Ubuchwepheshe bukhula ngokushesha kunangaphambili, futhi izinhlelo zokusebenza zezwe ezisekelwe kusikweletu azihlukile.
Njengoba kunezinketho eziningi emakethe, kuyadida ekukhetheni okungcono kakhulu kuwe.
Ngikhulume ngezinhlelo zokusebenza ezingcono kakhulu zekhredithi ongazisebenzisa ngesikhathi esivumelana nawe.
Lolu hlu luhlanganisa okuvelele kwazo zonke lezi zinhlelo zokusebenza kanye nezici zazo eziphezulu nezilinganiso zohlelo lokusebenza.
Ngakho-ke ake singene siqonde ohlwini futhi sibone uhlelo lokusebenza lwekhadi lesikweletu lokuqala e-India.
Ikhadi le-Uni
I-UniCard isanda kuba sematheni ngesu layo lokumaketha lokuvumela abasebenzisi ukuthi bahlukanise izikweletu zabo zibe izingxenye ezintathu futhi bakhokhe ezinyangeni ezintathu ezizayo ngaphandle kwezindleko ezengeziwe. Iphinde inikeze izinketho ze-EMI zezinyanga eziyi-6,9,12,18+.
Isekelwa yi-Visa, i-UniCard yamukelwe cishe ku-99% wezindawo ezweni lonke. Futhi uthola ikhadi lesikweletu elibonakalayo ngokushesha ngemuva kokubhalisa kuhlelo lokusebenza kuze kube yisikhathi lapho ikhadi lakho eliphathekayo lifika ngalo. Funda isibuyekezo sethu esigcwele se-Uni Card.
Izici eziphezulu
- Imbuyiselo esheshayo engu-1% ekukhokheni inani eliphelele ezinsukwini ezingama-30
- Imbuyiselo engu-100% uma kwenzeka kukhona izimali ezikhokhiswayo ngaphandle kokwazi kwakho
- Khiya ikhadi lakho ngokuchofoza okukodwa uma kunesimo esiphuthumayo
- 24×7 ukwesekwa kwamakhasimende nosizo
- Imali enguziro yokucubungula
- Isilinganiso sohlelo lokusebenza- 4.5 izinkanyezi
Slice
I-Slice iwuhlelo lokusebenza olukhethekile lwabafundi oluvumela intsha yezwe ukuthi isebenzise isikweletu ukukhokha izikweletu zayo.
Inikeza abasebenzisi ukuthi bahlukanise izikweletu zabo futhi bazikhokhe ngaphezu kwezinyanga ezi-3 ngaphandle kwezindleko ezengeziwe. Inikeza cishe ama-Rs.10 lakhs esikweletu, Ucezu lusetshenziswa abasebenzisi abangaphezu kwezigidi ezingu-12 ezweni.
Ucezu luvumela ngisho nalabo basebenzisi abangenawo amaphuzu e-CIBIL. Noma ubani ongaphezu kweminyaka engu-18 angafaka isicelo kalula futhi aqale ukujabulela amasevisi ayo.
Izici eziphezulu
- Ukwenza kusebenze i-akhawunti ngaphansi kwamahora angama-24
- Itholakala ezindaweni eziningi ezinkulu ze-e-commerce e-India okuhlanganisa i-Amazon, i-Flipkart, ne-Snap Deal.
- Imbuyiselo esheshayo engu-2% nge-Slice super card
- Ayikho imali ekhokhwa minyaka yonke
- Isilinganiso sohlelo lokusebenza-4.6 izinkanyezi
I-OneCard
I-OneCard inikeza inkokhelo esheshayo ngesikweletu sayo bese kamuva ihlukanise inani ngama-EMI anyanga zonke njengokunethezeka kwekhasimende.
Iphinde inikeze i-metallic credit card ngokubambisana namanye amabhange aphezulu okubalwa i-IDFC First Bank, iSouth Indian Bank, iSBM Bank, kanye neBank of Baroda Financial. Abasebenzisi bangakwazi ukugibela ngokushesha futhi baqale ukusebenzisa izinzuzo zekhadi.
I-OneCard iphinda inikeze imiklomelo efika ku-5x ezigabeni ezi-2 eziphezulu zomlando wakho wokusebenzisa imali. I-interface esebenziseka kalula inikeza izibuyekezo ezifika ngesikhathi futhi ivumela abasebenzisi ukuthi balandele zonke izindleko zabo.
Izici eziphezulu
- Yenza kusebenze i-akhawunti yakho entsha ngaphansi kwamaminithi angu-5 kalula
- Hlukanisa kalula inani lakho kuma-EMI
- Thola ikhadi lesikweletu lensimbi lekhwalithi ephezulu
- Phatha ama-EMIs akho ngedeshibhodi ye-EMI ngaphandle kosizo noma ukwesekwa
- Imiklomelo efike ngesikhathi kanye neminikelo
- Isilinganiso sohlelo lokusebenza- 4.3 izinkanyezi
Paytm Credit Card
Enye yezinhlelo zokusebenza zokuqala zokukhokha kwedijithali ezweni i-Paytm inikeza izinsiza zezikweletu kubasebenzisi bayo ngezinzuzo eziningi. I-Paytm inikezela ngamakhadi esikweletu anebhrendi ehlangene namabhange ahlukahlukene njenge-SBI futhi inikeza okunikezwayo okuningi kanye nokubuya kwemali.
Ikhadi lesikweletu liyamukelwa ezweni lonke futhi lingelinye lamakhadi aziwa kakhulu, okwenza libe lula kakhulu.
Amakhadi esikweletu e-Paytm anikezela ngembuyiselo engu-1% kuzo zonke izinto ezenziwa ngamakhadi awo. Kuyasiza futhi ekwakheni isikolo se-CIBIL sabasebenzisi ngezinsiza zayo zezikweletu.
Izici eziphezulu
- Inqubo yedijithali engu-100% yokwenza imibhalo
- 5% imbuyiselo e-Paytm Mall
- Qalisa ngaphandle kwenkokhelo yokuvula
- Kwamukelwe ezindaweni ezingaphezu kuka-1 crore ezweni lonke
- Isilinganiso sohlelo lokusebenza-4.6 izinkanyezi
I-LazyPay
I-Lazypay, enye i-app yezikweletu edumile ezweni inikeza ukukhokhelwa kwezikweletu ngokushesha nge-UPI. Ungakwazi ukukhokha izikweletu zakho ngokusebenzisa izikhungo zezikweletu futhi uzibuyisele ezinsukwini ezingu-15 ngaphandle kwenzalo.
I-Lazypay inikeza izikweletu ezifika ku-Rs.5 lakhs ngokusekelwe kumphumela womsebenzisi we-CIBIL. Iphinde inikeze okunikezwayo ngesikhathi kwezinye izinkundla ezidume kakhulu ezihlanganisa iZomato, Swiggy, Rapido, Mcdonald's, nokunye okuningi.
Uthola ikhadi lesikweletu eliphathekayo futhi ongalisebenzisa ekuthengeni ungaxhunyiwe ku-inthanethi. Futhi ingxenye engcono kakhulu, ukuvunyelwa kwabo kuphezulu kakhulu ku-99%.
Izici eziphezulu
- I-KYC esheshayo, engenaphepha phakathi nemizuzu
- Sebenzisa uhlelo lokusebenza lwe-Lazypay mahhala impilo yakho yonke
- Azikho izimali zonyaka noma izinkokhiso ezifihliwe
- Imiklomelo ekhangayo kanye nembuyiselo yemali
- Thola ibhonasi eyamukelekile
- Isilinganiso sohlelo lokusebenza- 4.4 izinkanyezi
Wizi
I-Wizi inikeza abasebenzisi bayo amakhadi esikweletu ahlukahlukene avela emabhange aphezulu ezweni. Akusizi kuphela ekucubunguleni ikhadi elisha lesikweletu, kodwa futhi kuyasiza ekuphatheni amakhadi akho esikweletu akhona ngesibonisi esisebenziseka kalula.
Nge-Wizi, ungakwazi ukukhokha kalula izikweletu zakho futhi kamuva uzihlukanise zibe ama-EMI njengokuthanda kwakho.
Izici eziphezulu
- Ukugunyazwa okusheshayo ngesikhathi sokubhalisa
- Awekho amaphepha adingekayo ngenkathi ugibela
- Ukucaca okuphelele
- Isebenzisana namabhange aphezulu ezwe okuhlanganisa i-ICICI Bank, i-American Express, nokuningi.
- Khokha izikweletu, ama-EMIs, nokunye okuningi kusuka endaweni eyodwa.
- Isilinganiso sohlelo lokusebenza- 4.3 izinkanyezi
Ikhadi le-Bajaj Finserv
I-Bajaj Finserv inikeza amakhadi esikweletu asekelwe kuhlelo lokusebenza ahlukahlukene, ebambisene namabhange e-RBL kanye ne-DBS. Ungamane uye endaweni yesikhulumi futhi ubhalise. Uma isikolo sakho se-CIBIL singama-750+, uzofaneleka ukuthola ikhadi lesikweletu.
Ungakwazi ukuguqula inkokhelo yakho kalula ibe ama-EMI uma inani lingaphezu kuka-Rs.2500.
Ungasebenzisa ngisho ikhadi ukukhokha izikweletu zakho kumapulatifomu ahlukahlukene.
Izici eziphezulu
- Ukugunyazwa Kwemalimboleko Esheshayo ngenzalo encane
- Ayifaki izindleko ezifihliwe
- Ayikho inzalo ekukhishweni kwemali izinsuku ezingama-50
- Thola ukufinyelela kwe-8 Airport lounge ngonyaka
- Thola isaphulelo esisheshayo esingu-5% enkokhelweni ephansi kunoma yisiphi isitolo sozakwethu be-Bajaj Finserv.
- Isilinganiso sohlelo lokusebenza- 4.2 izinkanyezi
Thumela Pe
I-Post Pe iwuhlelo lokusebenza lwe-Buy-manje-pay-kamuva oluphethwe yi-BharatPe oluvumela abasebenzisi ukuthi bathole amakhredithi futhi bawasebenzise ezindaweni ezihlukahlukene. Ungakwazi ukukhokha inani lenzalo engu-0 esikhathini esiyizinsuku ezingu-30.
Iphinde inikeze isikweletu esingafika ku-Rs.10 lakhs kubasebenzisi ngokusekelwe kumphumela we-CIBIL.
I-PostPe inikeza isici sokuskena abasebenzisi abangakhokha ngaso ngokushesha ngamakhodi e-QR futhi kamuva babuyisele ngama-EMI. Umthethosivivinywa ukhiqizwa ngomhlaka-1 nyanga zonke.
Abasebenzisi futhi banenketho yokuhlukanisa ngama-EMIs anyanga zonke angu-3/4/5/6.
Izici eziphezulu
- Sebenzisa ikhadi le-Postpe ukuthenga ku-inthanethi noma ungaxhunyiwe ku-inthanethi
- Bhalisa ngokushesha nge-Whatsapp
- Bheka kuhlelo lokusebenza bese uzuza imbuyiselo efika ku-5%.
- Thumela imali koxhumana nabo noma i-akhawunti yakho yasebhange ngaphandle kwezinkinga
- Ikhredithi engenanzalo kufika ezinsukwini ezingu-30
- Isilinganiso sohlelo lokusebenza-4.1 izinkanyezi
I-Aspire
Elinye lamakhadi esikweletu okuqala edijithali e-India, i-Aspire inikeza izinsiza eziningi neminikelo kubasebenzisi. Sebenzisa ikhadi ukuze ukhokhe ngokushesha kunoma isiphi isitolo. Ungakwazi ngisho nokuhlukanisa inkokhelo yakho ibe izitolimende ezi-4 ngenzalo engu-0%.
Vele ungene ngemvume kuhlelo lokusebenza ngenombolo yakho yeselula exhunywe ne-UPI futhi uthole umkhawulo wakho wesikweletu. Awudingi ikhadi lesikweletu elikhona noma isikolo se-CIBIL ukuze usebenzise uhlelo lokusebenza.
Izici eziphezulu
- Inqubo yokubhalisa eyimizuzu engama-5
- Phatha i-akhawunti yakho ngokuphelele kuselula yakho
- Ukuchofoza okukodwa kokuphuma ngamathani abathengisi
- Azikho izimali ezikhokhwayo
- Imali ekhokhelwa nyanga zonke
I-IndMoney
I-IndMoney isazokwethula isikweletu sayo, kodwa izimemezelo zizwakala zithembisa impela. Ungakwazi kalula ukuthenga Amasheya ase-US kusuka endaweni yesikhulumi okwenza kube olunye lwezinhlobo kulolu hlu. Izimali ezihlangene, Igolide ledijithali, Amasheya, umshwalense, nokunye okuningi.
Uhlelo lokusebenza futhi inikeza i-tracker yezindleko, ukutshalwa kwezimali okusekelwe ku-AI, nezinye izici ezenza kube usizo kakhulu. Ungakwazi ngisho nokuthenga ama-IPO ohlelweni lokusebenza.
Isizathu sokuthi ngifune ukwengeza i-INDmoney ohlwini kungenxa ye-IND Super Credit Card yabo ezayo, ngokubambisana ne-SBM Bank. Okwamanje, ungajoyina uhlu lokulinda ngokufaka uhlelo lokusebenza lwe-INDMoney.
Izici eziphezulu
- Thola amathani ezinketho zokutshala imali kuhlelo lokusebenza
- Interface yomsebenzisi-friendly
- I-tracker yezindleko ezigcwele ukuphatha izimali zakho
- Isiza ekuhleleni intela
- Imiklomelo yamahhala ngokujoyina
- Isilinganiso sohlelo lokusebenza- 4.4 izinkanyezi
OlaMoney
Ibusa emkhakheni wezokuthutha, i-OlaMoney iphinde yethula ikhadi layo lesikweletu nge-SBI. Ungakwazi ngokushesha ukuthola amasevisi ngokubhalisa okusheshayo. Ikhadi lingasetshenziselwa ukukhokha izikweletu, ukusula ama-EMIs, nokunye okuningi.
Iphinde inikeze okunikezwayo okuhlukahlukene kokubuyiselwa kwemali kubasebenzisi bayo kanye nokubuyiselwa kwemali okungu-1% kukho konke okwenziwayo ngaphandle kokulayishwa kwe-e-wallet.
Izici eziphezulu
- Azikho izimali zokujoyina
- Inqubo yokugibela ebushelelezi
- Ukubuyiselwa kwemali okungu-7% kukho konke ukugibela kwe-Ola
- Imititilizo yokwamukela ebiza u-Rs.10,000
- Thola isaphulelo sika-10% esikhethekile ekubhukheni Ihhotela kanye nesaphulelo sika-5% ekubhukheni Indiza
- Isilinganiso sohlelo lokusebenza- 2.6 izinkanyezi
i-vCard
I-vCard inikeza inqubomgomo yenzalo engu-0% kusikweletu izinsuku ezingu-50. Abasebenzisi bangakwazi ukuhlenga isikweletu sabo ngokushesha futhi basidlulisele ku-akhawunti yabo noma basisebenzisele ukukhokhela noma yimuphi umthengisi noma abangani bakhe.
I-vCard iphinde inikeze isevisi engenamthungo enokwesekwa kwamakhasimende okungu-24×7. Ungasebenzisa uhlelo lokusebenza ukulandelela izindleko zekhadi lakho lesikweletu.
Izici eziphezulu
- Ukusetha okungenazinkinga nge-KYC engenamaphepha
- Izipesheli ezenziwe zaba ngezakho nezikhethekile ezivela kubathengisi
- Isiza ekuthuthukiseni isikolodo sabasebenzisi
- Imbuyiselo ngesikhathi kanye nemiklomelo yabasebenzisi
- Isilinganiso sohlelo lokusebenza- 2.4 izinkanyezi
Lezi bekuyizinhlelo zokusebenza eziphezulu zamakhadi esikweletu angu-12 e-India. Izinga lisuselwa enanini lezici nezibuyekezo zezinhlelo zokusebenza.
Iluphi uhlelo lwakho lokusebenza lwekhadi lesikweletu oluthandayo lokuthenga?
Ngazise esigabeni sokuphawula.
Ujwal Bhai Sood
Ngiyazithanda izinhlelo zokusebenza ezifana ne-Slice ngoba zikwenza kube lula ukuphatha izimali zami. Ngihlala ngazi ukuthi ibhalansi yami iyini nokuthi yini engingayisebenzisa.
Ashish
Sicela uqaphele ukuhlukanisa inani ku-UNI, i-SLICE engenanzalo akwenzeki, ngaphambi kwalokho bekungenzeka. Njengoba lokhu okuthunyelwe kusanda kubuyekezwa wayefuna ukucacisa leli phuzu. Alukho uhlelo lokusebenza engilutholile kuze kube manje olungakwazi ukuguqula imali ku-EMI Engenazindleko.
Kodwa ngiyabonga ngeposi.
Vihit
I-Jupiter ingcono abafana; ngazo zonke izindlela