Mar kasta oo aan ka hadalno bangiyada gaarka loo leeyahay ee Hindiya, HDFC Bank waa hal magac oo soo gala safka hore.
Adeegga macaamiisha heer caalami, HDFC waxay dhistay waddadii ay ku heli lahayd kalsoonida waddan ay ku mashquuleen bangiyada qaybta dadweynaha sida Bangiga Dawladda Hindiya iyo Bangiga Qaranka ee Punjab.
Lagu daray 1994, HDFC waxay ku heshay saldhig macaamiil gudaha Hindiya iyada oo u adeegaysa qaybta elitist ee dalka baahideeda bangiyada qaaliga ah.
Si kastaba ha ahaatee, bangigu si tartiib tartiib ah ayuu u soo galay suuqa dhexe isaga oo u maraya kaydkiisa iyo fursadaha xisaabaadka hadda, iyo ka sii muhiimsan, iyada oo loo marayo credit card xarumaha. Mid ka mid ah kaadhka cusub ee laga helo HDFC waa kaarka deynta MoneyBack.
Dhammaanteen waan ognahay dareenka bangiyada ee dhibcaha credit marka ay timaado bixinta kaararka deynta, sax?
Laakiin HDFC waxay u muuqataa inay si fiican u baadhisay suuqa oo ay go'aansatay inay la timaado kaar aan ku mashquulin dhibcaha credit. Waxay ku nuuxnuuxsatay awoodda dakhliga ee qofka.
Tani waxay keentay in HDFC MoneyBack Credit Card ay gasho dadka kun sano ee Hindiya ee hadda bilaabay inay koraan buundooyinkooda credit.
Ku dar kharashka dayactirka sanadlaha ah oo hooseeya iyo abaal-marinnada qaabka Cashback, oo waxaad haysataa 'gem of a credit card' oo loo sameeyay kaliya Gen Z iyo tirakoobka kun sano.
Dhibcaha credit-ku waa calaamad muujinaysa kalsoonida qofka iibsade iyo deyn bixiye ahaan. Kalsoonidaada iibsade ahaan waxay ku dhisan tahay tirada xisaabaadka maaliyadeed ee aad leedahay, sida wanaagsan ee aad u kharash garayso, haddii biilashaada lagu bixiyo waqtigii loogu talagalay, daynta qaadashada iyo taariikhda dib u bixinta deynta, iyo arrimo kale oo noocaas ah oo go'aamiya caafimaadka maaraynta deyntaada. Qiimaha buundada credit waxay u dhaxaysaa 300-850. Sare u kaca, ayaa ka wanaagsan. |
Waxa jira astaamo badan oo muhiim ah oo kaadhkani leeyahay, inta aynaan go’aan ka gaadhin natiijada kaadhkan, aynu eegno faa’iidooyinka, sifooyinka iyo kharashka kaadhkan.
Faa'iidooyinka HDFC MoneyBack Credit Card
FAA'IIDOOYINKA SOO DHAWEYN
500 dhibcood oo lacag caddaan ah, oo ku xiran bixinta kharashka xubinnimada.
FAA'IIDOOYINKA KORKA SHIDAALKA
1% ka dhaafida qarashka dheeriga ah ee wax kala iibsiga shidaalka ugu yar ee Rs. 400 ee dhammaan xarumaha shidaalka ee Hindiya.
Lacag celinta ugu badan ee wareegtada bayaan kasta waa Rs. 250.
FAA'IIDOOYINKA MIISKA AH
Kharashka xubinimada bilowga ama sanadka koowaad ee Rs. 500 ayaa laga dhaafaa kharashka ugu yar ee Rs. 20,000 3-da bilood ee ugu horreeya ka dib hawlgelinta kaadhka.
Laga bilaabo sanadka 2aad wixii ka dambeeya, kharashyada ugu yar ee Rs. 50,000 waxay hubisaa in kharashka cusboonaysiinta sanadlaha ee soo socota ee Rs. 500 ayaa laga cafiyay.
Kharash saddexdii biloodba mar ah ugu yaraan Rs. 50,000 waxay ku helaysaa Rs. 500 oo foojaro hadiyad ah rubuci kasta. Taasi waxay ka dhigaysaa wadar ahaan Rs. 2000 oo foojar hadiyadeed ah waxaad ka faa'iidaysan kartaa hal sano gudaheed.
FADLANADA KALE
- Waxaad lacag kala bixi kartaa ATM-ka adiga oo isticmaalaya kaarka deynta HDFC Moneyback, oo loo yaqaan Revolving Credit, sida ku cad xadka deynta ee kaarkaaga. Badanaa waa 40% ee xadka deynta ee kaarka waxaana jira dulsaar ah 3.6% bishii ama 43.2 % sanadkii. Heerka dulsaarka cusub wuxuu dhaqan galayaa laga bilaabo Sebtembar 2020.
- Waxaad ka faa'iidaysan kartaa ilaa 40% ama wax ka badan qiimo dhimis goobaha wax laga cuno (magaalooyinka la xushay) ee hoos yimaada HDFC Barnaamijka Cunnada Raashinka Wanaagsan.
- Markaad lumiso kaarka deynta si lama filaan ah, oo aad isla markiiba uga warbixiso xarunta wicitaanka HDFC, ma jirto wax mas'uuliyad ah oo ku saabsan macaamil kasta oo khiyaano ah.
- Waxa jira 50 maalmood oo bilaa dulsaar ah kaadhka deynta HDFC MoneyBack Xilliga dulsaar la'aantu wuxuu ka bilaabmayaa taariikhda iibka.
- Waxa kale oo aad u beddeli kartaa iibsiyadaada waaweyn qaybo bille ah adiga oo isticmaalaya ikhtiyaarka Smart EMI. Heerka dulsaarka Smart EMI waa 1% ee xadiga iibka ama Rs. 350 (marka laga reebo canshuurta), hadba kan ka sarreeya.
Xusid Gaar ah: Lacag-bixin la'aan ah (oo laga heli karo kaararka ay ku qoran tahay calaamadda aan lala xiriirin)
Kaarka deynta HDFC ayaa awood u siinaya lacag-bixinta aan lala xiriirin ee macaamiisha la doortay marka la codsado wax kala iibsiga ilaa Rs. 1999kii mar. Nooca kaadhka ee aan lala xidhiidhin waxa loo isticmaali karaa dukaamada tafaariiqda ee leh lacag bixinta bilaa xidhiidh ah. Dhab ahaantii waa lagu daray waqtiyada COVID.
Qodobbada Abaalmarinta
Qaab dhismeedka dhibcaha Abaalmarinta ee HDFC MoneyBack Credit Card waa mid aad u fudud, oo toos ah. Waxa ay leedahay dhawr ka reebis.
2X Dhibcaha Abaalmarinta
Kharashka khadka tooska ah, waxaad helaysaa 2X dhibcood abaal-marin ama 4 dhibcood abaalmarin Rs kasta. 150 kharash gareeyay.
1X Dhibic Abaalmarinta
Waxaad kasbatay 1X dhibcood abaal-marin ama 2 dhibcood abaal-marin Rs kasta. 150 lagu qaatay offline
Dhibcaha abaal-marintu waxay shaqaynayaan 2 sano laga bilaabo taariikhda ururinta. Waxaa lagu talinayaa in la isticmaalo dhibcaha abaal-marinta 2 sano gudahood.
Dhibcaha abaal-marinta waxaa lagu soo furan karaa:
- Hadhaaga bayaanka bilaha ah ee 20 paise halkii dhibic abaalgud. Dhibcaha abaal-marinnada la ururiyey waa inay ahaadaan 2500 RP si loo soo furto bayaanka billaha ah.
- Duulimaadka iyo ballansashada hoteelka. Qiimaha madax furashada abaalgudka waa 1 Abaalmarin = 25 paise ama 100 dhibcood abaal-marin = Rs. 25 ee duulimaadka iyo ballansashada hoteelka.
Isla'egta lacag-celinta
100 Dhibcaha Abaalmarinta waxay la mid tahay Rs. 20 ie 1 Dhibcaha Abaalmarinta waxaa lagu qiimeeyaa 20 paise.
Huteelka iyo Duullimaadka, qiimaha dhibcaha Abaalmarinta ayaa ka sarreeya - 1 dhibic abaalgud waxay la mid tahay 25 paise ama 100 abaal-marintu waxay la mid tahay Rs. 25.
Abaalmarinta Cashback VS
Kadhka Daynta Abaalmarinta waa mid dhibcaha ama abaal-marinaha aad kasbato lagu ururiyo oo loo isticmaalo in lagu soo furto shayada Buugga Abaalmarinta. Kaarka Amaahda ee Abaalmarintu inta badan waxa uu leeyahay qiime dhibco abaal-marin ah oo ka badan kaararka Cashback. Kaarka Caymiska ee Cashback wuxuu bixiyaa lacag caddaan ah oo la soo furan karo marka loo eego dhibcaha lagu kasbado wax iibsiga. Kaarka Caymiska ee Cashback wuxuu bixiyaa dabacsanaan badan marka la eego halka aad rabto inaad ku bixiso dhibcaha, ama haddii aad rabto in lagu hagaajiyo bixinta caddayntaada bilaha ah. Kaadhka Miles Nooc kale oo caan ah waa Kaarka Miles halkaas oo lagugu abaalmariyo mayl kharashka ku baxa kaarka. Kaarka deynta Miles ayaa ugu habboon warqadaha soo noqnoqda. |
Khidmadaha & Kharashaadka
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Khidmadda ku biirista
500 + canshuur
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KHARASHKA SANADKA/CUSBOONAYSIINTA
500, ayaa laga dhaafay kharashaadka sanadlaha ah ee Rs. 50,000.
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KHARASHKA ATM-KA KALA BAXDA
5% lacagta lagala baxay ama Rs. 500, hadba kii ka sarreeya.
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hubi eedaynta
25 si aad u hubiso qiimaha ilaa Rs. 500.
Rs 50 ee qiimaha jeeg ee ka sarreeya Rs. 5000. -
Dib-u-soo-saarka kaadhka lumay, la xaday ama dhaawacmay
Rs. 100.
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EEDAYNTA BAYAANKA
10 qoraal kasta oo nuqul ah (laga bilaabo Sebtembar 2020 wixii ka dambeeya).
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KHARASHKA LACAG LACAGEED OO DAAH AH
Kharashka lacag bixinta ee soo daaha, ku dheji 50ka maalmood ee bilaa ribada ah waa sida soo socota (oo dhaqan galaya Sebtembar 2020):
Isku dheelitirnaanta Bayaanka | Kharashka Lacag-bixinta Soo Daaha |
< Rs. 100 | Wax lacag ah ma laha |
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 |
In ka badan Rs 50,000 | Rs. 1,300 |
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Khidmad xad dhaaf ah
5 % lacagta xad dhaafka ah ama Rs. 500, hadba kii ka sarreeya.
Kharashka Xadka ka badan Xadka xad-dhaafka ah ee kharashka kaarka deynta ayaa la gaaraa marka aad sameyso macaamil ka baxsan xadka deynta. Waxaad dhahdaa, xadka deyntaadu waa Rs. 50,000, laakiin wadarta kharashkaaga kaadhka ee wareegga bayaanka bisha ee la bixiyay waa Rs. 55,000. Tani waxay ka dhigan tahay in aad haysato xad xad dhaaf ah oo Rs. 5000, waxayna ku ururin doontaa dulsaar xaddi xad dhaaf ah. Kaararka aan fududayn xad-dhaafka xad-dhaafka ah hoos u dhaca macaamil ganacsi ee ka baxsan xadka deynta. |
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KHARASHKA DADWEYNAHA
1% lacagta wax kala iibsiga iyo canshuuraha.
Ma waxaad raadinaysaa kaadhka deynta oo ku siinaya faa'iidooyinka ugu badan ee wax iibsiga onlaynka ah? Fiiri dib u eegista SBI SimplyCLICK Credit Card |
U qalmida HDFC MoneyBack Credit Card
DA'DA
21 - 60 sano
DAKHLIGA SANADKA
Waayo, Shakhsiyaadka mushaharka qaata : 3 lakh sanadkii ama Rs. 25,000 dakhli bishii.
Kuwa Iskood u Shaqeeya/Ganacsatada: Rs 6 lakh sanadkii (sida ku cad dukumeenti soo celinta cashuurta dakhliga)
GOOBTA DEEGAANKA
Magaalooyinka Metro iyo Magaalooyinka Waaweyn iyo Magaalooyinka waa la door bidayaa. Maadaama bangigu leeyahay shabakad ballaadhan oo ku taal 2,768 magaalo oo Hindiya oo dhan ah, kaarka deynta MoneyBack wuxuu leeyahay gaari ka ballaaran inta badan kaararka kale ee bangiyada gaarka loo leeyahay.
U-qalmitaanka KALE
HDFC waxay door bidaysaa dadka haysta akoonnada marka ay timaaddo bixinta kaararka deynta. Sidoo kale, sida ku qeexan bilowga hore, HDFC MoneyBack Credit Card ma aha dhibco gaar ah.
Sidaa darteed, xitaa haddii aadan lahayn taariikh deymis oo la taaban karo oo ku saabsan lahaanshaha kaarka deynta, waxaad weli si toos ah uga codsan kartaa kaarka HDFC website.
Xukunkayaga ee HDFC MoneyBack Credit Card
Waxaan kugula talineynaa HDFC MoneyBack Credit Card haddii aad:
- Marka ugu horraysa ayaad ka fikiraysaa inaad naftaada u hesho kaadhka deynta
- Miyaadan taageere u ahayn boggaga abaal-marinta bangiga oo door bidaa Cashback markay timaaddo kaydinta kharajkaaga khadka iyo tooska ah
- Ha yeelan baahi duullimaad oo joogto ah
- Isticmaalka shidaalka baabuurka xadidan bishii
- Waxa aad xiisaynaysaa in aad korto dhibcaha kreditka si aad u hesho kaar sifooyin fiican leh.
Haddii aad buuxiso mid ama qaar ama xitaa dhammaan shuruudaha kor ku taxan, kaadhkani waxa uu kugu habboonaan doonaa nuxurka.
Waxaan ognahay in ku haboonaanta kaadhku ka duwan yahay qof ilaa qof xitaa leh isla tirakoobka da'da, goobta, ama xitaa jeegaga mushaharka.
Sidaa darteed, ka hor inta aanad ka fikirin inaad hesho kaarka deynta, waxaa had iyo jeer lagugula talinayaa inaad hubiso baahiyahaaga kaadhka gaarka ah, iyo meelaha kharashyadaada aad rabto in aad kaarkaaga deynta daryeesho.
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