Sarudzo yangu yandinofarira yemakadhi echikwereti ikadhi rekudzosera mari kwete remubairo kadhi.
Paunoshandisa cashback kadhi rechikwereti kubhadhara, iwe unowana mari yemvura yakananga kuaccount yako semubairo.
Kusiyana nemapoinzi echikwereti, ayo asiri mari chaiyo nekuti haugone kuishandisa pane chero chaunoda. Unogona kushandura mapoinzi kuita makuponi, mavhocha, kana kutenga chimwe chinhu kubva muchitoro chinotsigirwa, uye ndizvozvo.
Zvinova zvakanyanyondiomera. Kunyanya kana ndine sarudzo yekuwana mibairo yemari.
Heano 7 akanakisa makadhi echikwereti anopa mari yekudzosera mibairo muIndia.
1. ICICI Sapphiro Credit Card
Iyo ICICI Sapphiro ipremium kadhi rechikwereti rinokupa yakakwira kiredhiti muganho uye mamwe maPayback mapoinzi zvichienderana nekuti unopedza uchishandisa MasterCard kana American Express kadhi.
Kana ukashandisa MasterCard ipapo pakutengeserana kwemumba (pasi peRS 100), unowana 2 mapoinzi ekudzosera uye 4 mapoinzi ekubhadhara pane dzimwe nyika.
Kana iwe ukashandisa AmericanExpress, unowana 4 payback mapoinzi kune yega yega RS. 100 yakashandiswa pakutengeserana kwemumba uye 6 mapoinzi pane ese ekutengeserana kwenyika. Kunze kwekutenga mafuta.
Panyaya yekuwana mapoinzi ekubhadhara, ICICI Sapphiro yakakwira sezvainowana mumusika izvozvi.
Iwe unogona zvakare kushandisa mapoinzi ekubhadhara kubhadhara kadhi rako rechikwereti. Imwe neimwe payback point yakakosha maRs. 0.25, uye unogona kudzikinura mapoinzi ako ese kudzosera mumari. Mari yekuregererwa inoenda zvakananga kune yako ICICI kadhi rechikwereti.
ICICI Sapphiro vane makadhi vanowana mazana maviri ekubhadhara mapoinzi eRS yega yega. 2000 yakashandiswa uye 100,000 mapoinzi paRS yega yega. 4000 yakashandiswa.
Kune mibairo yemari yekushandisa chero mari inopfuura 5,00,000 pagore.
Mabhenefiti eICICI Sapphiro kadhi:
- 2 yepasi rese yekutandarira kuwana yega yega & 2 emahara spa masesheni panhandare dzendege
- 4 imba yekutandarira yekuwana kota yega yega
- Kuwanikwa kune anoyemurika gorofu kutenderera kune premier gorofu makosi pasirese
- Mari mibairo pakushandisa pamusoro peRS. 5,00,000 uye 10,00,000 (yemumba neyekunze)
Ndiani anofanira kusarudza iyo ICICI Sapphiro kadhi:
ICICI Sapphiro ndeye premium kadhi rechikwereti rine muganho wepamusoro, mabhenefiti akasarudzika, zvinoreva kujoinha kwakakwira uye mubhadharo wepagore.
Kana mashandisirwo ako epagore ari pamusoro peRS 600,000, saka iri ndiro rakanakisa kadhi rechikwereti maererano nezvipo zvakasarudzika uye kuchengetedza. Verenga iyo ICICI Sapphiro yakazara ongororo pano.
Enda kune ICICI Bank webhusaiti uye shandisa
2. Citibank Cash back Card
Citibank Cashback kadhi ikadhi rechikwereti rine mukurumbira, uye vanhu vanofarira kurishandisa pane zvemazuva ese.
Ndiyo zvakare imwe yeakareruka kuwana mvumo. Kana iwe uri mushandi anobhadharwa, pane mukana wakakura kwazvo wekuti ubvumidzwe kuwana kadhi reCitibank rekudzoserwa mari kana iwe uine paavhareji yechikwereti chechikwereti.
Citibank Cashback kadhi inopa flat 0.5% yemutengo wekutengesa semari yekudzosera. Pa1,00,000 yega yega inoshandiswa, unowana mazana mashanu emari yekudzoserwa.
Iwe zvakare unowana 5% imwe mari yekudzoserwa pakutenga tikiti remufirimu uye pakubhadhara kwezvekushandisa uye mabhiri.
Mari yekudzoserwa mari inoiswa otomatiki kuakaundi yako yekadhi rechikwereti pese paunounganidza RS—500 mukudzoserwa mari.
Mabhenefiti eCitibank Cashback kadhi:
- Mari yekujoinha yakaderera - RS. 500 (Hapana mubhadharo waiver)
- Cashback auto kiredhiti
- Mvumo iri nyore - yakanakira vanotanga
Ndiani anofanira kusarudza Citibank Cashback kadhi:
Citibank Cashback kadhi yakanakira chero munhu, asi vanotanga vanogona kubatsirwa zvakanyanya. Mari yekujoinha yakaderera, auto cashback-kiredhiti uye kubvumidzwa kuri nyore ndicho chikonzero chakakosha chinoita kuti ive sarudzo yakanaka.
Enda kuCitibank webhusaiti uye shandisa
3. ICICI Coral Credit Card
ICICI Coral kadhi raive kadhi rangu rechikwereti rekutanga.
Ikadhi rechikwereti risingadhure zvichienzaniswa nemamwe ari pachirongwa. Iyo ICICI Coral kadhi inokodzera zvakakwana kutanga kune vanotanga.
Iwe unowana maviri ekubhadhara mapoinzi paRs yega yega. 2 yakashandiswa. Kunze kwekutenga mafuta.
Kana iri yekutenga mafuta, unowana 1% yekuwedzera yabviswa pakutengeserana pazasi peRS. 5000.
Chikamu chakanakisa ndechekuti iwe unogona kushandisa yekubhadhara mapoinzi kubhadhara yako ICICI kadhi rechikwereti.
Mabhenefiti eICIC Coral kadhi:
- Mari yegore - RS. 500 + GST. Mari yegore inobviswa kana ukashandisa Rs. 150,000 kana kupfuura mugore.
- Kuwana VISA/MasterCard airport lounge kamwe kota yega.
- Kuwanikwa kune njanji lounge kamwe kota yega yega.
- Mari mibairo pakushandisa kwepagore kwepamusoro peRS. 300,000.
Ndiani anofanira kusarudza iyo ICICI Coral kadhi:
ICICI Coral yakanakira vatengi vanoshandisa kadhi rechikwereti kushandisa mari pazvinhu zvemazuva ese.
Kana iwe usingafambi zvakanyanya uye uchida kuchengetedza mari pamari yegore negore, iyi ndiyo sarudzo yakarurama. Verenga iyo yakazara ICICI Coral ongororo pano.
Enda kune ICICI Bank webhusaiti uye shandisa
4. HDFC Bank MoneyBack Credit Card
Imwe sarudzo yakanaka yekudzosera mari inobva kubhangi reHDFC - iyo MoneyBack kadhi rechikwereti.
Iri idanho rekupinda kadhi rechikwereti. HDFC MoneyBack kadhi ndeimwe yeakareruka kubvumidzwa. Chaunongoda iHDFC account account, uye kana usina kiredhiti yakashata, uchaiwana mahara.
Iwe unowana 2 mibairo mapoinzi pane yega yega transaction yeRs. 150 ye swipes uye zvimwe zvekutengesa zvisiri pamhepo.
Paunoshandisa online, iwe unowana 4 mibairo mapoinzi paRs yega yega. 150 yakashandiswa. Pane bhonasi yakakosha yeRs. 500 E-voucher pakushandisa RS. 50,000 pakota.
Mabhenefiti eHDFC MoneyBack Card:
- Kuve nhengo yegore 1 mahara (Yakaregererwa pakushandisa RS. 50,000 pagore)
- Mvumo yakavimbiswa yevashandi vanobhadharwa
- Kana ukangounganidza RS. 500 inokosha yemapoinzi emubairo, inongodzikinura yawana mari muaccount kadhi rechikwereti.
Ndiani anofanira kusarudza HDFC MoneyBack Card:
Iyo yekupinda-chikamu uye super basic kadhi rechikwereti.
Zvakadaro, HDFC haipe chero masevhisi anoyemurika kana zvemahara paMoneyBack kadhi. Chero ani zvake anoda kugadzirisa kiredhiti yavo mamakisi kana anoda yemahara kadhi rechikwereti senzira yekuchengetedza anogona kuisarudza. Verenga HDFC Moneyback kadhi ongororo yakazara pano.
Enda kune HDFC bank webhusaiti uye shandisa
5. IndusInd Iconia Amex Chikwereti Kadhi
IndusInd nderimwe remabhangi akanakisa evanofarira kadhi rechikwereti.
Iyo IndusInd Iconia kadhi inogadzirirwa vadi vevhiki. Kana iwe uchida kuenda kunze kunodya, mabhaisikopo, nemapati, iwe unofanirwa kuzviongorora.
Pamusoro peRS yega yega. 100 yaunoshandisa, iwe uchawana 2 mibairo mapoinzi pakupera kwevhiki uye 1.5 mukati mevhiki.
Hechino chimwe chinhu chaunoda:
Iko kukosha kwe1 mubairo poindi iRs. 1. Zvinoreva kuti unowana 500 cash credits pese paunoshandisa RS. 10,000. Ndiko kukosha kwekupenga.
Zvakanakira The IndusInd Iconia kadhi:
- Unlimited airport lounge kushanya (Chete pa AMEX kadhi)
- Complimentary gorofu kutenderera uye zvidzidzo
- 1+1 emahara mafirimu matikiti pamwedzi
- Concierge services
- Imwe-nguva yekujoinha mari - hapana mari yegore
Ndiani anofanira kusarudza Indusind Iconia Kadhi:
Iyo IndusInd Iconia ikadhi rechikwereti rakakwana kune chero munhu. Kunyangwe iine mabhenefiti makuru evanodya & ekupera kwevhiki vanopedza mari, chirongwa chemubairo chinopihwa neIndusInd bank ndeimwe yeakanakisa mumusika.
Iyo ine mwero wemvumo wepakati, asi iwe unofanirwa kuwana mvumo ine yakanaka kiredhiti mamakisi uye magwaro emari emari.
Enda kuIndusInd Bank webhusaiti uye shandisa
6. American Express Platinum Travel Credit Card
Iyo AMEX Platinamu Yekufamba Kadhi isanganiswa yakanaka yezvipo zvakasarudzika uye mari yekudzosera kune vafambi. Iyo inoshamisa kadhi rechikwereti rinopa mabhenefiti makuru kune vanofarira kufamba.
Ikadhi rechikwereti rekutanga rinopa mavhocha ega uye mabhonasi epamusoro pakushandisa zvine mwero.
Iwe unowana 1 mubairo poindi paRs yega yega. 50 yakashandiswa (kunze kwemafuta uye kubhadhara mabhiri). Unogona kushandisa aya mapoinzi emubairo kutenga online, tora mavhocha ekufambisa, uye woashandura kuita makadhi ezvipo pamwe nekubhadhara mabhiri.
AMEX Platinum inopawo akawanda mabhenefiti akadai se:
- Mavhocha ekufambisa anokosha Rs. 9,440 pakushandisa Rs. 4 lakhs pagore
- Tora 7,500 mibairo mapoinzi uye mavhocha ekufamba anokosha maRs. 5000 pakushandisa Rs. 1.90 lakhs pagore
- Tora Taj Zvakaitika E-Chipo kadhi rinokosha Rs. 10,000 pakushandisa Rs. 4 lakhs
Mari yejoining yekadhi iri iRs 3500 neRs 5000 kubva mugore rechipiri zvichienda mberi.
Zvakanakira zveAmerican Express Platinum Travel Card:
- Mabhenefiti akawedzerwa kupfuura mamwe makadhi
- Kuwedzera mibairo mapoinzi zvichienzaniswa nemakwikwi
- Zero kadhi kurasikirwa mutoro (kana yakataurwa pasi pemazuva matatu)
- Makomborero makuru uye zvinopihwa zvakasarudzika zvevafambi
Ndiani anofanira kusarudza American Express Platinum Travel Card:
Kana iwe ukafamba kwakawanda uye uchitsvaga premium yekufambisa kadhi rechikwereti, iyo AMEZ Express Platinum yakakunakira iwe.
Enda kuAmerican Express webhusaiti uye shandisa
7. Standard Chartered Super Value Titanium Credit Card
Chekupedzisira, kadhi rechikwereti rinochengetedza mari pane zvemazuva ese zvekutengesa uye rinokupa mubairo wekushandisa mari pazvinhu zvekushandisa nemafuta.
Iyo SC Super Value Titanium kadhi rechikwereti rinotarisa mabhokisi ese emutengi wepakati anoda kuchengetedza mari pamitengo yakakosha senge mabhiri emba nemafuta.
Iwe unowana 1 mubairo poindi yeRs yega yega. 105 yakashandiswa. Wobva wawana 5% yekudzoserwa mari pamabhiri emafuta pakutengeserana kana isingapfuure maRs. 2000.
Pane 5% yekudzoserwa mari pamabhiri ese efoni uye mabhiri ekushandisa.
Mabhenefiti eStandard Chartered Super Value Titanium Card:
- Imwe yemahara makadhi echikwereti ekupa mari yekudzosera pane zvinoshandiswa zvinoshandiswa uye imwe yepamusoro iine 5%.
- Kubatana kwakaderera uye kunzwa kwepagore kweRs. 750 (yakabviswa pakushandisa Rs. 90,000 pagore)
- Mvumo iri nyore kune vanozvishandira
Ndiani Anofanira Kusarudza Standard Chartered Super Value Titanium Credit Card:
Chero ani zvake anoda kuve nekadhi rechikwereti risingadhure uye anoda kuchengetedza mari pamabhiri akakosha nemafuta anofanira kusarudza SC Super Value Titanium Card. Verenga iyo Standard Chartered Super Value kadhi ongororo yakazara pano.
Enda kune Standard Chartered webhusaiti uye shandisa
mhedziso
Kadhi rechikwereti rakanakisa kwauri ndiro rinoenderana nezvinodiwa nemashandisiro ako & maitiro. Kune akasiyana sarudzo uye kadhi rakasiyana remunhu wese.
Iwe uchangobva kuwana mamwe emakadhi echikwereti epamusoro pamusika. Imwe neimwe yemakadhi aya inopa yakakosha kupihwa uye kubatsirwa kune imwe mhando yemushandisi. Sarudza yaunofunga kuti inoenderana nemararamiro ako.
Ehe, chengetedza chikwereti chako chakakwira kuti uwane nekukurumidza uye uvimbise mvumo kubva kumabhangi makuru.
Mibvunzo? Pane makadhi matsva aungade kupa zano? Comment pazasi.
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