Ikhadi elinokubuyiselwa kwemali - yiliphi okufanele ulikhethe futhi unikeze amakhadi amahle kakhulu anemali ebuyiswayo + izigaba ezi-5 zokukhipha ikhadi nge-Cash Back

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Sawubona bafundi abathandekayo be-Ideas for Life! Le ndatshana izogxila kumakhadi ane-cashback: iyini, yiliphi ikhadi elinemali ebuyiswayo ongayikhetha nokuthi ungayikhipha kanjani ngendlela efanele, nokuthi yimaphi amabhange ahlinzeka ngamakhadi amahle kakhulu ngeCash Back kulo nyaka.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Ekupheleni kokushicilelwa uzothola izimpendulo zemibuzo ephakama kaningi.

Ukushicilelwa okwethulwayo kuyasiza ukutadisha kokubili kulabo abahlela ukuba ngabanikazi bekhadi lasebhange elinemali ebuyiselwayo, nakulabo asebelisebenzisa kakade. Lokhu kuzosiza ukuqonda ukuthi ukhetho lwenziwe ngendlela efanele kangakanani.

Ukugwema ukuchitha isikhathi futhi uqale ukujabulela izinzuzo zaleli thuluzi, funda i-athikili njengamanje.

Sizokutshela kulo magazini ukuthi liyini ikhadi elinemali ebuyayo, ukuthi iyiphi engcono ongayikhetha nokuthi ungalitholaphi ikhadi elinenzuzo enkulu ngokubuyiselwa imali.

1. Liyini ikhadi elinokubuyisa imali - umbono wokubuka konke concept

Ngakho-ke basho ukuthini uma bekhuluma ngamakhadi ane-cashback?

Ikhadi elinemali ebuyiswayo (ihunyushwe isuselwa esiNgisiniukubuyisa imali ngokwezwi nezwi lisho"Buyisela imali") Ingabe yikhadi lasebhange, imigomo yalo ehlinzeka ngokubuyiselwa kuklayenti kwengxenye yemali esetshenzisiwe engeyona imali yokukhokhela izimpahla noma izinsizakalo.

Amaphesenti okubuyisa ohlobo ngalunye lwekhadi anqunywa ngokuzimela yibhange elibakhiphile. Ngokwesilinganiso eRussia, inani lokubuyiselwa kwemali liyahlukahluka ngaphakathi kusuka ku-0.5 kuye ku-10% wenani lokuthenga... Amabhange amaningi ahlinzeka ngokubuyiselwa imali kwe- 1% imali esetshenzisiwe.

Imali ebuyiswayo ingabalwa njengo:

Imali;
amabhonasi ahlukahlukene;
ngokushaja ifoni yakho ephathekayo.

2. Ungalikhetha kanjani ikhadi elinenzuzo enkulu ngokubuyiselwa imali - imingcele emi-5 lapho ukhetha ikhadi elibuyisa imali 💎

Ukwenza ukukhetha ngamakhadi ahlukahlukene anemali ebuyiswayo kungaba nzima. Kuhlala kunokungabaza ukuthi inketho ehlongozwayo izokufanela yini. Umsebenzi wenziwa lula kakhulu ngokwazi imibandela okufanele ibhekwe ngenkathi kwenziwa ukhetho.

Ngezansi kunemingcele eyinhloko yamakhadi ane-backback, ukuqhathanisa okuzokusiza ukhethe inketho enhle kakhulu.

Ipharamitha 1. Inani lokubuyisa imali

Ibhange ngalinye liyazinqumela ukuthi lizobuyisa ingxenye yani yemali esetshenzisiwe ngendlela yokubuyiselwa imali. E-Russia, ubukhulu becala ubukhulu bale parameter busebangeni kusuka 1 ngaphambi 10%.

Kwesinye isikhathi inani lokubuyiselwa kwemali kunqunywa uhlobo lwezimpahla namasevisi athengwe kusetshenziswa ikhadi. Ngokuvamile ukubuya okuncane amabhange anikela ngazo zonke izimpahla.

Yiziphi izimpahla nezinsizakalo ozohlinzeka ngazo ukwanda kwemali ebuyiswayo, izikhungo ezibolekisayo zinquma ngesisekelo senqubomgomo yazo yezentengiso.

Ipharamitha 2. Izigaba okufanele zenzelwe zona imbuyiselo

Amabhange ajwayele ukusetha ubukhulu bokubuyiselwa kwemali kuye ngesigaba sezimpahla namasevisi athengwe ngekhadi. Ezinye izikhungo ezibolekisa ngemali ziyahlinzeka 2-3 eziyishumi amaqembu anjalo. Kungaba njalo amakhemisi, izitolo ezinkulu, izindiza, izindawo zokudlela, amathilomu, izikhungo zokuzijabulisa.

Imvamisa, amabhange avumela abanikazi bamakhadi ukuthi bazikhethele ukuthi iziphi izigaba abazofakwa kuzo kukhuphuke usayizi ↑ wokubuyisa imali... Ngaphezu kwalokho, zingashintshwa ngezikhathi ezithile. Ukuze uthole inzuzo enkulu, kufanele ukhethe amakhadi anesigaba esifanele sokubuyisa.

Ipharamitha 3. Indlela yokukhokha yokubuyisa imali

Lapho ukhetha amakhadi, kubalulekile ukuthi ubheke ukuthi ukubuyiselwa kwemali kuzokwenziwa ngaluphi uhlobo.

Izinketho zokukhokha ezilandelayo zisetshenziswa kakhulu:

imali yangempela;
amaphuzu ebhonasi angasetshenziswa nabalingani basebhange;
Isaphulelo senkonzo yamakhadi asebhange.

Kuyinto elula kakhulu lapho ukubuyiselwa kwemali kukhokhwe ngemali yangempela. Uma kufanele ukuthi kutholakale amabhonasi, ikhadi elinjalo kufanele linikezwe kuphela labo abasebenzisa njalo izinsizakalo nezimpahla zenkampani abangasetshenziswa kuyo.

Ipharamitha 4. Uhlobo lwekhadi

Amabhange amaningi namuhla enza ukubuyiswa kwengxenye yemali esetshenziswe kumakhadi asebhange asebhange nasebhange. Ngasikhathi sinye, abaningi bathi ukusebenzisa amakhadi esikweletu kuvame ukuzuzisa kakhulu.

Izinzuzo zokusebenzisa amakhadi esikweletu nge-cashback:

Amabhange amaningi, ukukhuthaza amakhasimende ukuthi akhiphe amakhadi wesikweletu, asethe usayizi ophakeme wokubuyisa imali;
Uma kunikezwe isikhathi somusa sekhadi, umnikazi walo angasebenzisa izimali ezibolekwe, ethola ukubuyiselwa imali futhi angakhokhi inzalo. Ngasikhathi sinye, izimali zakho zingabekwa kudiphozi yesikhashana ukuze uthole imali.

Kodwa-ke, amakhadi asebhange anemali ebuyiswayo afanele ukunakwa ngamakhasimende. Ngaphezu kokuthola ukubuyiselwa kwemali, abanikazi bepulasitiki abanjalo bangathembela emalini engenayo eyengeziwe efomini inzalo kubhalansi.

Ipharamitha 5. Izindleko zokugcina ikhadi

Lapho ukhetha ikhadi lasebhange, amakhasimende ngokuvamile awagxili kuphela kubungako bokubuyiselwa kwemali, kepha futhi nakwezindleko zensizakalo.

Kunezinhlobo ezintathu zamakhadi asebhange ngokomthetho wokushaja ikhomishini:

ikhokhwe;
ikhokhwe kancane;
ngokuphelele free.

Ukuba ngolunye lwalezi zinhlobo ezingenhla kuya ngezimo amabhange azenzele umkhiqizo othile wekhadi.

Okubalulekile! Izikhungo eziningi ezibolekisa ngemali zithi ipulasitiki abayikhiqizayo imahhala ngokuphelele. Noma kunjalo, kufanele uqaphele ngokusemandleni akho, ngoba imvamisa izinyanga zokuqala zenkonzo kuphela ezimahhala.

Amanye amabhange awakhokhisi ikhomishini kuphela uma kuhlangatshezwana nemibandela ethile, isib, ngenkathi kugcinwa inani elithile lebhalansi ye-akhawunti.

Ngokuhlaziya kahle inqubo engenhla, ungakhetha ikhadi elihle kakhulu elinemali ebuyiswayo.

Umhlahlandlela wesinyathelo ngesinyathelo wokukhipha ikhadi elinemali ebuyiswayo

3. Ulikhipha kanjani ikhadi elinemali ebuyiswayo - izigaba eziyisihlanu eziyinhloko zokuthola ikhadi elinemali ebuyiswayo 📝

Ukukhipha ikhadi lasebhange ngemali ebuyiswayo akufani kakhulu nokuthola noma iyiphi enye ipulasitiki. Kodwa-ke, kukhona izici ezithile zale nqubo. Ukuze ubhekane nenqubo okokuqala, kufanele ufunde imiyalo eningiliziwe.

Isigaba 1. Ukukhetha isikhungo sezikweletu

Namuhla, inani elikhulu lamabhange linikela ngokukhipha ikhadi ngemali ebuyiswayo. Ngakho-ke, wonke umuntu angathola ukunikezwa okufanelekile. Kodwa-ke, ukukhetha okuhle kakhulu ezinhlelweni ezahlukahlukene kungaba nzima. Kufanele sihlaziye futhi siqhathanise izimo enanini elikhulu lamabhange.

Siza ukulondoloza isikhathi esiningi izinsizakalo ezikhethekile nezinsizakusebenza... Amasayithi anjalo asiza ukuqhathanisa imigomo yamakhadi nemali ebuyiswayo enikezwa emabhange ahlukahlukene.

Ukwenza ukhetho olufanele, kubalulekile ukutadisha ngokucophelela imininingwane enikeziwe. Ngemuva kwalokho, ukukhetha kuyenziwa hhayi ngaphansi 3amabhange.

Isinyathelo esilandelayo kufanele sibe izibuyekezo zokufunda mayelana nezikhungo ezikhethiwe zezikweletu ku-Intanethi. Noma kunjalo, akufanele ubathembe 100%, njengoba ezinye zazo zinga-odwa.

Isigaba 2. Ukukhetha umkhiqizo wekhadi

Ezimweni eziningi, enqubweni yokukhetha ikhadi lasebhange elinokubuyiselwa imali, amakhasimende anaka kakhulu iphesenti lembuyiselo. Abangakwazi nokho ukuthi le ndlela ayihlali ilungile ngaso sonke isikhathi. Usayizi ↑ wokubuyisa imali okuphezulu akuqinisekisiukuthi isipho esinjalo sizoba nenzuzo enkulu.

Kubalulekile ukunaka hhayi kuphela iphesenti lokubuya, kepha futhi nemigomo yokukhokha kwayo:

izindleko zensizakalo yamakhadi;
imingcele esunguliwe nezidingo ezingeziwe;
uhlu lwezinhlelo zamabhonasi.

Lapho ukhetha ikhadi elinemali ebuyayo, kubalulekile ukuthembela kwimpilo yakho. Ukwenza ukhetho olufanele, kufanele unqume ukuthi yiziphi izindleko umnikazi wesikhathi esizayo azenzayo njalo.

Ngemuva kwalokho kuhlala kuqhathaniswa lezi zigaba nalabo ababuyiselwa imali ngazo kusetshenziswa amakhadi akhethiwe. Le ukuphela kwendlela yokuqonda ukuthi iyiphi ezosebenza kahle.

Kufanele kukhunjulwe ukuthi lapho ukhetha ikhadi elinezinga eliphakeme lokubuyisa imali ngezigaba ezingasetshenziswanga, akufanele uthembele ekubuyiselweni okuphezulu. Ukuze ipulasitiki ibe nenzuzo ngempela, izindleko zayo akufanele zeqe usayizi wemali etholwayo ebuyisiwe.

Isigaba 3. Ukubhaliswa kwesicelo

Lapho kukhethwa ikhadi elibuyisa imali, lihlala lifaka isicelo. Lokhu kungenziwa ngezindlela eziningana:

ngesikhathi sokuvakashela kwakho igatsha lasebhange;
ngocingo oluya esikhungweni sezingcingo;
nge-Intanethi kuwebhusayithi yesikhungo sesikweletu.

Akunandaba ukuthi iyiphi inketho ekhethiwe, kuzodingeka ukuthi uqedele uhlelo ipasipoti... Imininingwane evela kuyo kufanele ifakwe kwifomu elihlongozwayo.

Qaphela! Ezimweni eziningi, izinhlangano zezikweletu azinikezi isivumelwano ngamakhadi epulasitiki. Iqiniso ngukuthi ukubhaliswa kwabo kwenziwa ngemigomo yokunikezwa ngumphakathi.
Isivumelwano esinjalo siqondwa njengesipho sebhange, esenziwa ngemithombo ehlukahlukene etholakala emphakathini. Iqukethe lonke ulwazi oludingekayo ukuqedela okwenziwayo.
Ukuze ukunikezwa komphakathi kusebenze, kufanele kwamukelwe, okungukuthi, kuqinisekiswe. Ngamakhadi, okungukuthi ukudluliswa kwesicelo sokubhaliswa ebhange kungukwamukelwa okunjalo.

Ukubhaliswa kwepulasitiki ngaphansi kwezimo ezinjalo kwenza kube lula ukwenza lula inqubo yokuthola. Kodwa-ke, kubalulekile ukuthi uqaphele kakhulu futhi ngaphambi kokuthumela isicelo funda yonke imibhalo nemibandela efakwe ehhovisi lesikhungo sezikweletu noma kuwebhusayithi yayo.

Isigaba 4. Ukwamukela ikhadi elinomsebenzi wokubuyisa imali

Uma isicelo samukelwa, kuhlala kulindwe kuze kukhishwe ikhadi. Isikhathi sale nqubo sincike ezimweni ezibekwe yibhange elikhiphayo. Ngokwesilinganiso emakethe yaseRussia, kulingana kusuka ezinsukwini ezi-1 kuye kwezingu-10.

kodwa lapho uthinta ihhovisi lasebhange lapho kunesikhungo sokucubungula, ungathola ikhadi ngesikhathi samahora ambalwa.

Lapho ubhalisa ikhadi lepulasitiki kumodi eku-inthanethi ukulungela kwayo iklayenti lesikhathi esizayo kuvame ukudluliswa ngalo ama-sms... Ngemuva kokuyithola, kusala ukuvakashela igatsha lasebhange ukuthola ikhadi. Ezinye izinhlangano zezikweletu ziletha amapulasitiki zodwa ekhelini elilungele iklayenti.

Ngaphambi kokuthola ikhadi, kufanele uphinde ucacise ukuthi litholakala ngasiphi isikhathi, nokuthi yimiphi imibhalo ezodingeka. Le ndlela izokusiza ukuthi ulithathe ngokushesha futhi okokuqala ngqa ikhadi.

Isigaba 5. Ukuqala ukusebenzisa ikhadi nokuthola imali emuva

Lapho ikhadi likhishwa, lihlala likhokha ngalo kuphela ukuze lithole ukubuyiselwa imali. Kubalulekile ukukhumbula imibandela yokuqongelela kwayo futhi ungakhohlwa ukuyithobela. Ukubuyiselwa kwemali kwenziwa ngaphakathi kwesikhathi esinqunywe yimithetho yesevisi yamakhadi.

Imvamisa, abanikazi bepulasitiki abanemali emuva emuva kokuyithola baqala ukuthenga ngayo kuphela izimpahla nezinsizakalo lapho kubuyiselwa imali enkulu.
Ochwepheshe abatusi ukwenza lokhu. Bayakukhumbuza ukuthi uma lisebenzisa kuphela imali eyengeziwe ebuyisiwe, ibhange lingacabanga ukuthi iklayenti lisebenzisa kabi izinsizakalo ezinikezwayo. Kulokhu, imbuyiselo kungenzeka ingakhokhelwa.

Uqondiswa yimiyalo ethuliwe, ungakhipha kalula ikhadi elinemali ebuyiswayo futhi ufunde ukuthi ungayisebenzisa kanjani ngenzuzo ephezulu.

4. Yimaphi amabhange ahlinzeka ngamakhadi amahle kakhulu anemali ebuyiswayo ngo-2020 - izikhungo zezikweletu ze-TOP-3 ezinezimo ezinhle 🏦

Ukukhetha okuhle kakhulu kunani elikhulu lamabhange ahlinzeka ngamakhadi anemali emuva, kuzodingeka uchithe isikhathi esiningi.

Ungayisindisa ngokusebenzisa izilinganiso ezihlanganiswe ngokukhethekile ngabachwepheshe. Bafunda izipesheli eziyishumi nambili ezivela emabhange ahlukahlukene bese bekhetha ezinenzuzo enkulu. Isibonelo sesilinganiso esinjalo sivezwe ngezansi.

1) I-Alfa-Bank

Izinzuzo ze-Alfa-Bank ngokwesiko zihlukaniswa:

inethiwekhi ebanzi yamagatsha;
Indlela yomuntu ngamunye eklayenti ngalinye;
imigomo yesevisi evumayo;

Ngaphezu kwalokho, imikhiqizo emisha yenziwa njalo lapha ehambisana nesikhathi.

Ikhadi le-CashBack uzuze ukuthandwa okukhulu phakathi kwamakhasimende e-Alfa-Bank. Isikhungo sezikweletu sikhipha ikhadi elinjalo 2Izinhlobo ze -x - isikweletu futhi ukudonswa kwemali.

Ngemuva kokukhipha noma yimaphi amakhadi aqanjiwe, iklayenti lingalindela ukuthola:

10% amanani asetshenzisiwe ku- amagalaji kaphethiloli;
5% kusuka kumasheke ikhefi futhi izindawo zokudlela;
1% kuzo zonke ezinye izinkokhelo zezimpahla nezinsizakalo.

Imibandela esemqoka yekhadi lasebhange izoba ngale ndlela elandelayo:

imali kuze kube 6% kubhalansi;
ukukhishwa nokubhaliswa ngaphandle kokushaja ikhomishini;
izindleko zensizakalo - 1 990 ama-ruble minyaka yonke;
inani lokubuyiselwa kwemali lingafinyelela 5 000 ama-rubleuma izindleko ekhadini kunoma yiziphi izindawo zokuthengisa zifinyelela ku- hhayi ngaphansi 30 000 ama-ruble.

Uma ukhipha ikhadi lesikweletu lohlobo okukhulunywa ngalo, imibandela izokuba kanjena:

umkhawulo kuze kube 300 000 ama-ruble;
isikhathi somusa kuze kube 60 izinsuku, kufaka phakathi irisidi yemali;
ukuqala kwesikhathi esingenantshisekelo kusukela ngesikhathi sokwenza kokuqala;
izaphulelo kuze kube 15% lapho uhlala nabalingani besikhungo sezikweletu;
imali emuva kuze 3 000 ama-ruble ngenyanga ngezindleko okungenani 20 000 ama-ruble.

2) Ibhange iTinkoff

I-Tinkoff ingenye yamabhange aseRussia athandwa kakhulu. Ezweni lethu, lesi ukuphela kwesikhungo esisebenza ngezikweletu esenza imisebenzi yaso kude kakhulu, okungukuthi, ngaphandle kokusebenzisa amahhovisi.

Okudume kakhulu yimikhiqizo yamakhadi asebhange. Idebithi nepulasitiki oyikhiqizayo ithatha cishe 11,5% wemakethe yonke yaseRussia.

I-debit card I-Tinkoff emnyama uletha umnikazi wayo imali engenayo ephindwe kabili:

kubhalansi ye-akhawunti kuze kufike 300 000 ama-ruble kwanda 6% ngonyaka;
kusuka ezimalini ezichithwe ukuthenga kubuyiselwa kuzo 30%.

Ozakwethu bebhange bahlinzeka izaphulelo lapho ukhokha ngekhadi elibuzwayo, okungeziwe izinhlelo zebhonasi.

Okudume kakhulu phakathi kwamakhadi wesikweletu yi Tinkoff Platinum... Ungaboleka kuso ngaphambi 300 000 ama-ruble... Isikhathi somusa sesifikile 55 izinsuku. Usayizi wokubuyiselwa kwemali ngezipesheli ufinyelela 30%, okunye ukuthenga - 1%.

3) I-Sovcombank

Sovcombank Ingabe ibhange lesimanje elithandwa kakhulu phakathi kwabantu. Izipesheli ezintsha ezihlukile zenziwa njalo lapha. Enye yezinto zokugcina ezidingeka kakhulu isitolimende ikhadi Halva.

Uhlelo lwesitolimende luyahluka emalimboleko ngoba akukho nzalo ekhokhiswayo kuso sonke isikhathi. Kukhadi okukhulunywa ngalo, ubude balo buya ngokuthi kuthengwe kuphi. Ithemu enkulu ngu 12 izinyanga.

Eminye imibandela ifaka okulandelayo:

ikhadi likhishwa futhi lihlinzekwa mahhala;
isivinini esikhulu sokukhiqiza;
ukulethwa mahhala;
imali emuva kuze 1,5%;
ibhalansi engenayo kuze kufike 8% ngonyaka.

Ukwenza kube lula ukuqhathanisa amakhadi, izimo zawo eziyinhloko zethulwa etafuleni. Ukugcizelelwa kumakhadi wesikweletu.

Kubalulekile ukukhumbula, ukuthi umhlomulo wokusebenzisa ikhadi lesikweletu uzokhushulwa uma isikweletu sikhokhelwa kungakabikho nzalo.

Ithebula "amabhange we-TOP-3 anezimo ezinhle zokukhipha amakhadi anemali"

Inhlangano yezikweletu	Igama lomkhiqizo wekhadi	Usayizi wokubuyisa imali	Isikhathi sesikhathi somusa
I-Alfa Bank	*ICashBack*	Ngaphambi 10%	Ngaphambi 60 izinsuku, kufaka phakathi irisidi yemali
*Ibhange iTinkoff*	Tinkoff Platinum	Ngaphambi 30% kuzipesheli	Ngaphambi 55 izinsuku
*Sovcombank*	Ikhadi lesitolimende seHalva	Ngaphambi 1,5%	Ngaphambi 12 izinyanga kuya ngesitolo

* Ngemininingwane yakamuva ngemibandela yokuthola amakhadi asebhange, bheka amawebhusayithi asemthethweni.

Ukubuyekezwa kwamakhadi wesikweletu nawasebhange amahle kakhulu anemali ebuyiswayo

5. Yiliphi ikhadi elinemali ebuyiswayo ongayikhetha - ukuqhathanisa nokukalwa kwezinhlinzeko ezi-5 ezinhle kakhulu 📊

Ukunikezwa kwamakhadi okubuyisa imali okwethulwe ngenhla akuwona wodwa. Sinqume ukuvuselela isilinganiso. Funda enye Izinketho ze-TOP 5 zamakhadi ezinokubuyiselwa kwemali okunenzuzobese ukhetha okunikezwayo okulungele wena.

# 1. "Ikhadi le-Visa elinamathuba amahle" avela eSberbank

I-Sberbank ngokwesiko ithandwa kakhulu phakathi kwezakhamizi zaseRussia. Maningi amakhadi edebithi akhiwe lapha, phakathi kwawo wonke umuntu azokhetha inketho enhle kakhulu kuye.

Ukunakwa okukhulu kwamakhasimende phakathi kwabo kufanele "Ikhadi le-Visa elinamathuba amahle"... Ikhiqizwa esigabeni IPlatinamu, Inomklamo omnyama we-laconic futhi ugcizelela ngokuphelele isimo esiphakeme somnikazi wayo.

Ukubuyiselwa kwemali kwenziwa ohlelweni "Ngiyabonga"... Kubuyiselwa imali emuva amabhonasi, iyunithi elilodwa elilingana ne-ruble eyodwa. Ungazisebenzisela ukukhokha ezitolo zomlingani.

Usayizi wokubuyiselwa kwemali uncike esigabeni sokuthengiwe okukhokhelwayo:

10% - lapho ukhokha egalaji likaphethiloli, kanye nezinsizakalo zeYandex-taxi;
5% kumaresidi wezindawo zokudlela ezinhle nezindawo zokudlela;
1,5% kusuka ekukhokheni ezitolo ezinkulu;
0,5% kumasheke ezinye izinkampani.

Izindleko zesevisi yonyaka yekhadi elinjalo yilezi kusuka4 990 ama-ruble... Kodwa-ke, ukusebenzisa imali kusuka30 000 ama-ruble njalo ngenyanga, ungabuyisa le mali ngamabhonasi.

# 2. Ikhadi le- "All Inclusive" elivela ku-Promsvyazbank

Promsvyazbank inenethiwekhi ebanzi yamagatsha, enabantu ngabanye le nhlangano esebenza ngezikweletu esebenza nabo 2005 konyaka. Iwebhusayithi yebhange iqukethe yonke imininingwane edingekayo mayelana namakhadi akhishiwe. Ungafaka isicelo sokubhaliswa lapha.

Ifanelwe ukunakwa okukhethekile Lonke ikhadi elibandakanya wonke umuntuekhishwe yibhange. Usayizi omkhulu wokubuyisa imali, engatholakala kuyo ngenyanga, ngu Ama-ruble ayi-1 000.

Inani lembuyiselo lincike enkampanini okwenziwa ngayo izibalo:

5% lapho ukhokhela uphethiloli, izingubo nezicathulo, amathikithi esitimela namabhanoyi, izimpahla zasendlini namakhaya amancane asehlobo;
3% lapho ukhokha ezitolo ezinkulu.

Imali Yezinsiza ikhadi okukhulunywa ngalo yilona Ama-ruble ayi-1,500 onyakeni wokuqala... Uma ngalesi sikhathi ibhalansi yekhadi eliphansi isezingeni 50 000 ama-ruble, ngonyaka wesibili insizakalo izoba mahhala.

Ngekhadi inzalo iqongelela kubhalansi izimali azihlinzekwa. Uma umnikazi efisa ukuthola isaziso ngokuthengiselana okusefomini ama-sms- imiyalezo, kuzofanele ukhokhe imali ethe xaxa ngale nsizakalo 29 ama-ruble ngenyanga.

I-Promsvyazbank ihlinzeka ngezinga elikhuphukile lokuphepha nekhadi "Ukuvikelwa okukhulu"... Ngokwengeziwe, umnikazi angahlela 2 amakhadi wesimo esiphakeme ku-akhawunti yakho akhululekile ngokuphelele.

Inombolo 3. "Ikhadi le-Smart" elivela ebhange i-Otkritie

Ikhadi elibuyiselwe imali emugqeni ukuvulwa kwebhange ivele maduzane. Kodwa-ke, leli thuluzi selivele lazuza ukuthandwa.

Umkhiqizo obiziwe "Ikhadi le-Smart" ingakhishwa ngqo kuwebhusayithi yebhange ngaphandle kokushiya ikhompyutha yakho. Abanikazi bepulasitiki abanjalo banikezwa ibhonasi.

Uma kubalwa izimpahla ezinikezwe izigaba zephromoshini, kuyabuyiselwa 10% wenani lezindleko.

Kokunye ukuhlola, ukubuyiselwa kwemali kungahluka:

uma inani lezinkokhelo zekhadi lenyanga lidlula 30 000 ama-ruble, uzobuyiselwa imali 1,5%;
uma inani lokuthenga lingaphansi, ukubuyiselwa kwemali kuzolingana 1%.

Izindleko zanyanga zonke zokusevisa ikhadi yilezi 299 ama-ruble... Uma ngalesi sikhathi inani lezinkokhelo ezisebenzisa ikhadi lidlula 30 000 ama-ruble, imali ngeke ikhokhiswe. Kuzofanele ukhokhe imali ethe xaxa 59 ama-ruble ngenyanga nge ama-sms- Izaziso mayelana nokusebenza okuqhubekayo.

"Ikhadi le-Smart" ikuvumela ukuthi uhole hhayi kuphela ngokuthenga. Ibhalansi ifakwa kumholo ngenani le- 7.5% ngonyaka.

Kodwa-ke, labo abadweba ikhadi lokukhipha imali kufanele bazi ukuthi le nsimbi ithatha umkhawulo kulokhu kusebenza kunani le- 150 000 ama-ruble.

Cha. 4. Uhlelo lweBinbonus oluvela eB & N Bank

Ibhange le-B & N isebenza emakethe yezezimali yaseRussia nge 1993 konyaka. Abantu ngabanye banikezwa uhlelo olunenzuzo lapha "IBinbonus"... Kuluhlelo lokuklomelisa abanikazi bamakhadi asebhange abawasebenzisela ngenkuthalo ukukhokha ngaphandle kwemali.

Ukuxhuma kuhlelo lokuthembeka, kwanele ukukhipha noma yiliphi ikhadi lasebhange.

Ngemuva kwalokho, udinga ukwenza noma yisiphi isigaba sisebenzise uhlu olulandelayo:

uyahamba;
ukuthenga ku-inthanethi;
okuzenzakalelayo;
ezokuzijabulisa;
ezemidlalo;
impilo nobuhle.

Okubalulekile inzuzo izinhlelo zokubuyisa imali "IBinbonus" ngukuthi nganoma yisiphi isikhathi umnikazi wekhadi lasebhange angashintsha ngokuzimela isigaba athola ukubuyiselwa imali ngaso.

Ochwepheshe batusa naka ibalazwe "Ukuhlaliswa"... Ungayi-oda kuwebhusayithi ye-B & N Bank. Kulokhu, ukubuyiselwa kwemali kwesigaba esikhethiwe kuzoba 5%, Ngokunye ukubala - 1%.

Kuzofanele ukhokhele ukusevisa ikhadi kusuka450 ama-ruble ngenyanga... Kodwa-ke, uma ukhokha ikhomishini unyaka wonke ngasikhathi sinye, ibhange lizokunikeza isephulelo futhi izindleko zekhadi zalesi sikhathi zizoba 4 500 ama-ruble.

Ngaphezu kwalokho, uma ibhalansi ye-akhawunti yansuku zonke okungenani 100 000 ama-ruble noma inzuzo yanyanga zonke izodlula 50 000 ama-ruble, isevisi izoba mahhala ngokuphelele. Ayikho ikhomishini ekhokhiswayo ngokunikezwa kwezaziso ze-SMS.

Ngekhadi "Ukuhlaliswa" imali eyengeziwe inikezwa ngefomu inzalo kubhalansi... Uma inani lingaphansi kuka- 750 000 ama-ruble azokhokhiswa 6% ngonyaka, ngaphezulu 750 000 ama-ruble - 2%.

Ngaphezu kwekhadi, insizakalo yomshuwalense... Enye ibhonasi ewusizo yile imali eningi... Lo msebenzi ukuvumela ukuthi ufeze ukukhokha kwamakhadi nganoma iyiphi imali elula.

Cha. 5. Ikhadi elibonakalayo "Otkrytie-Rocket"

Rocketbank ingesinye sezikhungo zokuqala zesikweletu eRussia. Ekuqaleni, bekuyiyo uhlelo lokusebenza lweselulalokho kwavumela amaklayenti ukusebenzisa izinsimbi ezidingekayo zezezimali.

AT 2016 IRocketet yatholwa yisikhungo esikweletisa Iyavula... Ngaphandle kokuthi leli bhange linezipesheli ezimbalwa, kunemikhiqizo ezuze inzalo enkulu kubathengi. Okokuqala, kunjalo ikhadi lasebhange "Otkritie-Rocket".

Ukubuyiselwa kwemali kwepulasitiki okukhulunywa ngayo kuyafika 10% yemali esetshenzisiwe. Ngasikhathi sinye, akukho ukuncika esigabeni somkhiqizo noma kwensizakalo ethengiwe.

Enye inzuzo ikhadi ngu izindleko zokugcina eziphansi... Per ama-sms-izaziso kuzodingeka zikhokhwe ngu- 50 ama-ruble njalo ngenyanga. Yonke insizakalo inikezwa mahhala ngokuphelele. Ngaphezu kwalokho, ngekhadi ungathola imali engenayo ngenani le- 8% ngonyaka kubhalansi ye-akhawunti.

Okuwukuphela kwakhe kusimo umkhiqizo okukhulunywa ngawo ukuthi ukubhaliswa kwamahhala ngokulethwa kungenzeka kuphela kubahlali bamadolobha amakhulu. Abanye kuzodingeka bakhokhele ukulethwa noma bashiye umbono wekhadi elinjalo.

Kukhona inani elikhulu le- ukudonswa kwemali futhi amakhadi esikweletu abuyisa imali *... Noma ngubani angathola kalula ukunikezwa okuzoba lusizo olukhulu kuye.

* Ngemininingwane eningiliziwe futhi esesikhathini ngemigomo yokucubungula nokusevisa amakhadi epulasitiki, bheka amawebhusayithi asemthethweni ezikhungo zezikweletu.

6. Izimpendulo Zemibuzo Ebuzwa Njalo (FAQ) 💬

Esikhathini sokujwayela isihloko samakhadi asebhange ane-cashback, abafundi nakanjani banenani elikhulu lemibuzo. Ukonga isikhathi sakho, ngokwesiko sinikela ngezimpendulo kokudume kakhulu kubo ekugcineni kwendatshana.

Umbuzo 1. Ngabe amakhadi asebhange anemali abuyayo anenzuzo?

Sesivele sikuthole ukuthi ukubuyiselwa kwemali kuyini. Ingqikithi yalo mqondo ukubuya kwengxenye yezimali ezichithwe ekuthengeni kusetshenziswa ikhadi lasebhange.

Uhlangothi olulodwa isamba semali mbuyiselo ngokuvamile asibalulekile, asidluli isilinganiso 1%.
Ngokwesinye isandla ungathola ukubuyiselwa kwemali okuphezulu uma ukhokha ngekhadi nabalingani bakho basebhange. Kulokhu, ubukhulu bokubuyiselwa kwemali bungafinyelela 10%.

Umsebenzi wokubuyisa imali ungahlinzekelwa kukho kokubili ukudonswa kwemalifuthi kwe- amakhadi esikweletu... Kodwa-ke, abaningi abaqondi ukuthi kungani amabhange evele enikela kangaka, nokuthi amakhadi anjalo angayonga ngempela imali.

Eqinisweni, ukunikezwa kokubuyiselwa imali kumakhadi ukukhangisa okunekhono okuvela emabhange.

Ukubuyiselwa kwemali kukuvumela ukuthi wenze ngokuphawulekayo khulisa ↑ inani lamakhadi asebhange akhishiwe. Ngisho nalabo abenqabile phambilini ukusebenzisa amakhadi ngezizathu ezahlukahlukene banquma ukukhipha ithuluzi ngokubuyisa ingxenye yokuthenga.

Amakhadi abuyiselwe imali alusizo kozakwethu basebhange. Izinhlangano ezinjalo zokuhweba ngosizo lwethuluzi eliqanjwe kakhulu ukwanda ↑ ukufunwa kwempahla nezinsizakalo.

Kodwa-ke, abanikazi bamakhadi ane-backback akufanele bacabange ukuthi banikela ngezinzuzo kuphela. Eqinisweni, lokhu akulona iqiniso ngaso sonke isikhathi ngenxa yezizathu ezilandelayo:

Ezimweni eziningi izindleko zokusevisa ikhadi ngemali ebuyiswayo kuphakeme ↑ kunokudala. Kodwa-ke, lo mehluko uvame ukungabaluleki futhi awudluli 300 ama-ruble. Uma ikhadi elinokubuyiselwa imali lisetshenziswe ngenkuthalo, umehluko onjalo uzolungiswa ngokushesha ngokubuyiselwa kwemali.
Kubalulekile ukufunda ngokucophelela izimo zenkonzo yamakhadi... Akuvamile ukuthi inani eliphezulu lokubuyisa esikhathini esithile likhawulwe.
Amanye amabhange ethula okuthile izimo zokukhokha imali... Imbuyiselo ingafinyelela kuphela enanini eliphezulu lapho inani elithile lichithwa njalo ngenyanga.
Kwezinye izimo, ukubuyiselwa kwemali okutholakele kungasetshenziselwa kuphela ukukhokhela uhlu olunqunyelwe lwezimpahla namasevisi.

Ngaphambi kokukhipha ikhadi, kubalulekile ukutadisha ngokucophelela inani eliphakeme lokunikezwayo emakethe bese ukhetha izimo ezithandeka kakhulu, kanye nokubuyiselwa kwemali okuphezulu kakhulu.

Umbuzo 2. Yimaphi amakhadi wesikweletu nawasebhange amahle kakhulu anemali ebuyiselwe emuva egalaji likaphethiloli kanye nenzalo esele?

Izinhlangano zezikweletu zihlala zizama ukuhlaziya lapho amakhasimende asebenzisa khona iningi lemali yawo esebenzisa amakhadi asebhange. Kubanikazi abaningi baleli thuluzi, ingxenye enkulu yezindleko ukunakekelwa kwemoto.

Lokhu kufaka zombili ukuthengwa kukaphethiloli eziteshini zikaphethilolifuthi izinkokhelo zokulungiswa nezingxenye zezimoto... Kungakho, ukuze ahehe amakhasimende amaningi, amabhange azama ukukhipha amakhadi ngemali eningi ebuyiselwa emuva yemikhakha yezimoto.

Ama-debit namakhadi wesikweletu anemali ebuyisiwe kanye nenzalo kubhalansi yezimali zakho - iliphi elingcono kubashayeli bezimoto?

Ngaphambi kokunquma ukuthi yiliphi ikhadi elinokheshi ozolikhetha egalaji likaphethiloli, kubalulekile ukutadisha ngokucophelela imigomo yesevisi eyisisekelo ngokunikezwa okufanelekile. Ukuze wenze lokhu, kufanele wazi ukuthi yimiphi imibandela okufanele ihlangabezane nayo ikhadi lasebhange.

Okokuqala, kufanele unake izici ezilandelayo:

Usayizi wokubuyiselwa kwemali esiteshini segesi. Kubalulekile ukuthi imephu isethwe njengomkhakha oyintandokazi inkokhelo eziteshini zikaphethiloli... Yilezi zindleko lapho ukulungiswa komshini kungukuphezulu, kwezinye izidingo ngokuvamile kusetshenziswa imali encane kakhulu;
Inani lembuyiselo yezinye izibalo. Okuzuzisa kakhulu yilawo makhadi okuthi, ngaphezu kokubuyiselwa kwemali kuphethiloli, amanye anikezwe. Akudingeki ukuthi kube yizindleko zemoto ncamashi. Amabhange amaningi namuhla anikela ngemali ebuyiswayo yokukhokha esebenzisa ikhadi lasebhange nganoma yiziphi izimpahla nezinsizakalo;
Izindleko zokugcina eziphansi. Lapho ukhetha ikhadi elinemali ebuyayo, kubalulekile futhi ukubheka ukuthi kuzodingeka ukhokhe malini ngensizakalo yalo. Ezimweni eziningi, uma kungenzeka, thola okungaphezulu kunoku 5% wenani lokuthenga, umnikazi wekhadi kuyodingeka asebenzise izizumbulu zemali minyaka yonke kulondolozo lwayo. Kodwa-ke, akufanele wenqabe ngokushesha ukukhipha ikhadi elikhokhelwayo. Kuyafaneleka ukuqhathanisa izindleko nenani elilinganisiwe lokubuyisa imali. Lokhu kuzokuvumela ukuthi uqonde ukuthi ikhadi elinjalo lingaba yinzuzo kangakanani;
Ithuba lokukhipha amanye amakhadi amalungu omndeni. Kunengqondo ukucabanga ukuthi kungenzeka yini ukukhipha okokusebenza kokukhokha okungeziwe okuxhumene ne-akhawunti enkulu. Le ndlela ayivumeli kuphela khuphula ↑ inani lemali ebuyiswayo ngokusebenzisa imali ngokuhlanganyela, kodwa futhi gcwalisa isimo kwinzuzo yekhadi uma ikhona;
Izinga lezokuphepha lezimali. Kubalulekile ukuqonda ukuthi ukwethembeka kwekhadi lasebhange kunqunywa kakhulu yisikhungo esikweleta ukukhipha. Akufanele wehlise lesi sici kuma-akhawunti akho, ngoba kusekhadini lasebhange lapho kugcinwa khona imali eningi ongafuni ukulahlekelwa yiyo.

Kuze kube manje, ngokusho kochwepheshe, amakhadi asebhange amahle kakhulu anemali ebuyiswa eziteshini zikagesi yile:

Tinkoff Academe lets up to 10% wamanani asetshenziswe ekulondolozweni kwezimoto;
I-Alfa Bank imema abathengi bayo ukuthi bavuke 10% wezimali ezichithwe kuphethiloli;
Thinta ibhange ukhipha amakhadi esikweletu ngezimbuyiselo 3% wamarisidi egalaji likaphethiloli.

Umbuzo 3. Ungayenza kanjani imali kumakhadi ane-Cash Back?

Besebenzisa amakhadi asebhange, abanikazi babo kudala baqonda ukuthi bangasibuyisa kanjani isamba semali esiphezulu kubo. Kusukela kunani elikhulu lamathiphu, sikhethe 4 kusebenza kakhulu.

Iseluleko 1. Khipha amakhadi asebhange anezigaba ezidingekayo

Ngemuva kokuzwa ukuthi ibhange linikela ngekhadi elinembuyiselo, abaningi ngaphandle kokungabaza bayalifaka. Kodwa-ke, abayinaki imigomo yesevisi kanye nerisidi yokubuyisa.

Ngenxa yalokhu, abanikazi abaningi bamakhadi ane-backback abazitholi izinzuzo abazifunayo. Ukugwema lokhu, kufanelekile ukuqhathanisa okunikezwayo hhayi kuphela okuvela emabhange ahlukene, kepha futhi naphakathi kwenhlangano eyodwa.

Okubalulekile! Kufanele ukhethe ikhadi lapho imikhakha yokubuyisa ihambelana nezidingo zeklayenti.
Isibonelo, akunangqondo ukukhipha ikhadi lokubuyiselwa imali lokukhokhela uphethiloli egalaji likaphethiloli kulabo abangenayo imoto.

Uma ungacabangi ngezigaba zokubuyiselwa kwemali okuphezulu, ngeke uze ukwazi ukuthola imbuyiselo enkulu.

Iseluleko 2. Nikeza okuthandayo kumakhadi ahlinzeka ngamanye amabhonasi ngaphezu kokubuyiselwa kwemali

Lapho ukhetha ikhadi elinemali ebuyiswayo, kubalulekile ukuhlola hhayi kuphela usayizi wembuyiselo, kodwa nokutholakala kwamabhonasi angeziwe.

Uma ukhokha ngekhadi, kuzotholakala hhayi kuphela ukubuyisa ingxenye yemali esetshenzisiwe, kepha futhi nokuthola amabhonasi, lokhu kuzoba ukuhlanganisa okungeziwe.

Amakhadi anjalo asebhange ahlinzeka ngezinzuzo eziphindwe kabili:

ukubuyisa imalingendlela yokubuyisa ingxenye yezimali ezidluliselwe ukukhokhela izimpahla nezinsizakalo;
amabhonasi ngesimo samaphoyinti namamayela angasetshenziswa ekuthengeni okuthile.

Kubalulekile futhi ukucubungula ukuthi imigomo yezinhlelo zebhonasi ivame ukuhlinzeka isikhathi sokusetshenziswa kwamabhonasi anqwabelene... Ngakho-ke, kufanele ukhethe ikhadi elinjalo, amabhonasi anqwabelene lapho uzokwazi ukusebenzisa khona kungekudala.

Iseluleko 3. Sebenzisa leli thuba ukukhipha amakhadi angeziwe ku-akhawunti yakho

Amabhange amaningi akuvumela ukuthi ubhalise ambalwa amakhadi angeziwe (kujwayelekile kakhulu kuze kufike ku-5). Lawa makhadi angasatshalaliswa kumalungu omndeni.

Kulokhu, ngamunye wabo uzokwazi ukukhokha esebenzisa i-akhawunti ejwayelekile lapho wonke la makhadi axhumene khona. Ngenxa yalokho, inani lezindleko, ngakho-ke ukubuyiselwa kwemali, liyakhuphuka⇑.

Kodwa-ke, ngaphambi kokusebenzisa leli thuba, kubalulekile ukulinganisa izindleko zokukhipha nokugcina ikhadi ngalinye elengeziwe. Uma izindleko zidlula inani lembuyiselo, ngeke kube khona seluleko esinjengaleso.

Ithiphu 4. Thenga ndawonye

Ukukhulisa inani lezindleko ekhadini, ngakho-ke inani lembuyiselo, ungahlela ukuthengwa ngokuhlanganyela nezihlobo, abangane, nabantu obajwayele... Ngenye indlela, ungabamema ukuthi bathenge ohlwini.

Ekugcineni, wonke umuntu uzozuza:

umnikazi wekhadi uzonyusa inani lembuyiselo ↑;
ukuthenga abantu ngokubambisana kuzokonga isikhathi ohambweni lokuyothenga.

Amakhadi abuyisa imali aya ngokuya ethandwa kakhulu. Kodwa-ke, uzokwazi ukuthola inzuzo yangempela kubo kuphela uma ukhetha kahle. Ngaphezu kwalokho, kubalulekile ukuthatha izeluleko zokuthi ungakhuphula kanjani usayizi wemali etholwayo oyitholile.

Ekuphetheni, sincoma ukubuka ividiyo ukuthi ikuphi ukubuyiselwa kwemali nokuthi ungayisebenzisa kanjani kahle:

Konke lokho okwethu. Sifisela abafundi bethu ukuthi bathenge ngemali ebekiwe, bathola imali enkulu ekhadini labo!

Iqembu lesiza se-Ideas for Life lizobonga kakhulu uma ushiya imibono yakho kule ndatshana engezansi, yabelana ngombono wakho nesipiliyoni sakho ngesihloko sokushicilelwa, kanye nalesi sihloko nabangane bakho. Kuze kube yisikhathi esilandelayo!

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