Nanini na xa sithetha ngeebhanki zabucala eIndiya, iBhanki yeHDFC ligama elinye eliza kuqala.
Ngenkonzo yabathengi behlabathi, i-HDFC iye yakha indlela yayo ekufumaneni intembeko yelizwe eliye laxakeke kwiibhanki zecandelo likarhulumente njengeBhanki kaRhulumente yaseIndiya kunye neBhanki yeSizwe yasePunjab.
Ifakwe kwi-1994, i-HDFC yafumana isiseko sabathengi e-Indiya ngokukhonza icandelo le-elitist lelizwe kunye neemfuno zebhanki ze-premium.
Nangona kunjalo, ibhanki ithe chu yenze ingeniso yayo kwimarike ephakathi ngogcino lwayo kunye neenketho zeakhawunti yangoku, kwaye okona kubaluleke kakhulu, ngokusebenzisa ikhadi lamatyala izixhobo. Ikhadi elinye elivela kwiHDFC yiMoneyBack Credit Card.
Sonke siyayazi into yokuthanda iibhanki ngamanqaku etyala xa kufikwa ekukhupheni amakhadi etyala, akunjalo?
Kodwa kubonakala ngathi i-HDFC iyiskeni imarike kakuhle kwaye yagqiba ekubeni ize nekhadi elingakhathaliyo ngamanqaku etyala. Igxininisa ingeniso yomntu ngamnye.
Oku kukhokelele ekubeni i-HDFC MoneyBack Credit Card ingene kuninzi lwenkulungwane yabemi baseIndiya abasaqalayo ukukhulisa amanqaku abo etyala.
Yongeza kuyo umrhumo ophantsi wolondolozo wonyaka kunye neMvuzo kwi-Cashback feature, kwaye 'unegugu lekhadi letyala' elenzelwe nje i-Gen Z kunye ne-demographics yewaka lewaka.
Inqaku lekhredithi lihlelo lokuthembeka komntu njengomthengi kunye nombuyiseli-mali-mboleko. Ukuthembeka kwakho njengomthengi kusekelwe kwinani leeakhawunti zemali onazo, indlela ochitha ngayo imali, nokuba amatyala akho ahlawulwe ngexesha, ukuthatha kwakho imali-mboleko kunye nembali yokubuyisela imali mboleko, kunye nezinye izinto ezinjalo ezimisela impilo yokuphatha kwakho ityala. Amanani amanqaku ekhredithi aphakathi kwe-300-850. Okuphezulu, kungcono. |
Zininzi iimpawu eziphambili zeli khadi, kwaye ngaphambi kokuba siwise isigwebo sethu ngamanqaku afunekayo eli khadi, makhe sijonge iingenelo, iimpawu kunye neentlawulo zeli khadi.
Izibonelelo zeHDFC MoneyBack Credit Card
WAMKELELE INZUZO
Amanqaku angama-500 emali, ngokuxhomekeke kwintlawulo yobulungu.
INZUZO YENTLAWULO YEFUTHA
I-1% yokurhoxisa intlawulo yamafutha kwitransekshini encinci ye-Rs. 400 kuzo zonke izikhululo zamafutha kulo lonke elaseIndiya.
Ubuninzi bembuyekezo yemali kumjikelo wengxelo nganye yi-Rs. 250.
IINZUZO EZIBALULEKILEYO
Umrhumo wobulungu wokuqala okanye wokuqala we-Rs. I-500 iyayekwa kwinkcitho encinci ye-Rs. 20,000 kwiinyanga ezi-3 zokuqala emva kokusebenza kwekhadi.
Ukusukela kunyaka we-2 ukuya phambili, ubuncinci benkcitho ye-Rs. I-50,000 iqinisekisa ukuba umrhumo wakho wonyaka wokuhlaziya i-Rs. Ama-500 ayayekiswa.
Inkcitho ngekota ubuncinci be-Rs. I-50,000 ikufumana i-Rs. Iivawutsha zesipho ezingama-500 ngekota nganye. Loo nto yenza ukuba ibe yi-Rs. I-2000 yeevawutsha zesipho onokuzifumana ngonyaka.
EZINYE IZENZO
- Ungayikhupha imali kwi-ATM usebenzisa ikhadi lakho letyala leHDFC Moneyback, elaziwa ngokuba yiRevolving Credit, ngokomda wetyala wekhadi lakho. Idla ngokuba yi-40% yomyinge wetyala letyala kwaye kukho inzala eyi-3.6% ngenyanga okanye i-43.2 % ngonyaka. Inzala entsha iyasebenza ukusuka ngoSeptemba 2020.
- Ungafumana isaphulelo ukuya kuthi ga kwi-40% okanye ngaphezulu kwiivenkile zokutyela zeprimiyamu (kwizixeko ezikhethiweyo) phantsi kweNkqubo yokuTya yeHDFC eLungileyo.
- Ekulahlekelweni kwekhadi lakho letyala ngempazamo, kwaye uyixele ngoko nangoko kwiziko lokufowuna le-HDFC, akukho tyala kuyo nayiphi na intengiselwano yobuqhophololo.
- Kukho iintsuku ezingama-50 ezingenanzala kwikhadi letyala le-HDFC MoneyBack. Ixesha elingenanzala liqala ngomhla wokuthenga.
- Unokuguqula izinto ozithengayo ezinkulu zibe ngezavenge zenyanga usebenzisa i-Smart EMI khetho. Inzala ye-Smart EMI yi-1% yemali ethengiweyo okanye ii-Rs. 350 (ngaphandle kwerhafu), nokuba yeyiphi na ephezulu.
Ukukhankanywa okuKhethekileyo: Intlawulo engaQhagamshelwanga (efumaneka kumakhadi anelogo engaqhagamshelwanga kuwo)
Ikhadi letyala leHDFC lenza ukuba kuhlawulwe ngaphandle koqhagamshelwano kubathengi abakhethiweyo xa kucelwe iintengiselwano ukuya kuthi ga kwi-Rs. 1999 ngexesha. Inguqulelo yekhadi engenakuqhagamshelwa inokusetyenziswa kwiindawo zokuthengisa ezinentlawulo esebenza ngaphandle koqhagamshelwano. Ngokuqinisekileyo idibanisa ngexesha le-COVID.
Amaphuzu okubuyisela
Ubume bamanqaku emivuzo yeHDFC MoneyBack Credit Card ilula kakhulu, kwaye ithe ngqo. Inezithintelo ezimbalwa kuphela.
Amanqaku oMvuzo we-2X
Kwinkcitho ye-intanethi, ufumana amanqaku okuvuza ayi-2X okanye amanqaku ama-4 okuvuza nge-Rs nganye. I-150 echithiweyo.
Inqaku le-1X loMvuzo
Ufumana amanqaku omvuzo we-1X okanye amanqaku ama-2 okuvuza nge-Rs nganye. I-150 echithwe ngaphandle kweintanethi.
Amanqaku okuvuza asemthethweni iminyaka emi-2 ukususela kumhla wokuqokelela. Kuyacetyiswa ukuba kusetyenziswe amanqaku okuvuza kwithuba leminyaka emi-2.
Amanqaku okuvuza anokuhlawulelwa:
- Ibhalansi yengxelo yenyanga ngentlawulo ye-20 ngereyithi yenqaku lomvuzo. Amanqaku omvuzo aqokelelweyo kufuneka abe ngama-2500 RP ekuhlawuleni ingxelo yenyanga.
- Ukubhukisha ngenqwelomoya kunye neehotele. Izinga lokuhlengwa komvuzo ngumvuzo we-1 = i-25 paise okanye i-100 amanqaku omvuzo = ii-Rs. 25 yokubhukisha inqwelomoya kunye nehotele.
I-Cashback equation
I-100 lamanqaku oMvuzo alingana ne-Rs. 20 okt 1 Indawo yoMvuzo ixabisa i-20 paise.
Ukubhukisha iHotele kunye neFlight, ixabiso lamanqaku oMvuzo liphezulu - i-1 indawo yoMvuzo ilingana ne-25 paise okanye i-100 amanqaku oMvuzo alingana ne-Rs. 25.
Cashback VS Imivuzo
Ikhadi letyala leMvuzo lelinye apho amanqaku okanye imbuyekezo oyifumanayo inokuqokelelwa kwaye isetyenziswe ukuhlawulela izinto ezivela kwiKhathalogu yeeMvuzo. Ikhadi letyala leMvuzo lidla ngokuba nexabiso elingaphezulu leeMvuzo kunekhadi le-Cashback. ICashback Credit Card ibonelela ngemali efumanekayo xa kuthelekiswa namanqaku athengiweyo. Ikhadi letyala leCashback libonelela ngokuguquguquka ngakumbi malunga nendawo ojonge ukuwachitha amanqaku, okanye ukuba ufuna ahlengahlengiswe ukuze ahlawule isitatimenti sakho senyanga. Ikhadi leMiles Olunye uhlobo oludumileyo yiMiles Card apho uvuzwa ngeemayile ngokuchitha ekhadini. Ikhadi letyala leMiles lelona lifanelekileyo kubantu abahamba ngeflaya rhoqo. |
Imirhumo kunye neentlawulo
-
IMALI YOKUJOYINA
500 + iirhafu
-
UMRHUMO WONYAKA/UMRHULULO WOKUHLAZIYA
500, irhoxisiwe kwinkcitho yonyaka ye-Rs. 50,000.
-
IINTLAWULO ZOKURHOXA I-ATM
I-5% yemali erhoxisiweyo okanye i-Rs. 500, nokuba yeyiphi na ephezulu.
-
HLOLA IINGXELO
25 ngexabiso lokujonga ukuya kuthi ga kwi-Rs. 500.
I-Rs. 50 ngexabiso letshekhi elingaphezulu kweRs. 5000. -
UKUKHUTSHWA KWAKHONA KWEKHADI ELAHLEKILEYO, ELIBIWEYO OKANYE LONAKILEYO
Rs. 100.
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INKCAZELO YOKUBUYISA INKCAZO
I-10 kwingxelo nganye ephindwe kabini (ukususela ngoSeptemba 2020 ukuya phambili).
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IINTLAWULO ZOKUHLAWULWA KADE
Iintlawulo zokuhlawula kade, ngesithuba seentsuku ezingama-50 ezingenanzala zimi ngolu hlobo lulandelayo (ukuqala ngoSeptemba wama-2020) :
INgxelo yoMlungelelwano | Iintlawulo zeNtlawulo emva kwexesha |
<Rs. 100 | Akukho ntlawulo |
I-100 - i-500 | Rs. 100 |
I-501 - i-5,000 | Rs. 500 |
I-5,001 - i-10,000 | Rs. 600 |
I-10,001 - i-25,000 | Rs. 800 |
I-25,001 - i-50,000 | Rs. 1,100 |
Ngaphezulu kwe-Rs. 50,000 | Rs. 1,300 |
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NGAPHEZU KWEMALI YOKUMDA
I-5 % yemali emiselweyo okanye i-Rs. 500, nokuba yeyiphi na ephezulu.
Umrhumo ongaphaya komda Umda ongaphezulu kwinkcitho yekhadi letyala ufikeleleka xa usenza intengiselwano engaphaya komlinganiselo wakho wetyala. Yitsho, umda wetyala lakho yi-Rs. 50,000, kodwa iyonke inkcitho yakho kwikhadi kumjikelo wengxelo yenyanga onikiweyo yi-Rs. 55,000. Oku kuthetha ukuba unomda ongaphezulu we-Rs. 5000, kwaye iya kongezeleka kwizinga lenzala kwisixa esisikelwe umda. AmaKhadi angaququzeleli ukuthotywa kwentengiselwano kumda ongaphezulu komda wetyala. |
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IMALI YENKXASO KAloliwe
I-1% yemali yetransekshini kunye neerhafu.
Ngaba ujonge iKhadi leTyala elinika izibonelelo eziphezulu ekuthengeni kwi-intanethi? Jonga uphononongo lwekhadi letyala le-SBI SimplyCLICK. |
Ukufaneleka kweHDFC MoneyBack Credit Card
UBUDALA
Iminyaka eli-21 ukuya kwengama-60
INGENISO YONYAKA
kuba Abantu abahlawulwayo : I-3 lakh ngonyaka okanye i-Rs. 25,000 ingeniso yenyanga.
Kwabaziqeshileyo/Abasomashishini: I-Rs. I-6 lakh ngonyaka (ngokoxwebhu lokuBuyisa iRhafu yeNgeniso)
IINDAWO ZOKUHLALA
IziXeko zeMetro neeDolophu eziNkulwana neeLokishi zikhethwayo. Kuba ibhanki inothungelwano olubanzi kwizixeko ezingama-2,768 kulo lonke elaseIndiya, iMoneyBack Credit card inokufikelela ngokubanzi kunamanye amakhadi amaninzi asuka kwiibhanki zabucala.
OKUNYE UKUFANELEKA
I-HDFC ikhetha kuqala kubanini-akhawunti xa kufikwa ekukhupheni amakhadi etyala. Kwakhona, njengoko kuchaziwe kanye ekuqaleni, iHDFC MoneyBack Credit Card ayithethi kakhulu ngetyala.
Ke ngoko, nokuba awunayo imbali yetyala malunga nokuba nekhadi letyala, usenako ukufaka isicelo sekhadi ngqo kwi-HDFC. Website.
Isigwebo sethu ngekhadi letyala leMoneyBack HDFC
Sicebisa iHDFC MoneyBack Credit Card ukuba :
- Ucinga ukuzifumanela ikhadi letyala okokuqala
- Awungomlandeli wekhathalogu yekhathalogu yebhanki kwaye ukhetha iCashback xa isiza kugcino kwi-intanethi kunye nenkcitho yakho ngaphandle kweintanethi
- Musa ukuba neemfuno zokubhabha rhoqo
- Ukusetyenziswa kwamafutha esithuthi kuncinci ngenyanga
- Unomdla wokukhulisa amanqaku akho etyala ukuze ufumane ikhadi elineempawu ezingcono.
Ukuba uzalisekisa nayiphi na okanye enye okanye yonke le miqathango idweliswe ngasentla, eli khadi liyakufanela eyona nto iphambili.
Siyazi ukuba ukufaneleka kwekhadi kuyahluka ukusuka kumntu ukuya komnye kwanamanani afanayo eminyaka yobudala, indawo, okanye umvuzo.
Ke, ngaphambi kokuba ucinge ngokufumana ikhadi letyala, kusoloko kucetyiswa ukuba ujonge iimfuno zekhadi lakho, kwaye zeziphi iindawo zenkcitho yakho ofuna ukuba ikhadi lakho letyala lizihoye.
Shiya iMpendulo