Ibhange le-ICICI lethule elinye lamakhadi alo esikweletu aphezulu kakhulu eminyakeni embalwa edlule, i-ICICI Emeralde Credit Card.
Leli khadi lesikweletu eliphambili nelokunethezeka lifanele abantu abanemali ephezulu abazimisele ngokuthola izinzuzo zokunethezeka namabhonasi ngamakhadi abo.
Ikhadi laziwa njengelinye lamakhadi afunwa kakhulu futhi angcono kakhulu ohambo lwamazwe ngamazwe ngenxa yezinzuzo ezimbalwa ezengeziwe esizobe sizihlanganisa ekubuyekezweni kwethu kwekhadi lesikweletu le-ICICI Emeralde.
Izici
Ukweqisa okwedlulele
Ikhadi lenzelwe ngempela abantu abathanda izinzuzo zokunethezeka ngenkathi bethenga, besohambweni, bedla, futhi ngokuyisisekelo yonke into. Nakhu konke ikhadi elikunikezayo ukuze likunikeze umuzwa owubukhazikhazi -
- Ukunikezwa konyaka wonke emicimbini namamuvi
- Imigubho yosuku lokuzalwa e-Trident Hotels nge-Rs. Amavawusha wamagama angama-7500
- Imizuliswano yegalofu yamahhala njalo ngenyanga
Ukuzitika okumsulwa
Ikhadi lesikweletu le-ICICI Emeralde laziwa nangokuzitika kwalo ngendlela emsulwa njengoba lilethela abasebenzisi balo isevisi yasekupheleni maqondana nokuphila kahle okuphelele okuhlanganiswe nemisebenzi abangayijabulela ngokusuka enhliziyweni.
Nakhu konke ikhadi elikunikezayo ukuze likunikeze ukuzitika -
- Noma kunini izaphulelo zobulungu bejimu Yokufaneleka
- Ubulungu bejimu ye-Talwalkar nezaphulelo ezifika ku-30%
- Ukufinyelela okungenamkhawulo kwe-spa yesikhumulo sezindiza (kwasekhaya)
- Izaphulelo emtholampilo we-Kaya, i-True Fitt n Hill, i-Richfeel
- Zonke izinsiza ze-VLCC zinesaphulelo
Ukusebenziseka kalula
Ukunethezeka kanye nekhadi lesikweletu le-ICICI Emeralde cishe kufana nomqondo ofanayo. Lokhu kungenxa yokuthi, ngokusebenzisa leli khadi, abasebenzisi bangafinyelela izinto eziningi ngaphandle komthungo.
Nakhu konke ikhadi elikunikezayo ukuze likunikeze okuhlangenwe nakho okulula -
- Ukufinyelela okukhululekile endizeni nasesikhumulweni sezindiza ukufinyelela i-WiFi
- Ukufinyelela okungenamkhawulo kwendawo yokuphumula yamazwe ngamazwe mahhala
- Ukufinyelela okungenamkhawulo kwendawo yokuphumula yasekhaya mahhala
Ukuzimela okubalulekile
Ukusebenzisa i-ICICI Emeralde Credit card ngokuqinisekile kwengeza endleleni yakho yokuphila ezimele ngokukunikeza izinsiza ezenza uhambo lwakho nokuzijabulisa kwakho kungabi nazihibe.
Nakhu konke ikhadi elikunikezayo ukuze likunikeze umuzwa ozimele –
- Uhambo lwangaphakathi lwekhadi elilodwa
- Ukuguquguquka kokukhetha izinhlelo zobulungu kuwo wonke amasevisi ahlukene
- Azikho izindleko zokukhansela ekubhukheni kwehhotela nokuvakasha, njalo
Ubani ofanelekela ikhadi lesikweletu le-ICICI Emeralde?
- Abantu abahola ngokulingana noma ngaphezulu kwama-Rs. 300,000 njalo ngenyanga.
- Abantu abagcwalisa okulingana noma ngaphezulu kwama-Rs. 3,000,000 izintela zentela engenayo.
- Amakhasimende akhona e-ICICI Bank Global Private Client.
Okungenani imibandela yokufaneleka eyodwa kwezintathu ezingenhla iyadingeka ukuze umuntu afake isicelo sekhadi lesikweletu le-ICICI Emeralde.
Ukwengeza, umfakisicelo kumele abe neminyaka engama-21 ubudala njengesilinganiso esiphansi seminyaka yobudala enenani eliphansi le-CIBIL lama-700.
I-ICICI Emeralde Credit Card Amalungelo
Ikhadi lesikweletu le-ICICI Emeralde liza namathani wamalungelo kubasebenzisi balo, kusukela kumiklomelo, ukonga, ama-concierge kuya ebhange, i-Mastercard, kanye namalungelo e-AmEx.
IMIVUZO KANYE NE-SAVING
Ngekhadi lesikweletu le-ICICI Emeralde, umsebenzisi ujabulela ukonga okungenamkhawulo nezinzuzo ezihlobene nomvuzo eziza nekhadi futhi ziyanwetshwa njengoba uqala ukusebenzisa ikhadi.
- Inikeza amaphuzu okubuyisela kukho konke okwenziwayo.
- Iphoyinti lokukhokha lokuhlengwa kwemuvi, uhambo, indlela yokuphila, izinto zikagesi, iselula neminye imikhiqizo.
- Yonga cishe ama-rupee angu-2.5 lakh ngonyaka ngokukunikeza amaphuzu okuklomelisa, ukufinyelela okuthokomele, izikhathi zamahhala ze-spa, ukuvakashela amagumbi okuphumula, nokunye okuningi.
- Imali engu-Rs. U-12,000+GST uyabuyiselwa emuva uma usebenzisa imali elingana noma engaphezu kwama-Rs. 15 lakhs ngonyaka ngekhadi.
- Iza nemali yokumaka ephansi yemisebenzi yamazwe ngamazwe, kuphela i-1.5%.
- Izinga lephesenti lonyaka lehlisiwe lafika ku-1.99% kukho konke ukukhishwa kwemali kuma-ATM.
- Ayizi nemali ekhokhwa ngaphezu komkhawulo.
- Amavawusha e-Dal Milano ekusebenziseni imali engaphezu kwama-Rs. 2 lakh.
- Bhukha izinzuzo zami zombukiso zokuthola ama-Rs. 750 ithikithi lesibili, izikhathi ezi-4 njalo ngenyanga.
I-CONCIERGE
Ikhadi liza nomhlinzeki wesevisi wesikhathi sonke we-concierge onakekela zonke izidingo zakho zokuzijabulisa.
Kusukela ekutholeni izipho ukuya ekubhukheni indawo yokudlela kanye nokuhambela phesheya, yonke into inakekelwa ithimba lamalungelo ekhadi lesikweletu le-ICICI Emeralde.
- Iminikelo, ukudluliselwa kwezindawo zokudlela kanye nokubhuka okubalulekile.
- Isiza ekuthengeni izipho, amathikithi emuvi, njll.
- Ihlinzeka ngokudluliselwa kwamahhotela nokubhukha okubalulekile.
- Izincwadi futhi ilethe amathikithi e-movie afika ngesikhathi ngesikhathi esivumelana nawe.
- Izinsizakalo zokuqasha imoto kanye ne-limousine.
- Ukudluliselwa kwezipho nokubhukha okubalulekile.
- Usizo oluphuthumayo lwezimo eziphuthumayo noma yikuphi ezweni.
- Amalungelo e-concierge yaseMexico.
- Qedela usizo kuhlelo lwegalofu.
AMALUNGELO EBHANGE
Ikhadi lesikweletu le-ICICI Emeralde linamalungelo amaningana asebhange abasebenzisi bekhadi abangawajabulela.
- Yonga okungenani u-15% ezikweletini zokudlela ngohlelo lwayo lweCulinary Treats.
- Ihlinzeka ngokuphakamisa inhlawulo kaphethiloli engu-1% kukho konke ukuthenga kukaphethiloli kunoma iyiphi indawo.
- Ihlinzeka ngomshwalense wezingozi zomoya wama-Rs. 3 amakhro.
- Iza nesivikelo sesikweletu sika-Rs. 50,000.
- Umshwalense wemithwalo ongafika kuma-Rs. 25,000.
- Ukulahleka kwesikweletu sekhadi, ukubambezeleka endizeni, ukudunwa kwendiza, izindiza ezingekho ngenxa yokuthunyelwa kwezinye izinto, ukulahlekelwa umthwalo wokungena/amadokhumenti okuhamba, nokunye kuya ngaphansi komshwalense ngekhadi.
- Ihlinzeka ngamasevisi ngokuphathelene nesikweletu sekhadi lomgunyathi, ukuthathwa kwe-akhawunti, i-chip, nokuphepha kwekhadi lokuphina.
AMALUNGELO E-AMERICAN EXPRESS
Ngekhadi lesikweletu le-ICICI Emeralde, ungakwazi futhi ukujabulela izinzuzo ezimbalwa ngamakhadi akho e-AmEx.
- Isaphulelo sika-15% kuzo zonke izinsiza ze-O2 Spa uma usebenzisa ikhadi lesikweletu le-ICICI Emeralde American Express
- Isaphulelo sika-20% ekukhokhisweni kwegolide kulo lonke elase-India kuzo zonke izitolo ze-Joyalukkas
- Isaphulelo esifika ku-50% sokudlela, indawo yokuhlala, nezinye izindleko zokuhamba uma uvakashela ekhaya noma kwamanye amazwe.
- Ukunikezwa kokuxhuma kwe-AmEx kuzo zonke izigaba ezifana nokudla, indawo yokuhlala, ukuhamba, ukuthenga ku-inthanethi, ukudayisa, nokunye okuningi
- Nikeza ngesisombululo sokukhokha esivikelekile ngaphandle kwezindleko ezengeziwe. - AmEx ezeClick
MASTERCARD PRIVELEGES
Ekugcineni, engxenyeni yamalungelo ekhadi lesikweletu le-ICICI Emeralde, maningi amalungelo e-Mastercard ongawajabulela uma ufaka isicelo sekhadi lesikweletu le-ICICI Emeralde.
- Izaphulelo namalungelo ebhizinisi, ezinkampani kanye namakhadi akhokhelwa kuqala
- Ukuvakasha okungenamkhawulo, i-culinary, ukuyothenga, ezemidlalo nokuzijabulisa
- Izaphulelo kumaphakheji ezokwelapha ezivela ezibhedlela eziphezulu zomhlaba
- Yonga ekuqashweni kwemoto
- Jabulela isaphulelo sika-15% samanani ehhotela nawendawo yokungcebeleka ezweni lonke
I-ICICI Emeralde Izimali zekhadi lesikweletu nezindleko
- Imali yokujoyina: Ungafaka isicelo sekhadi lesikweletu le-ICICI Emeralde ngokukhokha ama-Rs. 12,000 ngonyaka kusengaphambili, noma ama-Rs. 1,000 njalo ngenyanga.
- Inkokhelo yonyaka: Uhlelo lonyaka lwezimali zekhadi lesikweletu lonyaka luyafana nenkokhelo yokujoyina, ama-Rs. 12,000 njalo ngonyaka ngaphambili noma ama-Rs. 1,000 nyanga zonke, noma yini ekufanele kakhulu.
- Izindleko zezezimali: Ibhange likhokhisa u-3.4% ngenyanga noma u-40.8% ngonyaka ekubolekweni/kwesikweletu
- Izindleko zokukhokha sekwephuzile:
- Uma unebhalansi yesitatimende engaphansi kwama-Rs. 100, azikho izindleko ezifanayo.
- Izindleko ze-Rs. 100 ngebhalansi ephakathi kwama-Rs. 100-Rs. 500.
- Izindleko ze-Rs. 500 ngebhalansi ephakathi kwama-Rs. 501-Rs. 5000.
- Izindleko ze-Rs. 750 ngebhalansi ephakathi kwama-Rs. 5001-Rs. 10000.
- Izindleko ze-Rs. 900 ngebhalansi ephakathi kwama-Rs. 10001-Rs. 25,000.
- Izindleko ze-Rs. 1000 ngebhalansi ephakathi kwama-Rs. 25001-Rs. 50,000.
- Izindleko ze-Rs. 1200 ngebhalansi engaphezu kwama-Rs. 50000.
Amadokhumenti adingekayo ukuze ufake isicelo se-ICICI Emeralde Credit Card
- Ubufakazi besithombe bobunikazi
- Ubufakazi bekheli
- Ubufakazi bemali engenayo nge-salary slip yakamuva eyodwa noma amabili angekho ngaphezu kwezinyanga ezi-3 ubudala noma i-form 16 yakamuva noma isitatimende sasebhange sezinyanga ezi-3 zokugcina
Inqubo yokuthuthukisa i-ICICI, i-AmEx, noma i-Mastercard yakho ekhona kakade ibe yi-ICICI Emeralde Credit card
Uma uhlangabezana nezidingo zokufaneleka, kulula ukuthuthukisa usuka ekhadini lakho elifanele uye ekhadini lesikweletu le-ICICI Emeralde.
Njengoba ikhadi livulekele abaholayo nabazisebenzayo, udinga kuphela [ukunikeza izitatimende zasebhange kanye nobufakazi bomazisi ukuze uqinisekise ukuthuthukiswa.
Uma ususifakile isicelo, ithimba eliphezulu lixhumana nawe ngezindlela ezimbalwa ukuze liqinisekise isicelo, futhi ngemva kokuhlola wonke amadokhumenti, ikhadi lizolethwa emasontweni ambalwa azayo.
Unyaka wokuqala wekhadi umahhala uma uthola ukuthuthukiswa, ukuze ukwazi ukwazisa ithimba labasekeli ukuze uguqule ikhadi libe yikhadi le-FYF (Unyaka Wokuqala Wamahhala).
Ukufaneleka kohlelo lwe-FYF kuhlanganisa nokumbalwa izitatimende zezezimali kwakho okuzokwethulwa, umphathi wakho wobudlelwane be-ICICI Wealth Management angakuqinisekisa.
Ukuze ufake isicelo njengomsebenzisi wokuqala, ungavakashela iwebhusayithi yebhange le-ICICI noma uthumele i-SMS ethi 'EMERALDE' ku-5676766 ukuze uthole ukubuyiselwa okuvela eqenjini.
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Isiphetho - ingabe ikhadi lesikweletu le-ICICI Emeralde liwufanele ngempela?
Ngamafuphi, uma ungumuntu ojabulela ukunethezeka nezinzuzo ze-premium - kungu-yebo omkhulu!
Ngekhadi lesikweletu le-ICICI Emeralde, ungakwazi ukujabulela izinzuzo zokuhamba ezingenamkhawulo, zokudlela, nezokuzijabulisa ezivela ezinkampanini ezihamba phambili emhlabeni yonga imali eningi minyaka yonke.
Yenza ukufinyelela kwegumbi lokuphumula okungenamkhawulo ku-vawusha evela kumikhiqizo ephambili efana ne-Da Milano; ikhadi linezinsiza eziningi elingazihlinzeka ezihlanganisa nokukhava imishwalense kanye nezimbuyiselo zemali.
Umsebenzisi omusha noma omdala, ikhadi ngokuqinisekile lingelinye lamakhadi aphezulu kakhulu akhona e-India anemiklomelo ethembisayo. Ungathanda futhi ukufunda uhlu lwethu lwe best cashback credit cards futhi ukhokha kanjani izikweletu zekhadi lesikweletu usebenzisa elinye ikhadi lesikweletu eNdiya.
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