Itekhnoloji ikhula ngokukhawuleza kunangaphambili, kwaye ii -apps ezisekelwe kwityala zelizwe azifani.
Ngokhetho oluninzi kwimarike, kuyadida ekukhetheni eyona ilungileyo kuwe.
Ndikhankanye ezona zixhobo zilungileyo zetyala onokuthi uzisebenzise ngokulula kwakho.
Olu luhlu lubandakanya amagqabantshintshi azo zonke ezi apps kunye neempawu zazo eziphezulu kunye nemilinganiselo yeapp.
Ke masingene kuluhlu kwaye sibone eyona app yekhadi letyala eIndiya.
Uni Card
I-UniCard isanda kwenza iintloko kunye nesicwangciso sayo sokuthengisa sokuvumela abasebenzisi ukuba bahlule amatyala abo abe ngamacandelo amathathu kwaye bahlawule kwiinyanga ezintathu ezizayo ngaphandle kweendleko ezongezelelweyo. Ikwabonelela EMI iinketho 6,9,12,18+ iinyanga.
Ixhaswa yiVisa, i-UniCard yamkelwe malunga ne-99% yeendawo kwilizwe lonke. Ukwafumana ikhadi letyala letyala ngoko nangoko emva kokubhalisa kwi-app kude kube lixesha lokufika kwekhadi lakho lomzimba. Funda uphononongo lwethu olupheleleyo lweKhadi le-Uni.
Amanqaku aphezulu
- I-1% yembuyekezo yemali ngoko nangoko ekuhlawuleni isixa esipheleleyo ngeentsuku ezingama-30
- I-100% yembuyekezo yemali xa kukho iintlawulo ezibizwayo ngaphandle kolwazi lwakho
- Tshixa ikhadi lakho ngokucofa kube kanye kwimeko kaxakeka
- I-24 × 7 inkxaso yomthengi kunye noncedo
- Azikho umrhumo wokusetyenzwa
- App rating- 4.5 iinkwenkwezi
Slice
I-Slice sisicelo esikhethekileyo somfundi esivumela ulutsha lwelizwe ukuba lusebenzise ikhredithi ukuhlawula amatyala alo.
Inika abasebenzisi ukuba bahlule amatyala abo kwaye bawahlawule kwiinyanga ezi-3 ngaphandle kweentlawulo ezongezelelweyo. Ukunikezela malunga ne-Rs.10 lakhs kwityala, iSilayidi sisetyenziswa ngabasebenzisi abangaphezu kwezigidi ezili-12 elizweni.
Isilayi sivumela abo basebenzisi bangenawo amanqaku e-CIBIL. Nabani na ongaphezulu kwe-18 unokufaka isicelo ngokulula kwaye aqale ukonwabela iinkonzo zayo.
Amanqaku aphezulu
- Ukuvulwa kwe-akhawunti ngaphantsi kweeyure ezingama-24
- Ifumaneka kuninzi lwamaqonga e-e-commerce aphambili eIndiya kubandakanya iAmazon, iFlipkart, kunye neSnap Deal.
- Instant 2% cashback nge Slice super card
- Akukho ntlawulo zonyaka
- App rating-4.6 iinkwenkwezi
Ikhadi enye
I-OneCard ibonelela ngentlawulo ekhawulezileyo ngetyala labo kwaye emva koko yahlulahlule isixa kwii-EMIs zenyanga ngokoncedo lomthengi.
Ikwabonelela ngesinyithi ikhadi lamatyala ngentsebenziswano nezinye zeebhanki eziphezulu kuquka i-IDFC First Bank, iBhanki yaseMzantsi Indian, iBhanki ye-SBM, kunye neBhanki ye-Baroda yeMali. Abasebenzisi banokungena kwangoko kwaye baqale ukusebenzisa izibonelelo zekhadi.
I-OneCard ikwabonelela ngembuyekezo ukuya kuthi ga kwi-5x kwiindidi ezi-2 eziphezulu zembali yakho yenkcitho. Ujongano olusebenziseka lula lubonelela ngohlaziyo lwangexesha kwaye luvumela abasebenzisi ukuba balandelele zonke iindleko zabo.
Amanqaku aphezulu
- Vula iakhawunti yakho entsha ngaphantsi kwemizuzu emi-5 ngaphandle komthungo
- Yahlula imali yakho ngokulula kwii-EMIs
- Fumana ikhadi letyala lentsimbi elikumgangatho ophezulu
- Lawula ii-EMIs zakho nge-EMI dashboard ngaphandle koncedo okanye inkxaso
- Imivuzo yangexesha kunye nezibonelelo
- App rating- 4.3 iinkwenkwezi
Paytm Credit Card
Enye yeentlawulo zokuqala zedijithali kwilizwe iPaytm ibonelela ngamaziko etyala kubasebenzisi bayo ngeenzuzo ezininzi. I-Paytm inikezela ngamakhadi okuthenga ngetyala anegama elidityanisiweyo aneebhanki ezahlukeneyo njenge-SBI kwaye inika izibonelelo ezininzi kunye nokubuyiselwa kwemali.
Ikhadi letyala lamkelwa kulo lonke ilizwe kwaye lelinye lawona makhadi adumileyo, nto leyo eyenza kube lula kakhulu.
Amakhadi okuthenga ngetyala e-Paytm anikezela ngembuyekezo eyi-1% kuzo zonke iitransekshini ezenziwe ngamakhadi abo. Ikwanceda ekwakhiweni kwenqaku le-CIBIL labasebenzisi ngezibonelelo zayo zetyala.
Amanqaku aphezulu
- 100% inkqubo yedijithali yokubhalwa kwamaxwebhu
- I-5% yokubuyisela imali kwi-Paytm Mall
- Qalisa ngaphandle kwentlawulo yokuvula
- Yamkelwe kwiindawo ezingaphezulu kwe-1 ye-crore kwilizwe lonke
- App Rating-4.6 iinkwenkwezi
ILazyPay
ILazypay, enye iapp yetyala edumileyo kweli lizwe ibonelela ngentlawulo yamatyala kwangoko nge-UPI. Ungawahlawula amatyala akho ngokusebenzisa amaziko ekhredithi kwaye uwabuyisele ngeentsuku ezili-15 ngenzala eyiziro.
ILazypay inikezela ngeemali-mboleko ukuya kuthi ga kwi-5 lakhs ngokusekelwe kumanqaku omsebenzisi we-CIBIL. Ikwabonelela ngexesha elifanelekileyo kwamanye amaqonga adumileyo abandakanya iZomato, iSwiggy, iRapido, iMcdonald's, nokunye okuninzi.
Ufumana ikhadi lokuthenga ngetyala lomzimba kunye nokusetyenziselwa ukuthenga ngaphandle kweintanethi. Kwaye inxalenye engcono, ukuvunywa kwabo kuphezulu kakhulu kwi-99%.
Amanqaku aphezulu
- Quick, paperless KYC phakathi kwemizuzu
- Sebenzisa iLazypay app simahla ubomi bonke
- Akukho ntlawulo yonyaka okanye iintlawulo ezifihliweyo
- Imivuzo ekhangayo kunye neemali ezibuyiselwayo
- Fumana ibhonasi wamkelekile
- App rating- 4.4 iinkwenkwezi
Wizi
I-Wizi inikezela abasebenzisi bayo ngamakhadi amatyala ahlukeneyo avela kwiibhanki eziphezulu zelizwe. Ayincedi kuphela ekuqhubeni ikhadi elitsha letyala, kodwa ikwanceda ekulawuleni amakhadi akho etyala asele ekhona ngojongano olusebenziseka lula.
Nge-Wizi, unokuhlawula ngokulula amatyala akho kwaye kamva uwahlule abe yi-EMIs ngokokuthanda kwakho.
Amanqaku aphezulu
- Ukuvunywa ngokukhawuleza ngexesha lokubhalisa
- Akukho maphepha afunekayo ngelixa ukhwele
- Ukungafihli ngokupheleleyo
- Isebenzisana neebhanki eziphezulu zelizwe kuquka i-ICICI Bank, i-American Express, kunye nokunye.
- Hlawula amatyala, ii-EMIs, kunye nokunye okuninzi kwiqonga elinye.
- App rating- 4.3 iinkwenkwezi
Ikhadi leBajaj Finserv
I-Bajaj Finserv inikezela ngamakhadi okuthenga ngetyala asekelwe kwiiapps ezahlukeneyo, isebenzisana neRBL kunye neebhanki zeDBS. Unokuya eqongeni kwaye ubhalise. Ukuba inqaku lakho le-CIBIL ngama-750+, ngoko uya kulungela ikhadi letyala.
Ungaguqula ngokulula intlawulo yakho kwi-EMIs ukuba isixa-mali singaphezulu kwe-Rs.2500.
Unokusebenzisa ikhadi ukuhlawula amatyala akho kumaqonga ahlukeneyo.
Amanqaku aphezulu
- Imvume yeMali-mboleko ngoko nangoko ngenzala yesiqhelo
- Ibandakanya akukho ntlawulo ifihliweyo
- Akukho nzala ekutsalweni kwemali kangangeentsuku ezingama-50
- Fumana indawo yokuphumla yeSikhululo seenqwelomoya ezisi-8 ngonyaka
- Fumana isaphulelo sika-5% ngoko nangoko kwintlawulo ephantsi nakweyiphi na ivenkile yeqabane le-Bajaj Finserv.
- App rating- 4.2 iinkwenkwezi
Thumela Pe
I-Post Pe yi-app ye-Thenga-ngoku-hlawula-kamva ye-BharatPe evumela abasebenzisi ukuba bafumane iikhredithi kwaye bawasebenzise kwiindawo ezahlukeneyo zokuthengisa. Ungahlawula isixa kwi-0 inzala kwisithuba seentsuku ezingama-30.
Ikwabonelela ukuya kuthi ga kwi-10 lakhs yekhredithi kubasebenzisi ngokusekelwe kumanqaku e-CIBIL.
I-PostPe ibonelela ngenqaku lokuskena apho abasebenzisi banokuhlawula kwangoko ngeekhowudi ze-QR kwaye kamva bahlawule kwii-EMIs. Umthetho oyilwayo wenziwa ngomhla woku-1 wenyanga nganye.
Abasebenzisi nabo banokhetho lokwahlula kwii-EMIs zenyanga ezi-3/4/5/6.
Amanqaku aphezulu
- Sebenzisa ikhadi lePostpe ekuthengeni kwi-intanethi okanye ngaphandle kweintanethi
- Bhalisa ngoko nangoko ngeWhatsapp
- Jonga kwi-app kwaye uzuze ukuya kuthi ga kwi-5% yembuyekezo yemali
- Thumela imali kubafowunelwa bakho okanye kwiakhawunti yakho yebhanki simahla
- Ityala elingenanzala ukuya kuthi ga kwiintsuku ezingama-30
- App rating-4.1 iinkwenkwezi
Aspire
Elinye lamakhadi okuthenga ngetyala edijithali eIndiya, i-Aspire ibonelela ngeenkonzo ezininzi kunye nonikezelo kubasebenzisi. Sebenzisa ikhadi ukuhlawula ngoko nangoko nakweyiphi na ivenkile. Usenokuyaphula intlawulo yakho ibe ngezavenge ezi-4 ngenzala eyi-0%.
Ngena ngokulula kwi-app ngenombolo yakho yeselula edityaniswe ne-UPI kwaye ufumane umda wetyala lakho. Awudingi ikhadi letyala elikhoyo okanye amanqaku eCIBIL ukuze usebenzise i-app.
Amanqaku aphezulu
- Inkqubo yokubhalisa imizuzu engama-5
- Lawula iakhawunti yakho ngokupheleleyo kwiselula yakho
- Cofa-kanye ukuphuma kunye neetoni zabarhwebi
- Akukho ntlawulo yoncedo
- Intlawulo yenyanga eqhelekileyo
IndMoney
IndMoney ingekaqalisi ngetyala layo, kodwa izibhengezo zivakala zithembisa. Unokuthenga lula Izitokhwe zase-US ukusuka eqongeni elenza libe lolunye uhlobo kolu luhlu. Mutual fund, Digital gold, Stocks, inshorensi, kunye nokunye okuninzi.
Le app ikwabonelela umkhondo weendleko, Utyalo-mali olusekwe kwi-AI, kunye nezinye izinto ezenza kube luncedo kakhulu. Unokuthenga ii-IPOs kwi-app.
Isizathu sokuba ndifune ukongeza i-INDmoney kuluhlu kungenxa ye-IND Super Credit Card yabo ezayo, ngokubambisana ne-SBM Bank. Okwangoku, ungajoyina uluhlu lokulinda ngokufaka i-INDMoney app.
Amanqaku aphezulu
- Fumana iitoni zokhetho lotyalo-mali kwi-app
- Isinxibelelanisi somsebenzisi
- Ukulandelela iindleko ezipheleleyo zokulawula imali yakho
- Inceda kwisicwangciso seRhafu
- Imivuzo yasimahla ngokujoyina
- App rating- 4.4 iinkwenkwezi
OlaMoney
Ukulawula kwicandelo lezothutho, i-OlaMoney iye yasungula ikhadi layo letyala nge-SBI. Unokuzifumana ngoko nangoko iinkonzo ngobhaliso olukhawulezayo. Ikhadi lingasetyenziselwa ukuhlawula amatyala, ukususa ii-EMIs, kunye nokunye okuninzi.
Ikwabonelela ngezibonelelo ezahlukeneyo zembuyekezo kubasebenzisi bayo kunye ne-1% yembuyekezo yemali ecaba kuzo zonke iintengiselwano ngaphandle kokulayishwa kwe-e-wallet.
Amanqaku aphezulu
- Akukho mali yokujoyina
- Inkqubo yokukhwela egudileyo
- I-7% yembuyekezo yemali kuzo zonke iimoto ze-Ola
- Unikezelo olwamkelekileyo oluxabisa i-Rs.10,000
- Fumana isaphulelo esikhethekileyo se-10% ekubhukishweni kweHotele kunye ne-5% yesaphulelo ekubhukisheni iFlight
- App rating- 2.6 iinkwenkwezi
vCard
I-vCard ibonelela ngepolisi ye-0% yenzala kwityala leentsuku ezingama-50. Abasebenzisi banokuhlawulela ngoko nangoko ikhredithi yabo kwaye bayidlulisele kwiakhawunti yabo okanye bayisebenzise ukuhlawula nawuphi na umrhwebi okanye abahlobo babo.
I-vCard ikwabonelela ngenkonzo engenamthungo ngenkxaso yabathengi abangama-24×7. Ungasebenzisa i-app ukulandelela iindleko zekhadi lakho letyala ngokunjalo.
Amanqaku aphezulu
- Ukuseta okungekho bunzima kunye ne-KYC engenamaphepha
- Unikezelo olulolwakho kunye olukhethekileyo olusuka kubathengisi
- Inceda ekuphuculeni amanqaku etyala labasebenzisi
- Ukubuyiselwa kwemali ngexesha kunye nemivuzo kubasebenzisi
- App rating- 2.4 iinkwenkwezi
Ezi yayizezona ziphezulu zokusebenza zekhadi letyala letyala eIndiya. Uluhlu lusekwe phezu kwenani leempawu kunye nophononongo lweapps.
Yeyiphi i-app oyithandayo yekhadi letyala xa uthenga?
Ngaba undazise kwicandelo lezimvo.
Ujwal Bhai Sood
Ndiyazithanda ii-apps ezifana ne-Slice kuba zenza kube lula ukulawula imali yam. Ndihlala ndisazi ukuba yintoni ibhalansi yam kunye nento endinokuyichitha.
Ashish
Nceda uqaphele ukwahlula isixa kwi-UNI, SLICE nenzala ayinakwenzeka, kwangethuba bekunokwenzeka. Njengoko esi sithuba sisanda kuhlaziywa sifuna ukucacisa le ngongoma. Akukho app endiyifumeneyo ukuza kuthi ga ngoku ukuba ngubani onokuguqula inkcitho kwi-EMI engabiziyo.
Kodwa enkosi ngesithuba.
Vihit
Jupiter ngcono guys; ngandlela zonke