakō pilikino.
KUPONO EA
Hāʻawi ka HDFC i ka makemake i kāna poʻe paʻa moʻokāki i ka wā e hoʻopuka ai i nā kāleka hōʻaiʻē. Eia kekahi, e like me ka mea i ʻōlelo ʻia ma ka hoʻomaka, ʻaʻole kikoʻī kikoʻī ka helu ʻaiʻē HDFC MoneyBack.
No laila, inā ʻaʻohe ou moʻolelo hōʻaiʻē nui e pili ana i ka loaʻa ʻana o kahi kāleka hōʻaiʻē, hiki iā ʻoe ke noi no ke kāleka pololei ma ka HDFC paena.
ʻO kā mākou ʻōlelo hoʻoholo ma ke kāleka hōʻaiʻē HDFC MoneyBack
Paipai mākou i ka HDFC MoneyBack Credit Card inā ʻoe:
- Ke noʻonoʻo nei e kiʻi i kāleka hōʻaiʻē nou no ka manawa mua
- ʻAʻole makemake ʻoe i nā waihona waihona waihona kālā a makemake ʻoe iā Cashback i ka wā e loaʻa ai ka mālama kālā ma kāu hoʻolimalima pūnaewele a me waho.
- ʻAʻohe pono lele lele
- Loaʻa ka hoʻohana wahie kaʻa i kēlā me kēia mahina
- Makemake ʻoe e hoʻonui i kāu helu ʻaiʻē i hiki iā ʻoe ke kiʻi i kahi kāleka me nā hiʻohiʻona maikaʻi aʻe.
Inā hoʻokō ʻoe i kekahi a i ʻole a i ʻole nā kūlana āpau i helu ʻia ma luna nei, e kūpono kēia kāleka iā ʻoe i ke kumu.
Ua ʻike mākou he ʻokoʻa ke kūpono o ke kāleka mai kēlā me kēia kanaka me nā helu helu like o ka makahiki, wahi, a i ʻole ka uku uku.
No laila, ma mua o kou noʻonoʻo ʻana i ka loaʻa ʻana o kahi kāleka hōʻaiʻē, ʻoi aku ka maikaʻi o ka nānā ʻana me kāu mau kāleka kikoʻī e pono ai, a ʻo nā wahi āu e makemake ai e mālama i kāu kāleka hōʻaiʻē.
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