Inketho engiyithandayo yamakhadi esikweletu yikhadi lembuyiselo kunekhadi lephoyinti lomvuzo.
Uma usebenzisa ikhadi lesikweletu le-cashback ukwenza izinkokhelo, uthola imali ewuketshezi iqonde ku-akhawunti yakho njengomvuzo.
Ngokungafani namaphuzu esikweletu, okungeyona imali yangempela ngoba awukwazi ngempela ukuyisebenzisa kunoma yini oyifunayo. Ungashintsha amaphuzu ube amakhuphoni, amavawusha, noma uthenge okuthile esitolo esixhasiwe, futhi yilokho.
Okungikhawulela kakhulu. Ikakhulukazi uma nginenketho yokuzuza imiklomelo yemali.
Nawa amakhadi esikweletu angu-7 ahamba phambili anikezela ngemiklomelo yembuyiselo e-India.
1. I-ICICI Sapphiro Credit Card
I-ICICI Sapphiro iyikhadi lesikweletu eliyi-premium elikunikeza umkhawulo wesikweletu ophakeme kanye namaphoyinti e-Payback engeziwe kuye ngokuthi uchitha nge-MasterCard noma ngekhadi le-American Express.
Uma usebenzisa i-MasterCard ukwenza izinto zasekhaya (ubuncane obungu-RS 100), uthola amaphuzu okukhokha angu-2 kanye namaphoyinti okukhokha angu-4 kokwenziwe ngamazwe ngamazwe.
Uma usebenzisa i-AmericanExpress, uthola amaphuzu angu-4 okukhokha nge-RS ngayinye. I-100 esetshenziswe emisebenzini yasekhaya kanye namaphoyinti angu-6 kukho konke okwenziwa ngamazwe ngamazwe. Ngaphandle kokuthenga uphethiloli.
Mayelana nokuthola amaphuzu okubuyisela, i-ICICI Sapphiro iphezulu njengoba ingena emakethe njengamanje.
Ungasebenzisa futhi amaphuzu okukhokha ukuze ukhokhe isikweletu sakho sekhadi lesikweletu. Iphoyinti ngalinye lokubuyisela libiza u-Rs. 0.25, futhi ungakwazi ukuhlenga wonke amaphuzu akho uwabuyisele imali. Inani lokuhlengwa liya ngqo ku-akhawunti yakho yekhadi lesikweletu le-ICICI.
Abanikazi bamakhadi e-ICICI Sapphiro bathola amaphuzu okukhokha angu-2000 kuyo yonke i-RS. 100,000 esetshenzisiwe kanye namaphoyinti angu-4000 ku-RS ngayinye. 400,000 esetshenzisiwe.
Kunemiklomelo engukheshi yokusebenzisa noma iyiphi imali engaphezu kuka-5,00,000 ngonyaka.
Izinzuzo zekhadi le-ICICI Sapphiro:
- 2 indawo yokuphumula yamazwe ngamazwe njalo ngekota namaseshini angu-2 e-spa amahhala ezikhumulweni zezindiza
- 4 indawo yokuphumula yasekhaya njalo ngekota
- Ukufinyelela emizuliswaneni yegalofu etholakalayo ezinkundleni zegalofu eziphambili emhlabeni jikelele
- Imiklomelo yemali ekusebenziseni ngaphezu kwe-RS. 5,00,000 kanye ne-10,00,000 (yasekhaya neyamazwe ngamazwe)
Ubani okufanele akhethe ikhadi le-ICICI Sapphiro:
I-ICICI Sapphiro iyikhadi lesikweletu eliyi-premium elinomkhawulo ophezulu, izinzuzo ezikhethekile, okusho ukuthi ukujoyina okuphezulu kanye nenkokhelo yonyaka.
Uma izindleko zakho zonyaka zingaphezu kuka-RS 600,000, khona-ke leli yikhadi lesikweletu elingcono kakhulu mayelana neminikelo ekhethekile nokonga. Funda isibuyekezo esigcwele se-ICICI Sapphiro lapha.
Iya kuwebhusayithi ye-ICICI Bank bese ufaka isicelo
2. Citibank Cash Back Card
Ikhadi le-Citibank Cashback liyikhadi lesikweletu elidume kakhulu, futhi abantu bayakujabulela ukulisebenzisa emisebenzini yansuku zonke.
Futhi kungenye yezilula ukuthola ukugunyazwa kwayo. Uma uyisisebenzi esiholayo, maningi amathuba okuthi ugunyazwe ukuthola ikhadi le-Citibank lokubuyisela imali uma ngabe unesikolo esingaphansi kwesilinganiso esimaphakathi.
Ikhadi le-Citibank Cashback linikeza i-flat 0.5% yenani lokwenziwe njengembuyiselo. Kuwo wonke u-1,00,000 osetshenzisiwe, uthola imbuyiselo engu-500.
Futhi uzuza imbuyiselo engu-5% ngaphezulu ekuthengeni amathikithi e-movie nasekukhokhweni kwezinsiza nezikweletu.
Inani lemali eyimbuyiselo lifakwa ngokuzenzakalelayo ku-akhawunti yekhadi lakho lesikweletu njalo lapho uqongelela u-RS—500 ngembuyiselo.
Izinzuzo zekhadi le-Citibank Cashback:
- Imali ephansi yokujoyina - RS. 500 (Akukho ukuyekwa kwemali)
- I-Cashback auto credits
- Ukugunyazwa okulula - kulungele abasaqalayo
Ubani okufanele akhethe ikhadi le-Citibank Cashback:
Ikhadi le-Citibank Cashback lilungele wonke umuntu, kodwa abaqalayo bangazuza kakhulu. Izinkokhelo zokujoyina eziphansi, i-auto cashback-credit kanye nokugunyazwa okulula kuyisizathu esiyinhloko esenza kube ukukhetha okuhle.
Iya kuwebhusayithi ye-Citibank bese ufaka isicelo
3. I-ICICI Coral Credit Card
Ikhadi le-ICICI Coral kwakuyikhadi lami lokuqala lesikweletu.
Ikhadi lesikweletu elingabizi kakhulu uma liqhathaniswa namanye asohlwini. Ikhadi le-ICICI Coral lifaneleka ngokuphelele ukuqalisa kwabaqalayo.
Uthola amaphuzu okukhokha angu-2 nge-Rs ngayinye. 100 esetshenzisiwe. Ngaphandle kokuthenga uphethiloli.
Endabeni yokuthengwa kukaphethiloli, uthola inkokhiso eyengeziwe engu-1% eyekiwe uma wenza imisebenzi engaphansi kwe-RS. 5000.
Ingxenye engcono kakhulu ukuthi ungasebenzisa amaphuzu okubuyisela ukuze ukhokhele isikweletu sakho sekhadi lesikweletu le-ICICI.
Izinzuzo zekhadi le-ICIC Coral:
- Imali ekhokhwa ngonyaka - RS. 500 + GST. Inkokhelo yonyaka iyayekwa uma usebenzisa ama-Rs. 150,000 noma ngaphezulu ngonyaka.
- Ukufinyelela endaweni yokuphumula yezindiza ze-VISA/MasterCard kanye ngekota.
- Ukufinyelela endaweni yokuphumula yesitimela kanye njalo ngekota.
- Imiklomelo yemali ekusetshenzisweni konyaka ngaphezu kwe-RS. 300,000.
Ubani okufanele akhethe ikhadi le-ICICI Coral:
I-ICICI Coral ingcono kakhulu kubathengi abajwayelekile abasebenzisa ikhadi lesikweletu ukuze bachithe imali ezindlekweni zansuku zonke.
Uma ungahambi kakhulu futhi uzimisele ukonga imali ezinkokhelweni zonyaka, lena yisinqumo esifanele. Funda ukubuyekezwa okugcwele kwe-ICICI Coral lapha.
Iya kuwebhusayithi ye-ICICI Bank bese ufaka isicelo
4. HDFC Bank MoneyBack Credit Card
Enye inketho enhle yekhadi lokubuyisela imali ivela ebhange le-HDFC - ikhadi lesikweletu le-MoneyBack.
Leli yikhadi lesikweletu lezinga lokungena. Ikhadi le-HDFC MoneyBack lingelinye lakulula ukuligunyaza. Okudingayo i-akhawunti yasebhange ye-HDFC, futhi uma ungenawo amaphuzu esikweletu ampofu, uzoyithola mahhala.
Uzuza amaphoyinti omklomelo angu-2 kumsebenzi ngamunye wama-Rs. 150 ngokuswayipha nokunye okwenziwa ungaxhunyiwe ku-inthanethi.
Uma usebenzisa ku-inthanethi, uzuza amaphoyinti omklomelo angu-4 nge-Rs ngayinye. 150 esetshenzisiwe. Kukhona ibhonasi eyingqophamlando ka-Rs. 500 E-vawusha ekusebenziseni RS. 50,000 ngekota.
Izinzuzo ze-HDFC MoneyBack Card:
- Ubulungu bonyaka wokuqala bumahhala (Kuyekiwe ekusebenziseni u-RS. 1 ngonyaka)
- Ukugunyazwa okuqinisekisiwe kwabasebenzi abaholayo
- Uma usuqongelele i-RS. 500 amaphuzu omklomelo, ihlenga ngokuzenzakalelayo imali ezuziwe ku-akhawunti yekhadi lesikweletu.
Ubani okufanele akhethe Ikhadi le-HDFC MoneyBack:
Liyizinga lokungena kanye nekhadi lesikweletu eliyisisekelo kakhulu.
Kodwa-ke, i-HDFC ayinikezi nganoma yiziphi izinsiza zesihle noma izinzuzo zamahhala ekhadini le-MoneyBack. Noma ubani odinga ukulungisa isikolo sakhe sesikweletu noma ofuna ikhadi lesikweletu lamahhala njengendlela yokwenza ikhophi yasenqolobaneni angalikhetha. Funda isibuyekezo esigcwele sekhadi le-HDFC Moneyback lapha.
Iya kuwebhusayithi yebhange le-HDFC futhi ufake isicelo
5. IndusInd Iconia Amex Credit Card
I-IndusInd ingelinye lamabhange ahamba phambili abathandi bamakhadi esikweletu.
Ikhadi le-IndusInd Iconia lenzelwe abathandi bezimpelasonto. Uma uthanda ukuya ngaphandle ukuze uthole ukudla kwakusihlwa, amamuvi, namaphathi, kufanele nakanjani ukuhlole.
Kuwo wonke ama-RS. 100 owuchithayo, uzozuza amaphoyinti omvuzo angu-2 ngezimpelaviki kanye no-1.5 phakathi neviki.
Nansi into ozoyithanda:
Inani lephoyinti lomklomelo elingu-1 lingu-Rs. 1. Okusho ukuthi uhola amakhredithi angu-500 njalo uma usebenzisa i-RS. 10,000. Lokho inani lokusangana.
Izinzuzo zekhadi le-IndusInd Iconia:
- Ukuvakasha okungenamkhawulo kwendawo yokuphumula yesikhumulo sezindiza (Ekhadini le-AMEX kuphela)
- Imizuliswano yegalofu ethokomele kanye nezifundo
- 1+1 amathikithi e-movie amahhala ngenyanga
- Amasevisi e-concierge
- Imali yokujoyina kanye - ayikho imali yonyaka
Ubani okufanele akhethe Ikhadi le-Indusind Iconia:
I-IndusInd Iconia iyikhadi lesikweletu elilungele wonke umuntu. Yize inezinzuzo ezinkulu zabadla kanye nabasebenzisa imali ngezimpelaviki, uhlelo lokuklomelisa oluhlinzekwa yibhange le-IndusInd lungolunye oluhamba phambili emakethe.
Inesilinganiso sokugunyazwa esisesilinganisweni, kodwa kufanele ukwazi ukuthola imvume enamaphuzu amahle esikweletu kanye nemibhalo yemali engenayo efanele.
Iya kuwebhusayithi ye-IndusInd Bank bese ufaka isicelo
6. I-American Express Platinum Travel Credit Card
I-AMEX Platinum Travel Card iyinhlanganisela ekahle yokunikezwayo okukhethekile kanye nokubuyiselwa kwemali kwabahambi. Ikhadi lesikweletu elimangalisayo elinikeza izinzuzo ezinkulu kwabathanda ukuhamba.
Ikhadi lesikweletu eliyi-premium elinikeza amavawusha akhethekile namabhonasi ayingqopha-mlando ekusebenziseni okusesilinganisweni.
Uzuza iphoyinti lomklomelo elingu-1 kuwo wonke ama-Rs. 50 esetshenzisiwe (ngaphandle kwezinkokhelo zikaphethiloli nezikweletu). Ungasebenzisa lawa maphuzu omvuzo ukuze uthenge ku-inthanethi, uthole amavawusha ohambo, futhi uwaguqule ube amakhadi esipho kanye nokukhokha izikweletu.
I-AMEX Platinum iphinde inikeze izinzuzo eziningi ezibalulekile njenge:
- Amavawusha okuhamba abiza u-Rs. 9,440 ekusebenziseni ama-Rs. 4 lakhs ngonyaka
- Zuza amaphoyinti omklomelo angu-7,500 namavawusha okuhamba abiza u-Rs. 5000 ekusebenziseni ama-Rs. 1.90 lakhs ngonyaka
- Thola ikhadi le-Taj Experience E-Gift elibiza u-Rs. 10,000 ekusebenziseni ama-Rs. 4 lakh
Imali yokujoyina yaleli khadi ngu-Rs 3500 kanye no-Rs 5000 kusukela onyakeni wesibili kuqhubeke.
Izinzuzo zekhadi lokuhamba le-American Express Platinum:
- Izinzuzo eziyingqopha-mlando ezingeziwe kunamanye amakhadi
- Amaphuzu emivuzo engeziwe uma kuqhathaniswa nomncintiswano
- Isibopho sezomthetho sokulahlekelwa yikhadi (uma kubikwe ngaphansi kwezinsuku ezi-3)
- Izinzuzo ezinhle nokunikezwa okukhethekile kwabahambi
Ubani okufanele akhethe Ikhadi Lokuhamba le-American Express Platinum:
Uma uhamba kakhulu futhi ufuna ikhadi lesikweletu lokuhamba nge-premium, i-AMEZ Express Platinum ilungele wena.
Iya kuwebhusayithi ye-American Express bese ufaka isicelo
7. I-Standard Chartered Super Value Titanium Credit Card
Okokugcina, ikhadi lesikweletu elonga imali emisebenzini yansuku zonke futhi likuklomelise ngokusebenzisa imali ezintweni ezisetshenziswayo nakuphethiloli.
I-SC Super Value Titanium yikhadi lesikweletu elilodwa elihlola wonke amabhokisi omthengi ojwayelekile ofisa ukonga imali ezindlekweni ezibalulekile ezifana nezikweletu zendlu nophethiloli.
Uzuza iphoyinti lomklomelo elingu-1 ngawo wonke ama-Rs. 105 esetshenzisiwe. Bese uthola imbuyiselo engu-5% ezikweletini zikaphethiloli ngomsebenzi ngamunye uma ungeqi ama-Rs. 2000.
Kukhona imbuyiselo engu-5% kuzo zonke izikweletu zefoni nezindleko zezinsiza.
Izinzuzo zekhadi le-Standard Chartered Super Value Titanium:
- Elinye lamakhadi esikweletu amahhala elizonikeza imbuyiselo ekusetshenzisweni kwezinsiza kanye nelinye laphakeme kakhulu ngo-5%.
- Ukujoyina okuphansi nomuzwa wonyaka wama-Rs. 750 (yehlisiwe ekusebenziseni ama-Rs. 90,000 ngonyaka)
- Ukugunyazwa okulula kwabazisebenzayo
Ubani Okufanele Akhethe Ikhadi Lesikweletu Le-Standard Chartered Super Value Titanium:
Noma ubani ozimisele ngokuba nekhadi lesikweletu elingabizi futhi ofisa ukonga imali ezikweletini ezibalulekile nakuphethiloli kufanele akhethe i-SC Super Value Titanium Card. Funda isibuyekezo esigcwele sekhadi le-Standard Chartered Super Value lapha.
Iya kuwebhusayithi ye-Standard Chartered futhi ufake isicelo
Isiphetho
Ikhadi lesikweletu elingcono kakhulu kuwena yilelo elifanelana nezidingo zakho zokusebenzisa imali kanye nemikhuba yakho. Kunezinhlobonhlobo zezinketho nekhadi eliyingqayizivele lawo wonke umuntu.
Usanda kuthola amanye amakhadi esikweletu ahamba phambili emakethe. Ikhadi ngalinye kulawa lihlinzeka ngomnikelo okhethekile kanye nenzuzo yohlobo oluthile lomsebenzisi. Khetha leyo ocabanga ukuthi ihambisana nendlela yakho yokuphila.
Kunjalo, gcina isikolo sakho siphezulu ukuze uthole ngokushesha futhi uqinisekise ukugunyazwa kwamabhange amakhulu.
Imibuzo? Yimaphi amakhadi amasha ongathanda ukuwaphakamisa? Phawula ngezansi.
shiya impendulo