Chisankho changa chokonda makadi a kingongole ndi khadi yobweza ndalama m'malo mwa khadi la mphotho.
Mukamagwiritsa ntchito kirediti kadi yobweza ngongole kuti mulipire, mumapeza ndalama zamadzimadzi molunjika ku akaunti yanu ngati mphotho.
Mosiyana ndi mfundo zangongole, zomwe si ndalama zenizeni chifukwa simungathe kuzigwiritsa ntchito pa chilichonse chomwe mukufuna. Mutha kusintha mfundozo kukhala makuponi, ma voucha, kapena kugula china chake m'sitolo yothandizidwa, ndipo ndi momwemo.
Zomwe zili zondiletsa kwambiri. Makamaka ndikakhala ndi mwayi wopeza mphotho zandalama.
Nawa ma kirediti kadi 7 abwino kwambiri omwe amapereka mphotho zobweza ndalama ku India.
1. ICICI Sapphiro Credit Card
ICICI Sapphiro ndi kirediti kadi yomwe imakupatsirani malire apamwamba angongole ndi ma Payback owonjezera kutengera ngati mumawononga kudzera pa MasterCard kapena American Express khadi.
Ngati mugwiritsa ntchito MasterCard ndiye pazochitika zapakhomo (osachepera RS 100), mumapeza 2 zobweza ndi mfundo 4 zobwezera pazochita zapadziko lonse lapansi.
Ngati mugwiritsa ntchito AmericanExpress, mumapeza 4 payback points pa RS iliyonse. 100 yogwiritsidwa ntchito pazochitika zapakhomo ndi mfundo 6 pazochita zonse zapadziko lonse lapansi. Kupatula kugula mafuta.
Pankhani yopeza ndalama zobweza, ICICI Sapphiro ndiyokwera kwambiri momwe imakhalira pamsika pompano.
Mukhozanso kugwiritsa ntchito mfundo zobwezera kulipira ngongole yanu ya kirediti kadi. Malipiro aliwonse ndi ofunika Rs. 0.25, ndipo mutha kuwombola mfundo zanu zonse kukhala ndalama. Ndalama zowombola zimapita mwachindunji ku akaunti yanu ya kirediti kadi ya ICICI.
Omwe ali ndi makhadi a ICICI Sapphiro amalandira mapointi 2000 obwezera pa RS iliyonse. 100,000 yogwiritsidwa ntchito ndi mapointi 4000 pa RS iliyonse. 400,000 adagwiritsidwa ntchito.
Pali mphotho zandalama zowononga ndalama zilizonse zopitilira 5,00,000 pachaka.
Ubwino wa ICICI Sapphiro khadi:
- Malo 2 ochezera apadziko lonse lapansi kotala lililonse & magawo awiri aulere a spa pama eyapoti
- Malo ogona 4 apanyumba kotala lililonse
- Kupeza mipikisano yabwino ya gofu pamasewera apamwamba kwambiri padziko lonse lapansi
- Mphotho zandalama pakugwiritsa ntchito kuposa RS. 5,00,000 ndi 10,00,000 (zanyumba ndi zakunja)
Ndani ayenera kusankha ICICI Sapphiro khadi:
ICICI Sapphiro ndi kirediti kadi ya kirediti kadi yokhala ndi malire apamwamba, zopindulitsa zokhazokha, zomwe zikutanthauza kujowina kwakukulu komanso chindapusa chapachaka.
Ngati ndalama zomwe mumawononga pachaka zapitilira RS 600,000, ndiye kuti iyi ndiye kirediti kadi yabwino kwambiri yokhudzana ndi zotsatsa ndi ndalama zomwe mwasunga. Werengani ndemanga yonse ya ICICI Sapphiro Pano.
Pitani ku webusayiti ya ICICI Bank ndikulembetseni
2. Citibank Cash Back Card
Khadi la Citibank Cashback ndi khadi lodziwika bwino la kingongole, ndipo anthu amakonda kuligwiritsa ntchito pazochitika zatsiku ndi tsiku.
Ndi chimodzi mwazosavuta kupeza chivomerezo. Ngati ndinu wogwira ntchito yolipidwa, pali mwayi waukulu woti muvomerezedwe kulandira khadi yobweza ndalama ya Citibank ngakhale mutakhala ndi ngongole yocheperako.
Khadi la Citibank Cashback limapereka 0.5% yamtengo wapatali ngati kubweza ndalama. Pa 1,00,000 iliyonse yomwe imagwiritsidwa ntchito, mumapeza ndalama zokwana 500.
Mumapezanso ndalama zokwana 5% pakugula matikiti akanema komanso pakulipira zofunikira ndi mabilu.
Ndalama zobweza ndalama zimatumizidwa ku akaunti yanu ya kirediti kadi nthawi iliyonse mukapeza RS—500 pobweza ndalama.
Ubwino wa Citibank Cashback khadi:
- Mtengo wotsika wojowina - RS. 500 (Palibe chindapusa)
- Cashback auto credits
- Kuvomerezeka kosavuta - koyenera kwa oyamba kumene
Ndani ayenera kusankha Citibank Cashback khadi:
Khadi la Citibank Cashback ndilabwino kwa aliyense, koma oyamba kumene amatha kupindula kwambiri. Zolipiritsa zochepa zojowina, ngongole yobweza ngongole ndi kuvomereza kosavuta ndiye chifukwa chachikulu chomwe chimapangitsa kukhala chisankho chabwino.
Pitani ku tsamba la Citibank ndikulembetseni
3. ICICI Coral Credit Card
Khadi la ICICI Coral linali kirediti kadi yanga yoyamba.
Ndi kirediti kadi yotsika mtengo poyerekeza ndi ena omwe ali pamndandandawo. Khadi la ICICI Coral ndiloyenera kwambiri poyambira oyamba kumene.
Mumalandila mapointi 2 pa ma Rs aliwonse. 100 yogwiritsidwa ntchito. Kupatula kugula mafuta.
Pankhani yogula mafuta, mumapeza 1% yowonjezera yochotsedwa pamabizinesi omwe ali pansi pa RS. 5000.
Gawo labwino kwambiri ndikuti mutha kugwiritsa ntchito malo obweza kulipira ngongole yanu ya kirediti kadi ya ICICI.
Ubwino wa ICIC Coral khadi:
- Ndalama zapachaka - RS. 500 + GST. Ndalama zapachaka zimachotsedwa ngati muwononga Rs. 150,000 kapena kupitilira apo mu chaka.
- Kufikira ku VISA/MasterCard airport lounge kamodzi kotala lililonse.
- Kufikira kochezera njanji kamodzi kotala lililonse.
- Mphotho zandalama pakugwiritsa ntchito pachaka kuposa RS. 300,000.
Ndani ayenera kusankha ICICI Coral khadi:
ICICI Coral ndiyabwino kwambiri kwa ogula wamba omwe amagwiritsa ntchito kirediti kadi kuti awononge ndalama zomwe amawononga tsiku lililonse.
Ngati simukuyenda kwambiri ndipo mukulolera kusunga ndalama pamalipiro apachaka, iyi ndiye chisankho choyenera. Werengani ndemanga yonse ya ICICI Coral Pano.
Pitani ku webusayiti ya ICICI Bank ndikulembetseni
4. HDFC Bank MoneyBack Credit Card
Njira ina yabwino yamakhadi obweza ndalama imachokera kubanki ya HDFC - kirediti kadi ya MoneyBack.
Iyi ndi kirediti kadi yolowera. Khadi la HDFC MoneyBack ndi imodzi mwazosavuta kuvomerezedwa. Zomwe mukufunikira ndi akaunti yakubanki ya HDFC, ndipo ngati mulibe ngongole yabwino, mupeza yaulere.
Mumapeza mphotho 2 pakuchita kulikonse kwa Rs. 150 pa swipe ndi zochitika zina zapaintaneti.
Mukawononga intaneti, mumapeza mphotho 4 pa Rs iliyonse. 150 zogwiritsidwa ntchito. Pali bonasi yofunika kwambiri ya Rs. 500 E-voucher pakugwiritsa ntchito RS. 50,000 pa kotala.
Ubwino wa HDFC MoneyBack Card:
- Umembala wa chaka choyamba ndi waulere (Imasiya kugwiritsa ntchito RS. 1 pachaka)
- Chivomerezo chotsimikizika cha ogwira ntchito olipidwa
- Mukapeza RS. Mphotho yamtengo wapatali 500, imangowombola ndalama zomwe mwapeza mu akaunti ya kirediti kadi.
Ndani ayenera kusankha HDFC MoneyBack Khadi:
Ndi kirediti kadi yoyambira komanso yapamwamba kwambiri.
Komabe, HDFC sipereka chithandizo chilichonse chaulere kapena zinthu zaulere pa khadi la MoneyBack. Aliyense amene akufunika kukonza ngongole zawo kapena akufuna kirediti kadi yaulere ngati njira yosungira angasankhe. Werengani ndemanga yonse ya HDFC Moneyback khadi Pano.
Pitani ku webusayiti ya banki ya HDFC ndikulembetseni
5. IndusInd Iconia Amex Credit Card
IndusInd ndi imodzi mwamabanki abwino kwambiri okonda kirediti kadi.
Khadi la IndusInd Iconia limapangidwira okonda sabata. Ngati mukufuna kupita panja kukadya chakudya chamadzulo, makanema, ndi maphwando, muyenera kuwunika.
Kwa RS iliyonse. 100 yomwe mumawononga, mudzalandira mphotho 2 kumapeto kwa sabata ndi 1.5 mkati mwa sabata.
Nazi zomwe mungakonde:
Mtengo wa mphotho imodzi ndi Rs. 1. Zomwe zikutanthauza kuti mumapeza ndalama zokwana 1 nthawi iliyonse mukamagwiritsa ntchito RS. 500. Ndiwo mtengo wamisala.
Ubwino wa khadi la The IndusInd Iconia:
- Maulendo opanda malire pabwalo la ndege (Pokha pa AMEX khadi)
- Masewera a gofu ovomerezeka ndi maphunziro
- 1+1 matikiti amakanema aulere pamwezi
- Ntchito zamagalimoto
- Malipiro olowa nawo kamodzi - palibe malipiro apachaka
Ndani ayenera kusankha Indusind Iconia Card:
IndusInd Iconia ndi kirediti kadi yabwino kwa aliyense. Ngakhale ili ndi phindu lalikulu kwa odya & owononga kumapeto kwa sabata, dongosolo la mphotho loperekedwa ndi banki ya IndusInd ndi imodzi mwazabwino kwambiri pamsika.
Ili ndi chiwongola dzanja chochepa, koma muyenera kupeza chivomerezo chokhala ndi ngongole yabwino komanso zikalata zoyenera kulandira.
Pitani ku tsamba la IndusInd Bank ndikulembetseni
6. American Express Platinum Travel Credit Card
AMEX Platinum Travel Card ndi njira yabwino yophatikizira zotsatsa zapadera komanso kubweza ndalama kwa apaulendo. Ndi kirediti kadi yodabwitsa yomwe imapereka zabwino zambiri kwa okonda kuyenda.
Ndi kirediti kadi yomwe imapereka ma voucha apadera komanso mabonasi ofunikira mukamagwiritsa ntchito pang'ono.
Mumapeza mphotho imodzi pa ma Rs aliwonse. 1 yogwiritsidwa ntchito (kupatulapo mafuta ndi ndalama zolipirira). Mutha kugwiritsa ntchito mfundo za mphothozi kugula pa intaneti, kupeza ma voucha oyendayenda, ndikusintha kukhala makhadi amphatso komanso kulipira ngongole.
AMEX Platinamu imaperekanso zabwino zambiri monga:
- Ma voucha oyenda amtengo wa Rs. 9,440 pakugwiritsa ntchito Rs. 4 lakhs pa chaka
- Pezani mphotho 7,500 ndi ma voucha oyendayenda ofunika Rs. 5000 pakugwiritsa ntchito Rs. 1.90 lakhs pachaka
- Pezani khadi ya Taj Experience E-Gift yamtengo wapatali Rs. 10,000 pakugwiritsa ntchito Rs. 4 lakh
Malipiro olowa nawo khadili ndi Rs 3500 ndi Rs 5000 kuyambira chaka chachiwiri kupita m'tsogolo.
Ubwino wa American Express Platinum Travel Card:
- Zopindulitsa zowonjezera kuposa makhadi ena
- Mphotho yowonjezerapo poyerekeza ndi mpikisano
- Kutayika kwa Zero khadi (ngati zanenedwa pasanathe masiku atatu)
- Zopindulitsa zabwino komanso zotsatsa zapadera kwa apaulendo
Ndani ayenera kusankha American Express Platinum Travel Card:
Ngati mukuyenda kwambiri ndipo mukufunafuna kirediti kadi yoyendera, AMEZ Express Platinum ndiyabwino kwa inu.
Pitani ku tsamba la American Express ndikulembetseni
7. Standard Chartered Super Value Titanium Credit Card
Pomaliza, kirediti kadi yomwe imasunga ndalama pazochita zatsiku ndi tsiku ndikukupatsirani mphotho chifukwa chogwiritsa ntchito ndalama pazithandizo ndi mafuta.
SC Super Value Titanium ndi kirediti kadi imodzi yomwe imayang'ana mabokosi onse a wogula wamba amene akufuna kusunga ndalama pamtengo wofunikira monga mabilu akunyumba ndi mafuta.
Mumapeza mphotho imodzi pa ma Rs aliwonse. 1 yogwiritsidwa. Kenako mumalandira ndalama zokwana 105% pamabilu amafuta pazochitika zilizonse ngati sizikupitilira Rs. 5.
Pali kubweza 5% pamabilu onse amafoni ndi mabilu othandizira.
Ubwino wa Standard Chartered Super Value Titanium Card:
- Imodzi mwama kirediti kadi aulere obweza ndalama pazomwe zimagwiritsidwa ntchito komanso imodzi mwapamwamba kwambiri yokhala ndi 5%.
- Kujowina kochepa komanso kumva kwapachaka kwa Rs. 750 (kuchotsedwa pakugwiritsa ntchito Rs. 90,000 pachaka)
- Chivomerezo chosavuta kwa odzilemba ntchito
Ndani Ayenera Kusankha Standard Chartered Super Value Titanium Credit Card:
Aliyense amene akufuna kukhala ndi kirediti kadi yotsika mtengo ndipo akufuna kusunga ndalama pamabilu ndi mafuta ofunikira asankhe SC Super Value Titanium Card. Werengani ndemanga yonse ya khadi la Standard Chartered Super Value Pano.
Pitani patsamba la Standard Chartered ndikulembetseni
Kutsiliza
Khadi labwino kwambiri la kingongole kwa inu ndi lomwe likugwirizana ndi zomwe mumagwiritsa ntchito komanso zomwe mumakonda. Pali zosankha zosiyanasiyana komanso khadi lapadera la aliyense.
Mwangopezako ena mwama kirediti kadi abwino kwambiri pamsika. Iliyonse mwamakhadiwa imapereka mwayi wapadera komanso phindu kwa wogwiritsa ntchito. Sankhani yomwe mukuganiza kuti ikugwirizana ndi moyo wanu.
Zachidziwikire, sungani chiwongola dzanja chanu kuti mupeze mwachangu ndikutsimikizira zivomerezo kuchokera ku mabanki akulu.
Mafunso? Makadi aliwonse atsopano omwe mungafune kupereka? Ndemanga pansipa.
Siyani Mumakonda