Ngathola ikhadi lami lesikweletu lokuqala (ICICI Platinum Rewards) ngo-2006 nge-akhawunti yami yomholo ne-ICICI Bank. Kusukela ngaleso sikhathi, ukuthakasela kwami imiklomelo yekhadi lesikweletu namaphuzu kwaqala, kwangiholela ekuhloleni amanye amakhadi esikweletu ahlukahlukene.
Ngesikhathi ngisebenza e-USA, ngakwazi ukuzuza u-$2500 ngokubhalisela amakhadi esikweletu ahlukahlukene. Lokhu okuhlangenwe nakho kwaqinisa ukwazisa kwami ngezinzuzo nemiklomelo enikezwa ngu amakhadi esikweletu.
Lapho ngenza I-CashOverflow ngo-2015, esinye sezindatshana ezaziwa kakhulu endaweni yesikhulumi sasimayelana nokugebenga kwamakhadi esikweletu.
Ngisebenzisa ama-hacks ekhadi lesikweletu ukuze ngithenge kalula, izinzuzo zokuhamba, ngisho nokuhlala okunethezeka emahhotela ezinkanyezi ezi-5.
Ngonyaka odlule, ngithole ithuba lokuthola amathikithi ekilasi lebhizinisi mahhala ngamakhadi ami esikweletu.
Ngijabule ukwabelana ngamathiphu abalulekile angase akunikeze amathikithi ekilasi lebhizinisi afika kwangu-17 amahhala ngonyaka.
1. Amakhadi Esikweletu Aphambili Anezinzuzo Zokuhamba
Ngihlala nginolwazi mayelana nezibuyekezo zakamuva zamakhadi esikweletu anikeza inani elingcono kakhulu lomklomelo.
Ngizingela ngokuzimisela amakhadi esikweletu amasha angazuzisa mina nabafundi bami bebhulogi.
Okwamanje, engigxile kukho wukuthola inzuzo engaphezu kuka-10% ngemiklomelo ezuzwe ngokusebenzisa amakhadi esikweletu e-premium. Ngonyaka odlule, ngafaka isicelo ngempumelelo sekhadi lesikweletu le-Axis Magnus kanye nekhadi lesikweletu le-Axis Vistara.
Ungabhukha amathikithi ekilasi lebhizinisi mahhala usebenzisa inhlanganisela yamakhadi esikweletu e-Axis Magnus kanye ne-Axis Vistara Infinite.
2. Ithikithi Lami Lokuqala Lamahhala Lekilasi Lebhizinisi
Amakhadi esikweletu amaningi okuhamba anikezela ngamathikithi endiza amahhala njengebhonasi yokubhalisa. Ngithole ithikithi lami lokuqala lamahhala lekilasi lebhizinisi ngekhadi lesikweletu le-Axis Vistara Infinite njengebhonasi yokubhalisa. Ithikithi belibiza ngaphezu kwemali yonyaka ka-Rs 10,000.
Ngakolunye uhlangothi, ikhadi lesikweletu le-Axis Magnus linikeza ukukhetha phakathi kwethikithi lasekhaya elisezingeni eliphezulu noma ivawusha ye-Tata Cliq ebiza u-Rs 10,000 njengebhonasi yokubhalisa.
Ngikhethe ivawusha ye-Tata Cliq njengoba ngivame ukusebenzisa izindlela zokonga imali ukuze ngibhukhe izindiza zasekhaya ngama-rupees angaphansi kuka-10,000.
3. Hlela Ukusetshenziswa Kwekhadi Lesikweletu Ukuze Ufinyelele Amabhonasi Abalulekile
Ungakwazi ukwandisa inani lemiklomelo yekhadi lakho lesikweletu ngokuqonda ingqopha-mlando ehlobene nekhadi ngalinye futhi uzivumelanise nemikhuba yakho yokusebenzisa imali.
Isibonelo, ikhadi lesikweletu le-Vistara linikeza amathikithi ekilasi lebhizinisi angu-4 ekusebenziseni ama-Rs 12 lakh ngonyaka.
Ngakolunye uhlangothi, ikhadi lesikweletu le-Axis Magnus linikeza amaphuzu angama-25,000 ebhonasi EDGE REWARDS lapho usebenzisa i-1 lakh rupees ngenyanga.
Ukuqinisekisa ukuthi ngihlala ngifinyelela lesi sinyathelo esiyingqopha-mlando, ngathatha indlela yamasu ekusetshenzisweni kwemali kwanyanga zonke.
Ngibhale phansi izindleko zami ezingashintshi njengokusevisa imoto, amaphrimiyamu omshwalense wempilo, umshwalanse we mpilo izinkokhelo, ukuvuselelwa komshwalense wemoto, izibopho zentela kusengaphambili, nokuthenga okubalulekile kwekhaya lami phakathi nenyanga yakhona efanele. Lokhu kunginika ukucaciseleka mayelana nokuthi yimalini engizoyisebenzisa ezindlekweni ezingaguquki ekuqaleni kwenyanga.
Njalo ngenyanga, ngithenga amavawusha esipho enani lika-Rs 20,000 kwa-Amazon, Flipkart, Decathlon, kanye ne-MakeMyTrip. Ngenza zonke ezinye izindleko ekhadini lesikweletu le-Magnus ngize ngifinyelele ingqopha-mlando yanyanga zonke yama-Rs 1 lakh.
Ngisebenzisa ikhadi lesikweletu le-Axis Vistara Infinite kuzo zonke izindleko ezisele, ngiqinisekisa ukuthi ngifinyelela umlando waminyaka yonke we-Vistara.
4. Sebenzisa Ozakwethu Bokudluliswa Ukuze Uthole Inani Eliphezulu Lomvuzo (amagama angama-300-400)
Ngithole amathikithi ekilasi lebhizinisi angu-5 amahhala—inhlanganisela yebhonasi yokubhalisa kanye nokushaya ingqophamlando yonyaka ngekhadi lesikweletu le-Vistara Infinite.
Ngithole i-hack uma kuziwa ekusebenziseni amaphuzu we-Magnus EDGE REWARDS. Ngokuvamile, uma usebenzisa lawa maphuzu, inani lawo licishe libe ngu-0.20 paisa ngephoyinti.
Nokho, ungakwazi ukudlulisela amaphuzu omvuzo we-EDGE ku-Club Vistara ngesilinganiso esingu-5:4, okusho ukuthi ungakwazi ukuguqula amaphuzu angu-25,000 e-EDGE abe amaphuzu weklabhu we-Vistara angu-20,000.
Ngamaphuzu e-Vistara angu-20,000, ungabhukha ithikithi lekilasi lebhizinisi lasekhaya elibiza okungenani u-Rs 14,000. Ukwengeza, amaphuzu e-Vistara angasetshenziselwa ukubhuka izindiza zamazwe ngamazwe.
Ngokuhlala ufinyelela ingqophamlando yokusebenzisa imali engu-1 lakh rupees ekhadini lakho lesikweletu le-Magnus, ungathola amathikithi ekilasi lebhizinisi afika kwangu-12 amahhala njalo ngonyaka.
Ungasebenzisa ikhadi lesikweletu le-Magnus & Vistara ukuze uthole amathikithi angu-17 amahhala ekilasi lebhizinisi usebenzisa ukuntula okungu-24 ngonyaka.
Uma kuziwa ekutholeni inani lomvuzo elingcono kakhulu ekhadini lesikweletu, kubalulekile ukuthi wenze njalo khetha ikhadi lesikweletu elilungile ngokusekelwe emikhubeni yakho yokusebenzisa imali. Uma ukusetshenziswa kwekhadi lakho lesikweletu kuphansi kakhulu, ungase ungakwazi ukujabulela ngokugcwele izinzuzo eziyingqopha-mlando eziza namakhadi esikweletu aphambili.
Ngakolunye uhlangothi, uma imali yakho yonyaka yekhadi lesikweletu idlula ama-rupee angu-10 lakh, ungathola inani lomvuzo elingcono kakhulu ngokwezilinganiso zomvuzo ezithuthukisiwe, izinzuzo ezikhethekile, kanye nokufinyelela ezinsizeni zeprimiyamu ngamakhadi esikweletu aphambili.
shiya impendulo