Ukhetho lwam lwamakhadi okuthenga ngetyala likhadi lokubuyisela imali endaweni yekhadi lenqaku lokuvuza.
Xa usebenzisa i-cashback credit card ukwenza iintlawulo, ufumana imali engamanzi ngqo kwi-akhawunti yakho njengomvuzo.
Ngokungafaniyo namanqaku okuthenga ngetyala, angeyomali yokwenyani kuba awukwazi ukuyichitha kuyo nantoni na oyifunayo. Ungajika amanqaku abe ngamakhuphoni, iivawutsha, okanye uthenge into ethile kwivenkile exhaswa ngemali, yiloo nto ke.
Nto leyo yindlela endinqanda kakhulu ngayo. Ngokukodwa xa ndinokhetho lokufumana umvuzo wemali.
Nanga awona makhadi asi-7 angcono anikezela ngembuyekezo yemali eIndiya.
1. I-ICICI Sapphiro Credit Card
I-ICICI Sapphiro likhadi lokuthenga ngetyala leprimiyamu elikunika umyinge wetyala eliphezulu kunye namanqaku ePayback awongezelelweyo kuxhomekeke ekubeni uchitha nge-MasterCard okanye ngekhadi le-American Express.
Ukuba usebenzisa i-MasterCard ngoko kwiintengiselwano zasekhaya (ubuncinci be-RS 100), ufumana amanqaku e-2 yokubuyisela kunye namanqaku okuhlawula ama-4 kwiintengiselwano zamazwe ngamazwe.
Ukuba usebenzisa AmericanExpress, ufumana 4 amanqaku payback nganye RS. I-100 echithwe kwiitransekshini zasekhaya kunye namanqaku ama-6 kuzo zonke iitransekshini zamazwe ngamazwe. Ngaphandle kokuthenga amafutha.
Ngokumalunga nokufumana amanqaku okubuyisela, i-ICICI Sapphiro iphezulu njengoko ifumana kwimarike ngoku.
Ungasebenzisa kwakhona amanqaku okuhlawula ukuhlawula ityala lakho lekhadi letyala. Indawo nganye yokubuyisela ixabisa iRs. 0.25, kwaye unokuwakhulula onke amanqaku akho abe yimali. Isixa sokukhulula siya ngqo kwi-akhawunti yakho yekhadi letyala le-ICICI.
Abanikazi bamakhadi e-ICICI Sapphiro bafumana amanqaku e-2000 okubuyisela kwi-RS nganye. I-100,000 echithiweyo kunye namanqaku angama-4000 kwi-RS nganye. 400,000 echithiweyo.
Kukho imbuyekezo yemali ngokuchitha nayiphi na imali ngaphezulu kwe-5,00,000 ngonyaka.
Izibonelelo zekhadi le-ICICI Sapphiro:
- 2 indawo yokuphumla yamazwe ngamazwe ngekota nganye kunye neeseshini ezi-2 zasimahla ze-spa kwizikhululo zeenqwelomoya
- Indawo yokuphumla yasekhaya emi-4 ngekota nganye
- Ukufikelela kwimijikelo encomekayo yegalufa kwiikhosi zegalufa eziphambili kwihlabathi liphela
- Iimbuyekezo zemali kwinkcitho engaphezu kwe-RS. 5,00,000 kunye ne-10,00,000 (yasekhaya neyamazwe ngamazwe)
Ngubani omele akhethe ikhadi le-ICICI Sapphiro:
I-ICICI Sapphiro yikhadi lekhredithi le-premium elinomda ophezulu, izibonelelo ezikhethekileyo, oku kuthetha ukujoyina okuphezulu kunye nomrhumo wonyaka.
Ukuba inkcitho yakho yonyaka ingaphezulu kwe-RS 600,000, eli lelona khadi lokuthenga ngetyala ligqwesileyo malunga nezibonelelo ezikhethekileyo kunye nokonga. Funda i-ICICI Sapphiro uphononongo olupheleleyo apha.
Yiya kwiwebhusayithi ye-ICICI Bank kwaye ufake isicelo
2. Citibank Cash Back Card
Ikhadi le-Citibank Cashback likhadi letyala elidumileyo, kwaye abantu bayakonwabela ukulisebenzisa kwintengiselwano yemihla ngemihla.
Ikwayenye yezona zinto zilula ukufumana imvume. Ukuba ungumsebenzi ohlawulwayo, maninzi amathuba okuba ufumane imvume yokufumana ikhadi le-Citibank cashback ukuba unamanqaku angaphantsi komndilili wetyala.
Ikhadi laseCitibank Cashback libonelela ngeflethi eyi-0.5% yexabiso letransekshini njengembuyekezo yemali. Kwi-1,00,000 nganye echithiweyo, ufumana i-500 yembuyekezo.
Ukwafumana i-5% yokubuyisela imali ekuthengeni itikiti lomboniso bhanya-bhanya kunye nokuhlawulwa kwezinto eziluncedo kunye namatyala.
Imali ebuyayo ifakwa ngokuzenzekelayo kwiakhawunti yekhadi lakho lokuthenga ngetyala ngalo lonke ixesha uqokelela iRS—500 kwimbuyekezo yemali.
Izibonelelo zekhadi le-Citibank Cashback:
- Umrhumo ophantsi wokujoyina - RS. 500 (Akukho ntlawulo yokuyeka)
- Cashback auto credits
- Imvume elula - ilungele abaqalayo
Ngubani omele akhethe ikhadi le-Citibank Cashback:
Ikhadi le-Citibank Cashback lilungele nabani na, kodwa abaqalayo banokuzuza kakhulu. Imirhumo ephantsi yokujoyina, i-auto cashback-credit kunye nokuvunywa lula zezona zizathu zenza kube lukhetho olulungileyo.
Yiya kwiwebhusayithi yeCitibank kwaye ufake isicelo
3. I-ICICI Coral Credit Card
Ikhadi le-ICICI Coral yayilikhadi lam lokuqala letyala.
Likhadi letyala elingabizi kakhulu xa lithelekiswa namanye akuluhlu. Ikhadi le-ICICI Coral lilungele ukuqalisa abaqalayo.
Ufumana amanqaku okubuyisela ama-2 nge-Rs nganye. I-100 elichithiweyo. Ngaphandle kokuthenga amafutha.
Kwimeko yokuthengwa kwamafutha, ufumana i-1% yentlawulo eyongezelelweyo eyekiweyo kwiitransekshini ezingaphantsi kweRS. 5000.
Inxalenye engcono ungasebenzisa amanqaku okubuyisela ukuhlawula ityala lakho lekhadi letyala le-ICICI.
Izibonelelo zekhadi le-ICIC Coral:
- Umrhumo wonyaka – RS. 500 + GST. Umrhumo wonyaka uyayekwa ukuba uchitha i-Rs. 150,000 okanye ngaphezulu ngonyaka.
- Ukufikelela kwiVISA/MasterCard kwisikhululo seenqwelomoya kanye ngekota.
- Ukufikelela kwindawo yokuphumla kaloliwe kanye ngekota.
- Iimbuyekezo zemali kwinkcitho yonyaka ngaphezulu kwe-RS. 300,000.
Ngubani omele akhethe ikhadi le-ICICI Coral:
I-ICICI Coral iyona nto ingcono kubathengi abaqhelekileyo abasebenzisa ikhadi lekhredithi ukuze bachithe imali kwiindleko zemihla ngemihla.
Ukuba awuhambi kakhulu kwaye uzimisele ukonga imali kwimirhumo yonyaka, lo lolona khetho lufanelekileyo. Funda uphononongo olupheleleyo lwe-ICICI Coral apha.
Yiya kwiwebhusayithi ye-ICICI Bank kwaye ufake isicelo
4. HDFC Bank MoneyBack Credit Card
Olunye ukhetho olulungileyo lwekhadi lokubuyisela imali luvela kwibhanki yeHDFC - ikhadi letyala leMoneyBack.
Eli likhadi letyala lokungena. Ikhadi le-HDFC MoneyBack lelinye lawona alula ukuba amkelwe. Ekuphela kwento oyifunayo yi-akhawunti yebhanki ye-HDFC, kwaye ukuba awunawo amanqaku asezantsi etyala, uya kufumana elinye simahla.
Ufumana amanqaku ama-2 kwintengiselwano nganye ye-Rs. I-150 yokuswayipha kunye nezinye iintengiselwano ngaphandle kweintanethi.
Xa uchitha kwi-intanethi, ufumana amanqaku ama-4 okuvuza nge-Rs nganye. I-150 echithiweyo. Kukho ibhonasi eyimbali yeRs. I-500 yevawutsha ye-E kwinkcitho ye-RS. 50,000 ngekota nganye.
Izibonelelo zeHDFC MoneyBack Card:
- Ubulungu bonyaka woku-1 busimahla (Kuyekiwe kwinkcitho ye-RS. 50,000 ngonyaka)
- Imvume eqinisekisiweyo yabasebenzi abahlawulwayo
- Nje ukuba uqokelele iRS. I-500 yexabiso lamanqaku okuvuza, ikhulula ngokuzenzekelayo imali efunyenweyo kwi-akhawunti yekhadi letyala.
Ngubani omele akhethe iKhadi le-HDFC leMoneyBack:
Linqanaba lokungena kunye nekhadi letyala elisisiseko.
Nangona kunjalo, iHDFC ayinikezi naziphi na iinkonzo zoncomelo okanye izinto zasimahla kwikhadi leMoneyBack. Nabani na ofuna ukulungisa amanqaku akhe okuthenga ngetyala okanye ufuna ikhadi letyala lasimahla njengokhetho lokugcina angalikhetha. Funda uphononongo olupheleleyo lwekhadi le-HDFC Moneyback apha.
Yiya kwiwebhusayithi yebhanki ye-HDFC kwaye ufake isicelo
5. IndusInd Iconia Amex Credit Card
I-IndusInd yenye yeebhanki ezilungileyo kakhulu zabathandi bekhadi letyala.
Ikhadi le-IndusInd Iconia lenzelwe abathandi bempelaveki. Ukuba uthanda ukuya ngaphandle kwisidlo sangokuhlwa, iimuvi, kunye namatheko, ngokuqinisekileyo kuya kufuneka uyijonge.
Kwi-RS nganye. I-100 oyichithayo, uya kufumana amanqaku ama-2 ngeempelaveki kunye ne-1.5 phakathi evekini.
Nantsi into oya kuyithanda:
Ixabiso le-1 yenqaku lomvuzo yi-Rs. 1. Okuthetha ukuba ufumana iikhredithi ezingama-500 ngalo lonke ixesha usebenzisa iRS. 10,000. Lixabiso eliphambeneyo elo.
Izibonelelo zekhadi le-IndusInd Iconia:
- Utyelelo lokuphumla kwisikhululo seenqwelomoya (kwikhadi le-AMEX kuphela)
- Imijikelo yegalufa encomekayo kunye nezifundo
- I-1+1 yamatikiti emuvi simahla ngenyanga
- Iinkonzo zeConcierge
- Umrhumo wokujoyina ixesha elinye - akukho ntlawulo yonyaka
Ngubani omele akhethe iKhadi le-Indusind Iconia:
I-IndusInd Iconia likhadi letyala eligqibeleleyo kuye nabani na. Nangona ineenzuzo ezinkulu kwizidlo kunye nabachitha imali ngeempelaveki, iskim somvuzo esibonelelwa yibhanki ye-IndusInd yenye yezona zinto zibalaseleyo kwimarike.
Inomlinganiselo ophakathi wokuvunywa, kodwa kufuneka ukwazi ukufumana imvume ngamanqaku alungileyo etyala kunye namaxwebhu afanelekileyo engeniso.
Yiya kwiwebhusayithi ye-IndusInd Bank kwaye ufake isicelo
6. I-American Express Platinum Card Credit Card
IKhadi lokuHamba lePlatinam ye-AMEX yindibaniselwano efanelekileyo yeentengiso ezikhethekileyo kunye nembuyekezo yemali kubahambi. Likhadi letyala elimangalisayo elibonelela ngeenzuzo ezinkulu kubantu abathanda ukuhamba.
Likhadi letyala letyala elinika iivawutsha ezikhethekileyo kunye neebhonasi ezibaluleke kakhulu ekusetyenzisweni okuphakathi.
Ufumana umvuzo oyi-1 kwi-Rs nganye. I-50 echithiweyo (ngaphandle kweentlawulo zamafutha kunye neebhilikhwe). Unokusebenzisa la manqaku omvuzo ukuthenga kwi-intanethi, ufumane iivawutsha zokuhamba, kwaye uziguqule zibe ngamakhadi esipho kunye nokuhlawula amatyala.
Iplatinam ye-AMEX ikwabonelela ngeenzuzo ezininzi ezibalulekileyo ezinje:
- Iivawutsha zokuhamba zixabisa iRs. 9,440 ekuchitheni i-Rs. 4 lakhs ngonyaka
- Fumana amanqaku angama-7,500 okuvuza kunye neevawutsha zokuhamba ezixabisa iRs. 5000 ekuchitheni i-Rs. 1.90 lakhs ngonyaka
- Fumana iTaj Experience E-Gift card enexabiso le-Rs. I-10,000 ekusebenziseni i-Rs. 4 lakhs
Intlawulo yokujoyina kweli khadi yi-Rs 3500 kunye ne-Rs 5000 ukusuka kunyaka wesibini ukuya phambili.
Izibonelelo ze-American Express Platinum Card Travel:
- Inzuzo ebaluleke kakhulu kunamanye amakhadi
- Amanqaku emivuzo eyongezelelweyo xa kuthelekiswa nokhuphiswano
- I-Zero card loss liability (ukuba ixelwe phantsi kweentsuku ezi-3)
- Uncedo olukhulu kunye nonikezelo olukhethekileyo kubahambi
Ngubani omele akhethe i-American Express Platinum Card Travel:
Ukuba uhamba kakhulu kwaye ukhangele ikhadi lekhredithi lokuhamba nge-premium, i-AMEZ Express Platinum ilungele wena.
Yiya kwiwebhusayithi yeAmerican Express kwaye ufake isicelo
7. Standard Chartered Super Value Titanium Credit Card
Okokugqibela, ikhadi letyala eligcina imali kwintengiselwano yemihla ngemihla kwaye likuvuze ngokuchitha imali kwizinto eziluncedo kunye namafutha.
I-SC Super Value Titanium likhadi letyala elinye elijonga zonke iibhokisi zomthengi oqhelekileyo onqwenela ukonga imali kwiindleko ezibalulekileyo ezifana namatyala ezindlu kunye namafutha.
Ufumana umvuzo oyi-1 nge-Rs nganye. I-105 echithiweyo. Emva koko ufumana i-5% yembuyekezo yemali kumatyala epetroli ngetransekshini nganye ukuba ayidluli kwi-Rs. 2000.
Kukho i-5% yembuyekezo yemali kuwo onke amatyala efowuni kunye namatyala oncedo.
Okuzuzwayo kwiKhadi leTitanium eliQhelekileyo eliQisiweyo leXabiso eliPhezulu:
- Elinye lamakhadi okuthenga ngetyala asimahla ukunika imbuyekezo kwinkcitho eluncedo kunye nelinye lawona aphezulu ane-5%.
- Ukujoyina okuphantsi kunye nemvakalelo yonyaka ye-Rs. 750 (eyekiweyo ekuchitheni i-Rs. 90,000 ngonyaka)
- Imvume elula kubantu abaziqeshileyo
Ngubani oMakakhethe iKhadi leTitanium leTitanium eliQhelekileyo eliQithiweyo leXabiso leTyala:
Nabani na ozimiseleyo ukuba nekhadi letyala elingabizi kakhulu kwaye onqwenela ukonga imali kumatyala ayimfuneko kunye namafutha kufuneka akhethe i-SC Super Value Titanium Card. Funda i-Standard Chartered Super Value ikhadi uphononongo olupheleleyo apha.
Yiya kwiwebhusayithi yeStandard Chartered kwaye ufake isicelo
isiphelo
Elona khadi letyala lakho lelona lihambelana neemfuno zakho zenkcitho kunye nemikhwa. Kukho iindlela ezahlukeneyo zokukhetha kunye nekhadi elikhethekileyo lomntu wonke.
Usandula ukufumanisa awona makhadi etyala angcono kwimarike. Ngalinye lala makhadi libonelela ngonikezelo olukhethekileyo kunye nenzuzo kuhlobo oluthile lomsebenzisi. Khetha leyo ocinga ukuba ilungele indlela yakho yokuphila.
Ewe kunjalo, gcina amanqaku akho etyala phezulu ukuze ufumane ngokukhawuleza kwaye uqinisekise ulwamkelo kwiibhanki ezinkulu.
Imibuzo? Nawaphi amakhadi amatsha ongathanda ukuwacebisa? Phawula ngezantsi.
Shiya iMpendulo