Zipangizo zamakono zikukula mofulumira kuposa kale lonse, ndipo mapulogalamu a ngongole a dziko sali osiyana.
Ndi zosankha zambiri pamsika, zimasokoneza posankha yabwino kwambiri kwa inu.
Ndatchula mapulogalamu abwino kwambiri angongole omwe mungagwiritse ntchito mukafuna.
Mndandandawu uli ndi zowunikira za mapulogalamu onsewa komanso mawonekedwe awo apamwamba komanso mavoti apulogalamu.
Chifukwa chake tiyeni tidumphire pamndandandawu ndikuwona pulogalamu yoyamba ya kirediti kadi ku India.
Uni Card
UniCard ikupanga mitu yaposachedwa ndi njira yake yotsatsa yolola ogwiritsa ntchito kugawa mabilu awo m'magawo atatu ndikulipira m'miyezi itatu ikubwerayi popanda mtengo wowonjezera. Imaperekanso zosankha za EMI kwa miyezi 6,9,12,18+.
Mothandizidwa ndi Visa, UniCard yalandiridwa pafupifupi 99% yamalo m'dziko lonselo. Mumalandiranso kirediti kadi nthawi yomweyo mukalembetsa pa pulogalamuyi mpaka nthawi yomwe khadi lanu lakuthupi lifika. Werengani ndemanga yathu yonse ya Uni Card.
Zochitika Pamwamba
- 1% kubweza pompopompo pakulipira ndalama zonse m'masiku 30
- Kubwezeredwa 100% ngati chindapusa chilichonse chikulipiridwa popanda kudziwa
- Tsekani khadi lanu ndikudina kamodzi pakagwa mwadzidzidzi
- 24 × 7 chithandizo chamakasitomala ndi chithandizo
- Ndalama zolipirira zero
- Mulingo wa App - 4.5 nyenyezi
Kagawo
Slice ndi pulogalamu ya ophunzira yokha yomwe imalola achinyamata mdziko muno kugwiritsa ntchito ngongole kulipira ngongole zawo.
Imapatsa ogwiritsa ntchito kugawa mabilu awo ndikulipira miyezi itatu popanda ndalama zowonjezera. Kupereka ndalama zokwana Rs.3 lakhs mu ngongole, Gawo limagwiritsidwa ntchito ndi ogwiritsa ntchito oposa 10 miliyoni mdziko muno.
Gawo limalolanso ogwiritsa ntchito omwe alibe CIBIL. Aliyense amene ali pamwamba pa 18 akhoza kugwiritsa ntchito mosavuta ndikuyamba kusangalala ndi ntchito zake.
Zochitika Pamwamba
- Kutsegula akaunti pasanathe maola 24
- Imapezeka pamapulatifomu ambiri akuluakulu a e-commerce ku India kuphatikiza Amazon, Flipkart, ndi Snap Deal.
- Kubweza pompopompo 2% ndi Slice super khadi
- Palibe chindapusa cha pachaka
- Mulingo wa pulogalamu-4.6 nyenyezi
OneCard
OneCard imapereka malipiro pompopompo kudzera mungongole yawo kenako ndikugawa ndalamazo m'ma EMI pamwezi malinga ndi momwe kasitomala amafunira.
Limaperekanso zitsulo ngongole mogwirizana ndi mabanki ena apamwamba kuphatikiza IDFC First Bank, South Indian Bank, SBM Bank, ndi Bank of Baroda Financial. Ogwiritsa ntchito amatha kukwera nthawi yomweyo ndikuyamba kugwiritsa ntchito mapindu a khadi.
OneCard imaperekanso mphotho zofikira 5x pamagawo awiri apamwamba a mbiri yanu ya ndalama. Mawonekedwe osavuta kugwiritsa ntchito amapereka zosintha zapanthawi yake ndipo amalola ogwiritsa ntchito kuyang'anira zonse zomwe amawononga.
Zochitika Pamwamba
- Yambitsani akaunti yanu yatsopano mkati mwa mphindi zosachepera 5 mosalekeza
- Gawani ndalama zanu mosavuta mu EMIs
- Landirani kirediti kadi yachitsulo yapamwamba kwambiri
- Sinthani ma EMI anu kudzera pa dashboard ya EMI popanda kuthandizidwa kapena kuthandizidwa
- Mphotho zapanthawi yake ndi zotsatsa
- Mulingo wa App - 4.3 nyenyezi
Paytm Credit Card
Imodzi mwa mapulogalamu oyambirira olipira digito m'dziko Paytm amapereka ngongole kwa ogwiritsa ntchito ndi mapindu ambiri. Paytm imapereka makhadi a kingongole omwe ali ndi mabanki osiyanasiyana monga SBI ndipo amapereka zambiri ndikubweza ndalama.
Khadi la ngongole limavomerezedwa m'dziko lonselo ndipo ndi limodzi mwamakhadi otchuka kwambiri, zomwe zimapangitsa kuti zikhale zosavuta kwambiri.
Makhadi a kingongole a Paytm amapereka kubweza kopanda 1% pazochitika zonse zomwe zachitika ndi makhadi awo. Zimathandiziranso kupanga chiwerengero cha CIBIL cha ogwiritsa ntchito ndi ngongole zake.
Zochitika Pamwamba
- 100% njira ya digito yolembera
- 5% kubweza ndalama ku Paytm Mall
- Yambani popanda chindapusa chilichonse
- Amalandilidwa m'malo opitilira 1 crore mdziko lonselo
- Mulingo wa App-4.6 nyenyezi
LazyPay
Lazypay, pulogalamu ina yotchuka yangongole mdziko muno imapereka kulipira pompopompo kudzera ku UPI. Mutha kulipira mabilu anu kudzera pangongole ndikubweza m'masiku 15 popanda chiwongola dzanja.
Lazypay imapereka ngongole zofikira Rs.5 lakhs kutengera zomwe wogwiritsa ntchito wapeza CIBIL. Imaperekanso zoperekedwa panthawi yake pamapulatifomu ena otchuka kuphatikiza Zomato, Swiggy, Rapido, Mcdonald's, ndi zina zambiri.
Mumapeza kirediti kadi komanso kuti mugwiritse ntchito pogula popanda intaneti. Ndipo gawo labwino kwambiri, kuvomereza kwawo kuli kokwera kwambiri pa 99%.
Zochitika Pamwamba
- KYC yachangu, yopanda mapepala mkati mwa mphindi
- Gwiritsani ntchito pulogalamu ya Lazypay kwaulere kwa moyo wanu wonse
- Palibe malipiro apachaka kapena zolipiritsa zobisika
- Mphotho zokopa komanso zobweza ndalama
- Pezani bonasi yolandiridwa
- Mulingo wa App - 4.4 nyenyezi
Wizi
Wizi imapatsa ogwiritsa ntchito ma kirediti kadi osiyanasiyana kuchokera kumabanki apamwamba mdziko muno. Sizimangothandiza kukonza kirediti kadi yatsopano, komanso zimathandizira pakuwongolera makhadi anu angongole omwe alipo ndi mawonekedwe ake osavuta kugwiritsa ntchito.
Ndi Wizi, mutha kulipira ngongole zanu mosavuta ndikuzigawa kukhala ma EMI monga momwe mungafune.
Zochitika Pamwamba
- Kuvomerezeka kwachangu panthawi yolembetsa
- Palibe mapepala omwe amafunikira mukamakwera
- Kuwonekera kwathunthu
- Imagwira ntchito ndi mabanki apamwamba mdziko muno kuphatikiza ICICI Bank, American Express, ndi zina zambiri.
- Lipirani mabilu, ma EMI, ndi zina zambiri kuchokera papulatifomu imodzi.
- Mulingo wa App - 4.3 nyenyezi
Bajaj Finserv Card
Bajaj Finserv imapereka ma kirediti kadi otengera mapulogalamu osiyanasiyana, ogwirizana ndi mabanki a RBL ndi DBS. Mutha kupita ku nsanja ndikulembetsa. Ngati mphambu yanu ya CIBIL ndi 750+, ndiye kuti mukhala oyenera kulandira kirediti kadi.
Mutha kusintha malipiro anu kukhala ma EMIs ngati ndalamazo zikupitilira Rs.2500.
Mutha kugwiritsanso ntchito khadiyo kulipira ngongole zanu pamapulatifomu osiyanasiyana.
Zochitika Pamwamba
- Chivomerezo cha Ngongole ya Instant pa chiwongola dzanja
- Zimaphatikizapo palibe zolipiritsa zobisika
- Palibe chiwongola dzanja pakuchotsa ndalama kwa masiku 50
- Pezani malo ogona 8 a Airport pakatha chaka
- Pezani kuchotsera 5% pompopompo polipira pang'ono pa sitolo iliyonse yothandizana nayo ya Bajaj Finserv.
- Mulingo wa App - 4.2 nyenyezi
Post Pe
Post Pe ndi pulogalamu ya Buy-now-pay-kenako ya BharatPe yomwe imalola ogwiritsa ntchito kupeza ma credits ndikuwagwiritsa ntchito m'malo osiyanasiyana. Mutha kubweza ndalamazo ndi chiwongola dzanja cha 0 pakadutsa masiku 30.
Imaperekanso ndalama zokwana Rs.10 lakhs kwa ogwiritsa ntchito potengera kuchuluka kwa CIBIL.
PostPe imapereka mawonekedwe ojambulira momwe ogwiritsa ntchito amatha kulipira nthawi yomweyo ndi ma QR code ndikubweza mu EMIs. Biliyo imapangidwa pa 1 mwezi uliwonse.
Ogwiritsanso ali ndi mwayi wogawanika mu 3/4/5/6 EMIs pamwezi.
Zochitika Pamwamba
- Gwiritsani ntchito khadi la Postpe pogula pa intaneti kapena popanda intaneti
- Lowani nthawi yomweyo kudzera pa WhatsApp
- Yang'anani ku pulogalamuyi ndikubweza ndalama zofikira 5%.
- Tumizani ndalama kwa omwe mumalumikizana nawo kapena akaunti yanu yakubanki popanda zovuta
- Ngongole yopanda chiwongola dzanja mpaka masiku 30
- Mulingo wa pulogalamu-4.1 nyenyezi
Aspire
Imodzi mwama kirediti kadi oyambilira aku India, Aspire imapereka ntchito zingapo komanso zopatsa kwa ogwiritsa ntchito. Gwiritsani ntchito khadi kulipira nthawi yomweyo pasitolo iliyonse. Mutha kugawanso malipiro anu mu magawo 4 pa chiwongola dzanja cha 0%.
Ingolowani mu pulogalamuyi ndi nambala yanu yam'manja yolumikizidwa ndi UPI ndikupeza malire anu angongole. Simufunika kirediti kirediti kadi kapena mphambu za CIBIL kuti mugwiritse ntchito pulogalamuyi.
Zochitika Pamwamba
- Kulembetsa kwa mphindi 5
- Sinthani akaunti yanu kwathunthu pafoni yanu
- Kulipitsidwa kumodzi ndi amalonda ambiri
- Palibe ndalama zolipirira
- Ndalama zolipirira pamwezi
IndMoney
IndMoney ikuyenera kuyambitsa ngongole yake, koma zolengeza zikumveka zolimbikitsa. Mutha kugula mosavuta Ma US kuchokera papulatifomu zomwe zimapangitsa kukhala chimodzi mwazoyimira pamndandandawu. Ndalama zothandizana, Digital golide, Masheya, inshuwaransi, ndi zina zambiri.
Pulogalamuyi imaperekanso tracker mtengo, ndalama zochokera ku AI, ndi zina zomwe zimapangitsa kuti zikhale zothandiza kwambiri. Mutha kugulanso ma IPO ku pulogalamuyi.
Chifukwa chomwe ndimafuna kuwonjezera INDmoney pamndandandawu ndi chifukwa cha IND Super Credit Card yawo yomwe ikubwera, mogwirizana ndi SBM Bank. Pakadali pano, mutha kulowa nawo pamndandanda wodikirira pokhazikitsa pulogalamu ya INDMoney.
Zochitika Pamwamba
- Pezani matani a ndalama zomwe mungasankhe pa pulogalamuyi
- Mawonekedwe ogwiritsa ntchito
- Tracker yotsika mtengo kuti musamalire ndalama zanu
- Imathandiza pakukonzekera Tax
- Mphotho zaulere pojowina
- Mulingo wa App - 4.4 nyenyezi
OlaMoney
Olamulira mu gawo lamayendedwe, OlaMoney yakhazikitsanso kirediti kadi ndi SBI. Mutha kugwiritsa ntchito nthawi yomweyo mautumikiwo polembetsa mwachangu. Khadi ikhoza kugwiritsidwa ntchito kulipira mabilu, kuchotsa ma EMIs, ndi zina zambiri.
Imaperekanso zopereka zosiyanasiyana zobwezera ndalama kwa ogwiritsa ntchito komanso kubweza 1% pazochitika zonse kupatula kutsitsa kwa e-wallet.
Zochitika Pamwamba
- Palibe malipiro ojowina
- Njira yosalala yokhazikika
- 7% kubweza ndalama pamakwerero onse a Ola
- Zolandila zolandilidwa zamtengo wa Rs.10,000
- Pezani 10% yokha kuchotsera posungitsa mahotelo ndi kuchotsera 5% pakusungitsa ndege
- Mulingo wa App - 2.6 nyenyezi
vCard
vCard imapereka chiwongola dzanja cha 0% pangongole kwa masiku 50. Ogwiritsa ntchito amatha kuwombola ngongole yawo nthawi yomweyo ndikuitumiza ku akaunti yawoyawo kapena kuigwiritsa ntchito kulipira wamalonda aliyense kapena anzawo.
vCard imaperekanso ntchito zopanda msoko ndi chithandizo chamakasitomala 24 × 7. Mutha kugwiritsanso ntchito pulogalamuyi kuti muyang'anenso ndalama zomwe mumalipira pa kirediti kadi.
Zochitika Pamwamba
- Kukhazikitsa kopanda zovuta ndi KYC yopanda mapepala
- Zotsatsa makonda komanso zapadera zochokera kwa amalonda
- Imathandizira kuwongolera kuchuluka kwangongole kwa ogwiritsa ntchito
- Kubweza nthawi yake ndi mphotho kwa ogwiritsa ntchito
- Mulingo wa App - 2.4 nyenyezi
Awa anali mapulogalamu apamwamba 12 a kirediti kadi ku India. Kusanja kumatengera kuchuluka kwa zinthu komanso ndemanga za mapulogalamu.
Kodi pulogalamu yanu ya kirediti kadi yomwe mumakonda ndi iti pogula zinthu?
Ndidziwitseni mu gawo la ndemanga.
Ujwal Bhai Sood
Ndimakonda mapulogalamu ngati Slice chifukwa amandipangitsa kukhala kosavuta kusamalira ndalama zanga. Nthawi zonse ndimadziwa kuti ndalama zanga ndi zotani komanso zomwe ndingagwiritse ntchito.
Ashish
Chonde dziwani kuti kugawa ndalama ku UNI, SLICE popanda chiwongola dzanja sikutheka, zinali zotheka kale. Monga positi iyi yasinthidwa posachedwa ndikufuna kumveketsa mfundo iyi. Palibe pulogalamu yomwe ndapeza mpaka pano yomwe ingasinthe ndalama mu No-cost EMI.
Koma zikomo chifukwa cha positi.
Vihit
Jupiter ndi abwino anyamata; m'njira iliyonse