Nthawi zonse tikamalankhula za mabanki apadera ku India, HDFC Bank ndi dzina lomwe limabwera patsogolo.
Ndi chithandizo chamakasitomala padziko lonse lapansi, HDFC yapanga njira yopezera chidaliro cha dziko lomwe lakhudzidwa kwambiri ndi mabanki aboma monga State Bank of India ndi Punjab National Bank.
Yophatikizidwa mu 1994, HDFC idapeza makasitomala ku India pothandizira gawo lapamwamba la dzikolo ndi zosowa zake zamabanki.
Komabe, bankiyo yayamba pang'onopang'ono kulowa mumsika wapakati kudzera muzosunga zake ndi zosankha zaposachedwa zaakaunti, ndipo koposa zonse, kudzera munjira zake. ngongole zipangizo. Khadi limodzi laukadaulo loperekedwa kuchokera ku HDFC ndi MoneyBack Credit Card.
Tonse tikudziwa kutengeka kwa mabanki okhala ndi masukulu angongole pankhani yopereka makhadi, sichoncho?
Koma HDFC ikuwoneka kuti yasanthula msika bwino lomwe ndipo idaganiza zobwera ndi khadi lomwe silimakhudzidwa ndi ngongole. M'malo mwake zimagogomezera momwe munthu amapezera ndalama.
Izi zapangitsa kuti HDFC MoneyBack Credit Card ilowe mu chiŵerengero chachikulu cha anthu aku India omwe angoyamba kumene kukulitsa ngongole zawo.
Onjezanipo chindapusa chochepa chapachaka chokonzekera ndi Mphotho ku Cashback, ndipo muli ndi 'mtengo wamtengo wapatali wa kirediti kadi' wopangidwira Gen Z komanso kuchuluka kwa zaka chikwi.
Ngongole ndi chizindikiro cha kukhulupirika kwa munthu ngati wogula komanso wobweza ngongole. Kudalirika kwanu monga wogula kumakhazikika pa kuchuluka kwa maakaunti azandalama omwe muli nawo, momwe mumawonongera ndalama, kaya ngongole zanu zalipidwa pa nthawi yake, kutenga ngongole ndi mbiri yobweza ngongole, ndi zinthu zina zotere zomwe zimatsimikizira thanzi la kasamalidwe ka ngongole. Makhalidwe a ngongole ali pakati pa 300-850. Pamwamba, ndi bwino. |
Pali zinthu zambiri zofunika kwambiri pa khadili, ndipo tisanapereke chigamulo chathu pa mfundo yofunika kwambiri ya khadili, tiyeni tione ubwino, zinthu, ndiponso malipiro a khadili.
Ubwino wa HDFC MoneyBack Credit Card
KULANDIRA BWINO
500 Cash Points, malinga ndi kulipiridwa kwa chindapusa.
FUEL SURCHARGE PHINDULO
1% yochotsera mafuta owonjezera pamtengo wotsika wa Rs. 400 m'malo onse opangira mafuta ku India.
Kubweza ndalama kochuluka pa sitetimenti iliyonse ndi Rs. 250.
PHINDU LA MILESTONE
Malipiro a umembala woyamba kapena chaka choyamba ndi Rs. 500 imachotsedwa pamtengo wotsika wa Rs. 20,000 m'miyezi itatu yoyamba mutatsegula makadi.
Kuyambira chaka cha 2 kupita mtsogolo, ndalama zochepa zowononga ma Rs. 50,000 imatsimikizira kuti chiwongola dzanja chanu chapachaka chatsopano cha Rs. 500 amachotsedwa.
Kugwiritsa ntchito kotala kocheperako kuma Rs. 50,000 imakupatsirani Rs. Ma voucha amphatso 500 kotala lililonse. Izi zikupanga ndalama zokwana Rs. Ma voucha amphatso amtengo wapatali 2000 omwe mutha kupeza chaka chimodzi.
MABWINO ENA
- Mutha kuchotsa ndalama ku ATM pogwiritsa ntchito kirediti kadi yanu ya HDFC Moneyback, yomwe imadziwika kuti Revolving Credit, malinga ndi malire a kirediti kadi yanu. Nthawi zambiri imakhala 40% ya malire a khadi ndipo pamakhala chiwongola dzanja cha 3.6% pamwezi kapena 43.2% pachaka. Chiwongola dzanja chatsopano chiyamba kuyambira Seputembara 2020.
- Mutha kuchotsera mpaka 40% kapena kuchotsera pa malo odyera oyambira (m'mizinda yosankhidwa) pansi pa HDFC Good Food Trail Dining Programme.
- Mukataya kirediti kadi mwangozi, ndikukanena nthawi yomweyo ku malo oyimbira foni a HDFC, palibe mlandu pazachinyengo zilizonse.
- Pali nthawi ya masiku 50 yopanda chiwongola dzanja pa HDFC MoneyBack Credit Card. Nthawi yopanda chiwongola dzanja imayamba kuyambira tsiku lomwe mwagula.
- Mutha kusinthanso kugula kwanu kwakukulu kukhala magawo pamwezi pogwiritsa ntchito njira ya Smart EMI. Chiwongola dzanja cha Smart EMI ndi 1% ya ndalama zogulira kapena Rs. 350 (kupatula msonkho), chilichonse chomwe chili chokwera.
Kutchula Kwapadera: Malipiro Osalumikizana (omwe akupezeka pamakhadi okhala ndi logo yosalumikizana nawo)
Khadi la Ngongole la HDFC limathandizira kulipirira popanda kulumikizana kwa makasitomala omwe asankhidwa akapempha kuti agulitse mpaka ma Rs. 1999 pa nthawi. Khadi lopanda kulumikizana lingagwiritsidwe ntchito kumalo ogulitsira omwe ali ndi mwayi wolipira. Zachidziwikire kuphatikiza nthawi ya COVID.
Zopindulitsa
Mapangidwe a Rewards point a HDFC MoneyBack Credit Card ndiwosavuta, komanso owongoka. Ili ndi zopatula zochepa zokha.
Mphotho za 2X
Mukawononga ndalama pa intaneti, mumalandira mphotho 2X kapena 4 mphotho iliyonse pa Rs. 150 zogwiritsidwa ntchito.
1X Mphotho Point
Mumapeza mphotho 1X kapena mapointi 2 pa Rs iliyonse. 150 yogwiritsidwa ntchito popanda intaneti.
Mphotho zolipira ndizovomerezeka kwa zaka 2 kuyambira tsiku lodzikundikira. Ndikoyenera kugwiritsa ntchito mfundo zolipira mkati mwa zaka ziwiri.
Mphotho ikhoza kuwomboledwa pa:
- Ndemanga ya mwezi uliwonse pamlingo wa 20 paise pamlingo wa mphotho iliyonse. Mphotho zomwe zasonkhanitsidwa ziyenera kukhala 2500 RP pakuwombola mawu pamwezi.
- Kusungitsa ndege ndi hotelo. Mlingo wowombola mphotho ndi 1 Mphotho = 25 paise kapena 100 Mphotho mfundo = Rs. 25 pakusungitsa ndege ndi hotelo.
Cashback equation
Mphotho za 100 ndizofanana ndi Rs. 20 ie 1 Reward Point ndi yamtengo wapatali pa 20 paise.
Pakusungitsa Mahotelo ndi Ndege, mtengo wa Mphotho ndi wapamwamba kwambiri - Mphotho imodzi ya Mphotho ikufanana ndi 1 paise kapena 25 Mphotho yofanana ndi Rs. 100.
Cashback VS Mphotho
Khadi la Ngongole la Mphotho ndi imodzi yomwe mfundo kapena mphotho zomwe mumapeza zitha kusonkhanitsidwa ndikugwiritsidwa ntchito kuwombola zinthu kuchokera ku Gulu la Mphotho. Khadi la Ngongole la Mphotho nthawi zambiri limakhala ndi mtengo wa Mphotho kuposa makadi a Cashback. Cashback Credit Card imapereka ndalama zowomboledwa poyerekeza ndi zomwe mwapeza pogula. Khadi la Ngongole la Cashback limakupatsani mwayi wosintha malinga ndi komwe mukufuna kugwiritsa ntchito mfundozo, kapena ngati mukufuna kuti zisinthidwe kuti mulipire chikalata chanu cha pamwezi. Miles Card Mtundu wina wotchuka ndi Miles Card komwe mumalipidwa ndi mailosi ogwiritsira ntchito pa khadi. Miles Credit Card ndiyoyenera kwambiri anthu owuluka pafupipafupi. |
Malipiro & Malipiro
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NDONDOMEKO YOJOINA
500 + misonkho
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NDONDOMEKO YA PACHAKA/KUKONZEKEZA
500, yochotsedwa pakugwiritsa ntchito pachaka kwa Rs. 50,000.
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MADZULO OTSATIRA ATM
5% ya ndalama zomwe zachotsedwa kapena ma Rs. 500, chilichonse chomwe chili chapamwamba.
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ONANI ZOLIMBIKITSA
25 pa mtengo wa chekeni mpaka Rs. 500.
Rs. 50 pa mtengo wa chekeni kuposa ma Rs. 5000. -
KUWERENGASO KHADI LOTAYEKA, KUBADWA KAPENA WOCHEDWA
Rs. 100.
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STATEMENT REREVAL CHARGE
10 pa mawu obwerezabwereza (kuyambira Seputembara 2020 kupita mtsogolo).
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MALIPIRO Ochedwa
Ndalama zolipirira mochedwa, tumizani masiku 50 opanda chiwongola dzanja ndi motere (kuyambira Seputembara 2020):
Statement Balance | Malipiro Ochedwa |
<Rs. 100 | Palibe malipiro |
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 |
Zoposa Rs. 50,000 | Rs. 1,300 |
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ZOPOSA MALIPIRO
5 % ya ndalama zomwe zaperekedwa kapena ma Rs. 500, chilichonse chomwe chili chapamwamba.
Ndalama Zopitilira Malire Kugwiritsa ntchito ndalama zambiri pa kirediti kadi kumafika mukapanga malonda kupyola malire anu angongole. Nenani, malire anu angongole ndi Rs. 50,000, koma ndalama zonse zomwe mumagwiritsa ntchito pakhadi pamayendedwe operekedwa pamwezi ndi Rs. 55,000. Izi zikutanthauza kuti muli ndi malire opitilira ma Rs. 5000, ndipo adzawonjezera chiwongola dzanja pamlingo wopitilira malire. Makhadi omwe sathandizira kutsika kwa malire opitilira malire angongole. |
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NDANI YA njanji
1% ya ndalama zomwe zachitikazo kuphatikiza msonkho.
Mukuyang'ana Khadi la Ngongole lomwe limapereka zabwino zambiri pakugula pa intaneti? Onani ndemanga ya SBI SimplyCLICK Credit Card. |
Kuyenerera kwa HDFC MoneyBack Credit Card
ZAKA
Zaka 21 - 60
NDALAMA ZA PACHAKA
pakuti Anthu olipidwa : 3 lakh pachaka kapena Rs. 25,000 pamwezi.
Kwa Odzilemba Ntchito / Mabizinesi: Rs. 6 lakh pachaka (monga pa Chikalata Chobwezera Msonkho Wopeza)
MALO AMAKHALA
Mizinda ya Metro ndi Matauni Okulirapo ndi matauni ndi omwe amakonda. Popeza banki ili ndi netiweki yayikulu m'mizinda 2,768 ku India konse, kirediti kadi ya MoneyBack ili ndi mwayi wofikirapo kuposa makhadi ena ambiri ochokera kubanki wamba.
KUTHENGA ENA
HDFC imakonda kwambiri omwe ali ndi akaunti ikafika popereka makhadi. Komanso, monga momwe tafotokozera poyambirira, HDFC MoneyBack Credit Card siinatchulidwe kwambiri ndi ngongole.
Chifukwa chake, ngakhale mutakhala kuti mulibe mbiri yochulukirapo yokhudzana ndi kukhala ndi kirediti kadi, mutha kulembetsabe khadilo mwachindunji pa HDFC. webusaiti.
Chigamulo chathu pa HDFC MoneyBack Credit Card
Tikupangira HDFC MoneyBack Credit Card ngati:
- Mukuganiza zodzipezera nokha kirediti kadi koyamba
- Simumakonda zikwangwani zamakalata aku banki ndipo mumakonda Cashback ikafika pakusunga ndalama zomwe mumawononga pa intaneti komanso osagwiritsa ntchito intaneti
- Musakhale ndi zosowa zapaulendo pafupipafupi
- Khalani ndi mafuta ochepa agalimoto pamwezi
- Mukufuna kukulitsa mphambu yanu yangongole kuti mutha kupeza khadi yokhala ndi zinthu zabwinoko.
Mukakwaniritsa zina kapena zina kapena zonse zomwe zatchulidwa pamwambapa, khadi iyi ingakuyenereni pachimake.
Tikudziwa kuti kuyenera kwa khadi kumasiyana kuchokera kwa munthu ndi munthu ngakhale ndi zaka zofanana, malo, ngakhale malipiro.
Chifukwa chake, musanaganize zopeza kirediti kadi, nthawi zonse ndi bwino kuyang'ana zomwe mukufuna pakhadi lanu, ndi magawo omwe mumawonongera omwe mukufuna kuti khadi lanu la ngongole lisamalire.
Siyani Mumakonda