Ndidalandira kirediti kadi yanga yoyamba (ICICI Platinum Reward) mu 2006 kudzera muakaunti yanga yamalipiro ndi ICICI Bank. Kuyambira pamenepo, chidwi changa ndi mphotho za kirediti kadi ndi mfundo zinayamba, zomwe zidanditsogolera kuti ndifufuze makhadi ena angongole.
Pa nthawi imene ndinkagwira ntchito ku USA, ndinakwanitsa kupeza ndalama zokwana madola 2500 polembetsa makhadi osiyanasiyana a ngongole. Chochitikachi chinalimbitsanso chiyamikiro changa cha mapindu ndi mphotho zoperekedwa ndi makhadi.
Nditayambitsa CashOverflow mu 2015, imodzi mwa nkhani zodziwika kwambiri pa nsanja zinali za hacks kirediti kadi.
Ndimagwiritsa ntchito ma hacks a kirediti kadi pogula zinthu mwaulemu, zogula zapaulendo, ngakhalenso malo ogona m'mahotela a nyenyezi zisanu.
Chaka chatha, ndinali ndi mwayi wopeza matikiti aulere aulere kudzera pa kirediti kadi.
Ndine wokondwa kugawana maupangiri ofunikira omwe atha kukupatsirani matikiti aulere opitilira 17 pachaka.
1. Makhadi Ofunika Kwambiri Okhala Ndi Mapindu Oyenda
Ndimakhala wodziwa zambiri za zosintha zaposachedwa pamakhadi angongole omwe amapereka mphotho yabwino kwambiri.
Ndikusaka mwachangu makhadi atsopano angongole omwe angandipindulitse ine ndi owerenga mabulogu anga.
Pakadali pano, cholinga changa ndikubwezeretsanso 10% kudzera mu mphotho zomwe ndimapeza pogwiritsa ntchito kirediti kadi. Chaka chatha, ndinalembetsa bwino kirediti kadi ya Axis Magnus ndi kirediti kadi ya Axis Vistara.
Mutha kusungitsa matikiti aulere amabizinesi pogwiritsa ntchito kuphatikiza kwa Axis Magnus ndi Axis Vistara Infinite makhadi.
2. Tikiti Yanga Yoyamba Yaulere Ya Bizinesi Yaulere
Makhadi ambiri a ngongole oyendayenda amapereka matikiti aulere apaulendo ngati bonasi yolembetsa. Ndinapeza tikiti yanga yoyamba ya kalasi yaulere yokhala ndi kirediti kadi ya Axis Vistara Infinite ngati bonasi yolembetsa. Tikitiyi inali yamtengo wapatali kuposa chindapusa chapachaka cha Rs 10,000.
Kumbali ina, kirediti kadi ya Axis Magnus imapereka chisankho pakati pa tikiti yanyumba yachuma kapena voucher ya Tata Cliq yamtengo wapatali Rs 10,000 ngati bonasi yolembetsa.
Ndidasankha voucha ya Tata Cliq popeza nthawi zambiri ndimagwiritsa ntchito njira zopulumutsira ndalama kusungitsa ndege zapanyumba zosakwana 10,000 rupees.
3. Konzani Ndalama Zogwiritsira Ntchito Makhadi Kuti Mugulitse Mabonasi Opambana
Mutha kukulitsa mtengo wamalipiro anu a kirediti kadi pomvetsetsa zofunikira zomwe zimagwirizanitsidwa ndi khadi lililonse ndikuzigwirizanitsa ndi zomwe mumawononga.
Mwachitsanzo, kirediti kadi ya Vistara imapereka matikiti 4 a kalasi yamabizinesi pakugwiritsa ntchito Rs 12 lakh pachaka.
Kumbali ina, kirediti kadi ya Axis Magnus imapereka 25,000 bonasi EDGE REWARDS mfundo mukamagwiritsa ntchito 1 lakh rupees pamwezi.
Kuti ndiwonetsetse kuti ndikuchitapo kanthu mosadukizadukiza, ndinatengera njira yoyendetsera ndalama zomwe ndimagwiritsa ntchito pamwezi.
Ndinalemba ndalama zanga zosakhazikika monga kuyendetsa galimoto, malipiro a inshuwalansi ya moyo, inshuwalansi zolipirira, kukonzanso inshuwaransi yagalimoto, zolipiritsa zamisonkho, ndi kugula zinthu zofunika kwambiri za nyumba yanga mkati mwa mwezi wake. Izi zimandipatsa kumveka bwino kwa ndalama zomwe ndidzagwiritse ntchito pogula zinthu zokhazikika kumayambiriro kwa mwezi.
Mwezi uliwonse, ndimagula ma voucha amphatso a Rs 20,000 kuchokera ku Amazon, Flipkart, Decathlon, ndi MakeMyTrip. Ndimapanga ndalama zina zonse pa kirediti kadi ya Magnus mpaka nditapeza ndalama zokwana Rs 1 lakh pamwezi.
Ndimagwiritsa ntchito kirediti kadi ya Axis Vistara Infinite pazowonongera zonse zomwe zatsala, kuwonetsetsa kuti ndakwaniritsa zochitika zapachaka za Vistara.
4. Gwiritsani Ntchito Transfer Partners Kuti Mupeze Mphotho Yambiri (mawu 300-400)
Ndinapeza matikiti 5 aulere a kalasi yamalonda-kuphatikiza bonasi yolembetsa ndikugunda zochitika zapachaka ndi kirediti kadi ya Vistara Infinite.
Ndidapeza kuthyolako pankhani yogwiritsa ntchito Magnus EDGE REWARDS Points. Nthawi zambiri, mukawombola mfundozi, mtengo wake umakhala pafupifupi 0.20 paisa pamfundo iliyonse.
Komabe, mutha kusamutsa mfundo za mphotho za EDGE kupita ku Club Vistara pamlingo wa 5:4, zomwe zikutanthauza kuti mutha kusintha mapointi 25,000 a EDGE kukhala mapointi 20,000 a kalabu ya Vistara.
Ndi ma point 20,000 a Vistara, mutha kusungitsa tikiti yamabizinesi apanyumba yamtengo wapatali wa Rs 14,000. Kuphatikiza apo, ma point a Vistara atha kugwiritsidwa ntchito posungitsa ndege zapadziko lonse lapansi.
Mwakukwaniritsa nthawi zonse zomwe zimawononga ndalama zokwana 1 lakh rupees pa kirediti kadi yanu ya Magnus, mutha kupeza matikiti 12 aulere amakalasi chaka chilichonse.
Mutha kugwiritsa ntchito kirediti kadi ya Magnus & Vistara kuti mupeze matikiti 17 aulere pamabizinesi osowa 24 pachaka.
Zikafika pakupeza mphotho yabwino kwambiri kuchokera ku kirediti kadi, ndikofunikira kuti mutero sankhani kirediti kadi yoyenera malingana ndi momwe mumawonongera ndalama. Ngati ndalama zomwe mumagwiritsa ntchito pa kirediti kadi ndizochepa, simungathe kusangalala ndi phindu lalikulu lomwe limabwera ndi makhadi a ngongole.
Kumbali ina, ngati ndalama zomwe mumawononga pachaka zama kirediti kadi zikupitilira 10 lakh rupees, mutha kupeza mphotho yabwino kwambiri malinga ndi mitengo yowonjezereka yamalipiro, zopindulitsa zapadera, komanso mwayi wopeza ntchito zolipirira ndi makhadi olipira.
Siyani Mumakonda