Ndifumene ikhadi lam lokuqala lekhredithi (i-ICICI Platinum Rewards) kwi-2006 nge-akhawunti yam yomvuzo kunye ne-ICICI Bank. Ukusukela ngoko, ukuthabatheka kwam ngamabhaso ekhadi lokuthenga ngetyala kunye namanqaku kwaqala, kwandikhokelela ekubeni ndijonge amanye amakhadi okuthenga ngetyala.
Ngexesha lomsebenzi wam e-USA, ndikwazile ukufumana i-$2500 ngokubhalisela amakhadi okuthenga ngetyala. La mava alomeleza ngakumbi uxabiso lwam ngeenzuzo kunye nemivuzo enikelwa ngu makhadi e khredithi.
Xa ndandisungula I-CashOverflow ngo 2015, elinye lamanqaku ethandwa kakhulu eqongeni malunga hacks credit card.
Ndisebenzisa iihacks zamakhadi okuthenga ngetyala xa uthenga, izinto zokuhamba, kunye nokuhlala kamnandi kwiihotele eziziinkwenkwezi ezi-5.
Kunyaka ophelileyo, ndibe nethuba lokufumana amatikiti eklasi yeshishini simahla ngamakhadi am etyala.
Ndichulumancile ukwabelana ngeengcebiso ezixabisekileyo ezinokukunika ukuya kuthi ga kwi-17 yamatikiti eklasi yeshishini simahla ngonyaka.
1. IiKhadi zeTyala zePremium ezineeNzuzo zokuHamba
Ndihlala ndinolwazi malunga nohlaziyo lwamva nje lwamakhadi okuthenga ngetyala anikezela ngexabiso elingcono lomvuzo.
Ndizingela ngenkuthalo amakhadi amatsha etyala anokuzuza mna kunye nabafundi bam bebhlog.
Okwangoku, ugxininiso lwam kukufumana ngaphezulu kwe-10% imbuyekezo ngembuyekezo endiyifumene ngokusebenzisa amakhadi okuthenga ngetyala eprimiyamu. Kunyaka ophelileyo, ndifake isicelo setyala letyala le-Axis Magnus kunye nekhadi letyala le-Axis Vistara.
Ungabhukisha amatikiti eklasi yeshishini simahla usebenzisa indibaniselwano ye-Axis Magnus kunye ne-Axis Vistara Infinite credit cards.
2. Itikiti lam lokuQala leKlasi yeShishini laSimahla
Uninzi lwamakhadi okuthenga ngetyala e-premium anikezela ngamatikiti okubhabha asimahla njengebhonasi yokubhalisa. Ndifumene itikiti lam lokuqala lasimahla leklasi yeshishini kunye ne-Axis Vistara Infinite credit card njengebhonasi yokubhalisa. Itikiti belixabisa ngaphezulu komrhumo wonyaka we-Rs 10,000.
Ngakolunye uhlangothi, ikhadi letyala le-Axis Magnus linika ukhetho phakathi kwetikiti lasekhaya lezoqoqosho okanye ivawutsha ye-Tata Cliq exabisa i-Rs 10,000 njengebhonasi yokubhalisa.
Ndiye ndakhetha ivawutsha kaTata Cliq njengoko ndihlala ndisebenzisa iindlela zokonga imali ukubhukisha iinqwelomoya zasekhaya ngaphantsi kwe-10,000 yeerupees.
3. Cwangcisa iNkcitho yeKhadi leTyala ukuze ufikelele kwiiBhonasi zeMilestone
Unokwandisa ixabiso lembuyekezo yekhadi lakho letyala ngokuqonda amanyathelo abalulekileyo anxulumene nekhadi ngalinye kwaye uwalungelelanise nemikhwa yakho yokuchitha.
Umzekelo, ikhadi letyala leVistara linika amatikiti ama-4 eklasi yeshishini ekuchitheni i-12 lakh ngonyaka.
Kwelinye icala, ikhadi letyala le-Axis Magnus linika amanqaku angama-25,000 ebhonasi EDGE REWARDS ngokuchitha i-1 lakh rupees ngenyanga.
Ukuqinisekisa ukuba ndisibetha rhoqo esi siganeko sibalulekileyo, ndiye ndasebenzisa indlela yobuchule kwinkcitho yam yenyanga.
Ndibhale phantsi iindleko zam ezisisigxina ezifana nokusevisa imoto, iiprimiyamu zeinshurensi yobomi, i-inshorensi yempilo iintlawulo, uhlaziyo lwe-inshorensi yemoto, izibophelelo zerhafu kwangaphambili, kunye nokuthenga okubalulekileyo kwekhaya lam kwinyanga yabo. Oku kundinika ingcaciso malunga nokuba yimalini endiza kuyichitha kwiindleko ezimiselweyo ekuqaleni kwenyanga.
Rhoqo ngenyanga, ndithenga ii-Rs 20,000 zexabiso leevawutsha zesipho ezivela eAmazon, eFlipkart, eDecathlon, naseMakeMyTrip. Ndenza zonke ezinye iindleko kwikhadi letyala le-Magnus de ndifikelele kwinqanaba lenyanga le-Rs 1 lakh.
Ndisebenzisa ikhadi letyala le-Axis Vistara Infinite kuzo zonke iindleko ezishiyekileyo, ndiqinisekisa ukuba ndibetha i-Vistara ye-milestones yonyaka.
4. Sebenzisa i-Transfer Partners ukufumana iXabiso eliphezulu loMvuzo (300-400 amagama)
Ndifumene amathikithi angama-5 eklasi yeshishini lamahhala-inhlanganisela yebhonasi yokubhalisa kunye nokubetha imilinganiselo yonyaka kunye nekhadi lekhredithi le-Vistara Infinite.
Ndifumene i-hack xa kuziwa ekusebenziseni amanqaku eMagnus EDGE REWARDS. Ngokuqhelekileyo, xa ukhulula la manqaku, ixabiso lawo limalunga ne-0.20 paisa ngenqaku.
Nangona kunjalo, unokudlulisa amanqaku omvuzo we-EDGE kwi-Club Vistara kwi-5: 4, oku kuthetha ukuba unokuguqula i-25,000 EDGE amanqaku okuvuza kwii-20,000 ze-club ye-Vistara.
Ngamanqaku angama-20,000 eVistara, ungabhukisha itikiti leklasi yeshishini lasekhaya elixabisa ubuncinci be-Rs 14,000. Ukongeza, amanqaku eVistara angasetyenziselwa ukubhukisha iinqwelomoya zamazwe ngamazwe.
Ngokufikelela rhoqo kwinkcitho yenyanga eyi-1 lakh rupees kwikhadi lakho letyala leMagnus, unokufumana ukuya kuthi ga kwi-12 yamatikiti eklasi yeshishini simahla minyaka le.
Ungasebenzisa ikhadi letyala leMagnus kunye neVistara ukufumana amatikiti ali-17 asimahla eklasi yeshishini ekuchitheni intsilelo engama-24 ngonyaka.
Xa kuziwa ekufumaneni elona xabiso lilungileyo lomvuzo kwikhadi letyala, kubalulekile ukuba wenze njalo khetha ikhadi letyala elifanelekileyo ngokusekelwe kwimikhwa yakho yokuchitha. Ukuba inkcitho yekhadi lakho lokuthenga ngetyala iphantsi ngokwentelekiso, usenokungakwazi ukonwabela ngokupheleleyo iinzuzo ezibalulekileyo eziza namakhadi okuthenga ngetyala.
Kwelinye icala, ukuba inkcitho yakho yekhadi letyala lonyaka idlula i-10 lakh rupees, unokufumana elona xabiso lilungileyo lomvuzo ngokwemilinganiselo eyongeziweyo yemivuzo, izinto ezikhethekileyo, kunye nokufikelela kwiinkonzo zeprimiyamu ngamakhadi etyala eprimiyamu.
Shiya iMpendulo