Noma nini lapho sikhuluma ngamabhange azimele e-India, i-HDFC Bank igama elilodwa eliza kuqala.
Ngesevisi yamakhasimende esezingeni lomhlaba, i-HDFC izakhele indlela yayo ekutholeni ukwethenjwa yizwe ebelilokhu lixakeke ngamabhange omkhakha kahulumeni njengeBhange Lombuso lase-India kanye neBhange Likazwelonke lase-Punjab.
Ihlanganiswe ngo-1994, i-HDFC yazuza isisekelo samakhasimende e-India ngokusevisa ingxenye yezwe ye-elitist ngezidingo zayo zebhange ezihamba phambili.
Kodwa-ke, ibhange liye langena kancane kancane emakethe ephakathi ngokusebenzisa imali yalo yokonga kanye nezinketho ze-akhawunti zamanje, futhi okubaluleke kakhulu, ngokusebenzisa credit card izinsiza. Ikhadi elilodwa elivela ku-HDFC yi-MoneyBack Credit Card.
Sonke siyakwazi ukuthatheka kwamabhange ngezikolo zezikweletu uma kukhulunywa ngokukhipha amakhadi esikweletu, akunjalo?
Kodwa i-HDFC ibonakala iskene kahle imakethe futhi yanquma ukuqhamuka nekhadi elingagxili kakhulu ngamaphuzu esikweletu. Kunalokho igcizelela amandla emali engenayo yomuntu ngamunye.
Lokhu kubangele ukuthi i-HDFC MoneyBack Credit Card ingene kubantu abaningi beminyaka eyinkulungwane base-India abasanda kuqala ukukhulisa amaphuzu abo esikweletu.
Yengeza kukho imali ephansi yesondlo yonyaka kanye Nemiklomelo yesici se-Cashback, futhi 'unegugu lekhadi lesikweletu' elenzelwe i-Gen Z kanye nezibalo zabantu zeminyaka eyinkulungwane.
Amaphuzu esikweletu wuhlelo lokwethembeka komuntu njengomthengi nomkhokhi wemalimboleko. Ukuthembeka kwakho njengomthengi kwakhelwe enanini lama-akhawunti ezezimali onawo, indlela osebenzisa ngayo imali, ukuthi izikweletu zakho zikhokhwa ngesikhathi, umlando wakho wokuthatha imali mboleko kanye nokukhokha imali oyibolekile, nezinye izici ezinjalo ezinquma impilo yokuphatha izikweletu zakho. Amanani wamaphuzu esikweletu aphakathi kuka-300-850. Okuphakeme, kungcono. |
Ziningi izici eziyinhloko zaleli khadi, futhi ngaphambi kokuba sikhiphe isinqumo sethu mayelana nemiphumela efiselekayo yaleli khadi, ake sibheke izinzuzo, izici, kanye nezinkokhelo zaleli khadi.
Izinzuzo ze-HDFC MoneyBack Credit Card
WAMUKELA USIZO
500 Amaphuzu Emali, kuncike ekukhokhweni kwemali yobulungu.
INZUZO YENKULUMO KAFUTHA
1% ukuyekwa kwenkokhelo kaphethiloli ekuthengeni okuncane okungama-Rs. 400 kuzo zonke iziteshi zikaphethiloli kulo lonke elaseNdiya.
Umkhawulo wemali ebuyisiwe ngomjikelezo ngamunye wesitatimende ngu-Rs. 250.
IZINZUZO EZIYIMILESTONE
Imali yobulungu yokuqala noma yonyaka wokuqala yama-Rs. 500 iyayekwa ekusetshenzisweni okuncane kwama-Rs. 20,000 ezinyangeni ezi-3 zokuqala ngemuva kokuqaliswa kwekhadi.
Kusukela onyakeni we-2 kuya phambili, ukusetshenziswa okuncane kwama-Rs. 50,000 iqinisekisa ukuthi imali yakho ezayo yokuvuselela yonyaka engama-Rs. Ama-500 azokhishwa.
Imali echithwa ngekota ubuncane buka-Rs. U-50,000 uthola u-Rs. Amavawusha esipho angu-500 njalo ngekota. Lokho kuyenza isamba sika-Rs. 2000 wamavawusha esipho ongawathola ngonyaka.
EZINYE IZINZUZO
- Ungakwazi ukukhipha imali ku-ATM usebenzisa ikhadi lakho lesikweletu le-HDFC Moneyback, elivame ukubizwa ngokuthi i-Revolving Credit, ngokomkhawulo wesikweletu wekhadi lakho. Ngokuvamile kuba ngu-40% womkhawulo wesikweletu wekhadi futhi kunenzalo engu-3.6% ngenyanga noma u-43.2 % ngonyaka. Izinga lenzalo elisha liqala ukusebenza kusukela ngoSepthemba 2020.
- Ungathola izaphulelo ezifika ku-40% noma ngaphezulu ezitolo zokudlela ezihamba phambili (emadolobheni athile) ngaphansi kohlelo lwe-HDFC Good Food Trail Dining.
- Lapho ulahlekelwa ikhadi lakho lesikweletu ngephutha, futhi ulibika ngokushesha esikhungweni sezingcingo se-HDFC, asikho isikweletu kunoma yikuphi ukuthengiselana okuwumgunyathi.
- Kunesikhathi sezinsuku ezingama-50 esingenayo inzalo ekhadini lesikweletu le-HDFC MoneyBack. Isikhathi esingenayo inzalo siqala kusukela ngedethi yokuthenga.
- Ungakwazi futhi ukuguqula ukuthenga kwakho okukhulu kube izitolimende zanyanga zonke usebenzisa inketho ye-Smart EMI. Izinga lenzalo ye-Smart EMI ngu-1% yenani lokuthenga noma ama-Rs. 350 (ngaphandle kwentela), kuye ngokuthi yikuphi okuphezulu.
Okuphawuliwe Okukhethekile: Inkokhelo Yokungathinteki (etholakala emakhadini anelogo yokungathinti lutho kuwo)
I-HDFC Credit Card inika amandla ukukhokha ngaphandle kokuthinta kumakhasimende akhethiwe lapho ecelwa ukwenza imisebenzi efika kuma-Rs. 1999 ngesikhathi. Inguqulo yekhadi ngaphandle kokuthinta ingasetshenziswa ezitolo ezinikwe amandla okukhokha ngaphandle kokuthinta. Ngokuqinisekile ihlanganisa ngezikhathi ze-COVID.
Amaphuzu emivuzo
Isakhiwo sephoyinti Lemivuzo le-HDFC MoneyBack Credit Card silula kakhulu, futhi siqondile. Inokukhishwa okumbalwa kuphela.
2X Amaphuzu Womvuzo
Ekusetshenzisweni kwemali ku-inthanethi, uthola amaphuzu omklomelo angu-2X noma amaphuzu angu-4 omklomelo kuwo wonke ama-Rs. 150 esetshenzisiwe.
1X Iphuzu Lomvuzo
Uzuza amaphuzu omklomelo angu-1X noma amaphuzu angu-2 womklomelo ngamunye wama-Rs. 150 asetshenziswe ungaxhunyiwe ku-inthanethi.
Amaphuzu omvuzo asebenza iminyaka emi-2 kusukela ngedethi yokunqwabelana. Kutuswa ukusebenzisa amaphuzu okuklomelisa phakathi neminyaka emi-2.
Amaphuzu omvuzo angahlengelwa:
- Ibhalansi yesitatimende sanyanga zonke ngenani lephoyinti lomvuzo elingu-20. Imiklomelo eqoqiwe kufanele ibe ngu-2500 RP ukuze kusetshenziswe isitatimende sanyanga zonke.
- Ukubhukha indiza namahhotela. Izinga lokuhlengwa komvuzo ngumvuzo ongu-1 = ukukhokhelwa okungu-25 noma amaphuzu omvuzo ayi-100 = ama-Rs. 25 ngokubhukha indiza namahhotela.
Isibalo sembuyiselo yemali
100 Amaphuzu Womvuzo alingana no-Rs. 20 okungukuthi Iphoyinti Lomvuzo eli-1 lilinganiselwa ku-20 paise.
Ngokubhukha Ihhotela Nendiza, inani lamaphoyinti Omklomelo lingaphezulu - Iphoyinti lomvuzo elingu-1 lilingana nokubhadazwa okungu-25 noma amaphuzu omvuzo angu-100 alingana nama-Rs. 25.
Imiklomelo ye-Cashback VS
Ikhadi Lesikweletu Lemivuzo ilapho amaphuzu noma imiklomelo oyizuzayo ingaqoqwa khona futhi isetshenziselwe ukuhlenga izinto Kukhathalogi Yemiklomelo. Ikhadi Lesikweletu Lemiklomelo ngokuvamile linenani lephoyinti Lemivuzo eliningi kunamakhadi e-Cashback. I-Cashback Credit Card inikeza ukheshi ongasebenziseka ngokuqhathaniswa namaphoyinti azuzwe ekuthengweni. I-Cashback Credit Card ikunikeza ukuguquguquka okwengeziwe mayelana nokuthi uhlose ukuwasebenzisa kuphi amaphuzu, noma uma ufuna alungiswe ukuze ukhokhe isitatimende sakho sanyanga zonke. Ikhadi leMiles Olunye uhlobo oludumile iMiles Card lapho uklonyeliswa khona ngamamayela ngokusetshenziswa ekhadini. I-Miles Credit Card ifaneleka kakhulu kumaflaya avamile. |
Izimali nezindleko
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IMALI YOKUJOYINA
500 + izintela
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IMALI YONYAKA/IMALI YOKUVUSELA
500, yehliswe ekusetshenzisweni konyaka kwe-Rs. 50,000.
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IZINKOKHELO ZOKUHOXA I-ATM
5% yenani elikhishiwe noma ama-Rs. 500, noma yikuphi okuphezulu.
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HLOLA IZINKOKHELO
25 yenani lesheke elifika ku-Rs. 500.
Rs. 50 yenani lokuhlola elingaphezu kwama-Rs. 5000. -
UKUKHISHWA KABUSHA KWEKHADI ELILAHLEKILE, ELITSHIWEYO NOMA ELILIMALIWE
Rs. I-100.
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INKOKHELO YOKUBUYISA ISITATIMENDE
10 ngesitatimende somzimba esiyimpinda (kusukela ngoSepthemba 2020 kuye phambili).
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IZINKOKHELO NGESIKHATHI SOKUKHOKHELWA
Izindleko zokukhokha sekwephuzile, kuthunyelwa isikhathi sezinsuku ezingama-50 esingenayo inzalo simi kanje (ukuqala ngoSepthemba 2020) :
Ibhalansi yesitatimende | Izindleko Zokukhokha Sekwephuzile |
<Rs. 100 | Ayikho icala |
Rs. 100 - Rs. 500 | Rs. I-100 |
Rs. 501 - Rs. 5,000 | Rs. I-500 |
Rs. 5,001 - Rs. 10,000 | Rs. I-600 |
Rs. 10,001 - Rs. 25,000 | Rs. I-800 |
Rs. 25,001 - Rs. 50,000 | Rs. I-1,100 |
Ingaphezu kuka-Rs. 50,000 | Rs. I-1,300 |
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IMALI ENGEPHEZULU KOMKHAWULO
5 % yenani elingaphezu komkhawulo noma ama-Rs. 500, noma yikuphi okuphezulu.
Inkokhelo Engaphezu Komkhawulo Umkhawulo oweqile ekusetshenzisweni kwekhadi lesikweletu ufinyelelwa uma wenza umsebenzi ongaphezu komkhawulo wakho wesikweletu. Ithi, umkhawulo wakho wesikweletu ngu-Rs. 50,000, kodwa isamba sezindleko zakho ekhadini lomjikelezo wesitatimende sanyanga zonke esinikeziwe ngama-Rs. 55,000. Lokhu kusho ukuthi unomkhawulo oweqile wama-Rs. 5000, futhi izoqongelela inani lenzalo enanini eliwumkhawulo ongaphezu komkhawulo. Amakhadi angakukhuthazi ukwenqaba ukuthengiselana okungaphezu komkhawulo ongaphezu komkhawulo wesikweletu. |
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INKOKHELO KAloliwe
1% yenani lokwenziwe kanye nezintela.
Ufuna Ikhadi Lesikweletu elinikeza izinzuzo eziphezulu ekuthengeni ku-inthanethi? Bheka isibuyekezo se-SBI SimplyCLICK Credit Card. |
Ukufaneleka kwe-HDFC MoneyBack Credit Card
AGE
Iminyaka eyi-21 - engama-60
INGENISO YONYAKA
Ukuze Abantu abaholelwayo : 3 lakh ngonyaka noma ama-Rs. 25,000 imali engenayo yanyanga zonke.
Kwabazisebenzayo/Osomabhizinisi: Rs. 6 lakh ngonyaka (ngokwedokhumenti ye-Income Tax Return)
INDAWO YOKUHLALA
AmaDolobha Amakhulu namaDolobha Amakhulu Namalokishi ayakhethwa. Njengoba ibhange linenethiwekhi ebanzi emadolobheni angu-2,768 kulo lonke elase-India, ikhadi lesikweletu le-MoneyBack lifinyeleleka kabanzi kunamanye amakhadi amaningi avela emabhange azimele.
OKUNYE UKUFANELEKA
I-HDFC ikhetha kakhulu abanikazi bama-akhawunti uma kuziwa ekukhipheni amakhadi esikweletu. Futhi, njengoba kushiwo ekuqaleni, i-HDFC MoneyBack Credit Card ayicacisi kakhulu amaphuzu esikweletu.
Ngakho-ke, ngisho noma ungenawo umlando wesikweletu obalulekile mayelana nokuba nekhadi lesikweletu, usengafaka isicelo sekhadi ngqo ku-HDFC. Iwebhusayithi.
Isinqumo Sethu ku-HDFC MoneyBack Credit Card
Sincoma i-HDFC MoneyBack Credit Card uma:
- Ucabanga ukuzitholela ikhadi lesikweletu okokuqala ngqa
- Awuyena umlandeli wezingosi zekhathalogu yemivuzo yasebhange futhi ukhetha i-Cashback uma kuziwa ekongeni imali oyisebenzisayo ku-inthanethi nokungaxhunyiwe ku-inthanethi
- Ungabi nezidingo zokundiza njalo
- Sebenzisa amafutha emoto anomkhawulo ngenyanga
- Unentshisekelo yokukhulisa isikolo sakho sesikweletu ukuze uthole ikhadi elinezici ezingcono.
Uma ugcwalisa noma yimiphi noma eminye noma yonke imibandela ebalwe ngenhla, leli khadi lingakufanela kakhulu.
Siyazi ukuthi ukufaneleka kwekhadi kuyahluka kumuntu nomuntu ngisho nezibalo zabantu ezifanayo zobudala, indawo, noma inkokhelo.
Ngakho-ke, ngaphambi kokuthi ucabangele ukuthola ikhadi lesikweletu, kuhle ngaso sonke isikhathi ukuthi uhlole izidingo zekhadi lakho, nokuthi yiziphi izindawo osebenzisa ngazo imali ofuna ukuba ikhadi lakho lesikweletu lizinakekele.
shiya impendulo