こんにちは〜宜野湾タイムをご覧いただきありがとうございます。
管理人のタケ（@take4futenma）です。
沖縄は内地にはないローカルなスーパーが数多く存在します。
その中でも沖縄のスーパーの店舗数で第２位に君臨している『かねひで』が家から一番近いスーパーの人は多いのではないでしょうか？
そんなかねひでで買い物している方はどういった支払い方法をしていますか？
当記事では、かねひでで買い物する際に『どういった支払い方法をすると一番お得か？』というところに焦点を当てて紹介したいと思います！！
なんと、増税前よりお得にお買い物出来るようになります。
Contents
沖縄のローカルスーパーかねひでとは？
冒頭でもふれましたが、沖縄のスーパーの中で店舗数第２位を誇るかねひで。
その数はなんと、59店舗！！
| 沖縄のスーパー店舗数一覧 | |
|---|---|
| サンエー | 68店舗 |
| かねひで | 59店舗 |
| マックスバリュー | 31店舗 |
| Aコープ
（ファーマーズ含む） |
30店舗 |
| ユニオン | 18店舗 |
金秀商事という県内の企業売り上げランキングでも６位の超優良企業です。
※琉球新報webより引用
店舗数が多い＝家から一番近いスーパーがかねひでの確率が高いですね。
僕の感覚でいうと、沖縄のスーパーの中ではユニオンとBIGの次くらいに安さをウリにしているスーパーではないかと思います。
かねひでは『キャッシュレス・ポイント還元事業』に対応している
2019年10月〜2020年6月までの９ヶ月間は消費増税に伴い、国が『キャッシュレス・ポイント還元事業』というものを立ち上げました。
国の狙いは２つあって、
・キャッシュレス決済の普及
・増税後の景気落ち込み緩和
です！！
これは、『増税した変わりにキャッシュレスで支払えば2~5%国がポイント還元するよ！！』というまさにボーナスタイム。
しかし、この政策は全ての小売店に適応されるわけではなく、コンビニの直営店や大企業は適応外……
詳しくはこちらをご覧ください⇩⇩
そのため、沖縄の３大スーパーのうち、サンエーとイオンは適応外なんです！！⇦衝撃
唯一かねひではこのキャッシュレス・ポイント還元事業の対象となっているので、この９ヶ月はかねひででポイント還元を受けた方がいいと言えます！！
かねひででのキャッシュレス・ポイント還元は5%
かねひででのキャッシュレスポイント還元は5%と今回の政策の中でもっとも高い還元率です。
かねひでで適応されるキャッシュレス支払いの方法はこちら。
・クレジットカード（VISA・JCB・マスター・アメックス・ダイナース）
・デビットカード
・楽天Edy
・T-マネー
・iD
・au WALLET
・JCB PREMO
・PayPay⇦2019年10月21日より適応されました
ほとんどのキャッシュレス決済に対応しています。
PayPayが使用出来る事で決済の幅が広がりました。
当ブログでは２つの決済方法を紹介します。
かねひででお得にキャッシュレス決済する２つの方法
ではここからが本題です。
かねひででお得に買い物する方法はズバリ
『キャンペーンを狙ったPayPay決済』と
『クレジットカードを組み合わせたキャッシュレス決済』です！！
順番に解説します。
①PayPay決済で８%還元＋キャンペーンの恩恵を受ける
PayPay支払いでキャッシュレス・ポイント還元が受ける事が可能になりました。その恩恵を最大化するためにはまず、通常のTカードではなく、Yahoo Japanカードが必須になります。
（PayPay残高からの支払いでも1.5%の還元率ですが、チャージはYahoo Japanカード以外のクレカは利用できません。PayPay決済でポイントがつくのもYahoo japanカードの特直です）
このYahoo JapanカードとPayPayを紐づけることで合計の還元率2.5%高還元のシステムを作り出す事ができます！！
PayPayを使うならYahoo Japanカードは必須アイテムという事です。
還元率をまとめると下記のようになります⇩⇩
このPayPay決済で８%の還元率になりますが、PayPayの凄いところはここから！！
頻繁に行われるキャンペーンが肝です。
例えば現在（2019年12/1〜2020年1/31）ならキャッシュレス・ポイント還元の5%とは別に20回に１回は1000円戻ってくるキャンペーンが開催されています。
かねひでは、上記のキャンペーンの対象なので、還元率８%以上が期待できるお店なんです！！
そのため、Yahoo JapanカードとPayPayを紐づけた上でのお支払いする事をおすすめします。
PayPay内にモバイルTカードもあるので財布すら持たなくても良くなるのが非常に便利です♩
Yahoo JapanカードからPayPayへチャージした場合、Tポイントが1%還元され、上記の計算に＋１％で常時８％の還元率を誇る最強なシステムとなるのですが、2020年２月よりそれが廃止になるとのこと。（非常に残念）
| 現 | 新（2020年２月〜） | |
| PayPay決済 | Tポイント1%~ | 0 |
| PayPay残高 | Tポイント1%~ | 0 |
②クレジットカード＋Kyash＋Tカードでいつでもお得に支払う
PayPayでは最大7%還元＋キャンペーンを狙って最大化を狙う戦略でしたが、安定的に高還元率を狙う方法がこの②クレジットカード＋Kyash＋Tカードです。
クレジットカードの組み合わせではイマイチ分かりづらいので組み合わせを図解しました。
かねひででキャッシュレス決済する際に安定した高還元率が望めるのがこの支払い方法です。
クレジットカードに詳しい方であれば、これだけで説明は終わりですが、今回は僕の奥さんにも分かるように説明します。
高還元率のクレジットカードを作ろう
自分が持っているクレジットカードの還元率って把握していますか？
私の周りでも意外にクレジットカードの還元率について把握していない方も多いんですが、クレジットカードの還元率って0.5~1.25%くらいまでかなり幅があります。
0.5%の還元率に比べると1.25%の還元率なら還元率は1.5倍です。
もし、年間100万円カードで支払いをしている場合……
0.5%還元のクレカだと…..5000円分のポイント
1.25%還元のクレカだと….12500円分のポイント
7500円分も違ってきます！！
そのため、少しでも還元率の高いクレジットカードを使用することをオススメしています。
その中でも年会費無料で高還元率のクレジットカードがREXカードです。
年会費無料のクレジットカードの中ではもっとも高い1.25%の還元率を誇るカードです。
還元されたポイントも請求額から差し引きされる仕組みのため、無駄が一切ありません。
また、楽天のサービスを使っているorこれから興味があるという方には楽天カードがおすすめです。
日常生活で使用する場合は還元率1%の平凡なカードですが、楽天市場やその他楽天のサービスを使用する場合異常なくらい楽天ポイントが貯まります。
こちらも年会費無料で作るだけで5000ポイント貰えるため作っておいて損はないでしょう。
| オススメの高還元率クレジットカード | ||
| REXカード | 楽天カード |
|
| カードデザイン | |
|
| 年会費 | 無料 | 無料 |
| 還元率 | 1.25% | 1% |
| ポイント | REXポイント
（請求額から引いてくれるので安心） |
楽天ポイント
（楽天のサービスが多く、現金並に使える） |
| 特徴 | ・無料カードでもっとも高還元 | ・楽天サービスでポイントが異常なほど貯まる
・審査が通りやすい |
この２枚のどれかを選べば、かねひででの買い物はもちろん、それ以外の日常生活でもOKです。
上記２枚がかなりオススメではありますが、住んでいる地域など生活圏にあったクレジットカードを選ぶのも大事です。
そのため、２枚以外の高還元率カードのオススメも、まとめましたので参考にして下さい⇩⇩
Kyashで支払いしよう⇦ここ重要
今回の『かねひででいつでもお得に買い物する方法』の肝がこちらのkyashの利用です！！
このkyashはクレジットカードからチャージできるプリペイドカードです。
そのため、kyashへチャージした際にクレジットカードにポイント還元され、さらにKyashで支払いした場合にも1％のポイントがkyashに還元されます。
分かりづらいですよね？(> <)
図解するとこんな感じです⇩⇩
支払いをクレジットカードで行うのではなく、kyashというプリペイドカードを間に挟むことで還元率が＋１％になります。
kyash自体はバーチャルカードとリアルカードの両方あり、リアルカードが実際に発行される水色のカードになります。そちらの方が還元率も１％といいので、そちらを選びましょう。
また、限度額もこの２つで差があるので必ずリアルカードを作りましょう。
| kyashリアルカード | kyashバーチャルカード | |
| 年会費 | 無料 | 無料 |
| 還元率 | 1％ | 0.5% |
| １日利用限度額 | 5万円 | 3万円 |
| １ヶ月利用限度額 | 12万円 | 12万円
※登録カードによって 異なる |
また、クレジットカードはVISAかMasterCardしか登録できないので注意が必要です。
かねひで一番お得な支払い方法 まとめ
かねひででの決済方法は大きく２つの方法があります。
①PayPayで7%の還元＋キャンペーンによる還元を受ける
②Kyash＋高還元クレカ＋Tカードで安定した還元を受ける
①PayPayで7%の還元＋キャンペーンによる還元を受ける
②Kyash＋高還元クレカ＋Tカードで安定した還元を受ける
上記の方法でかねひでで決済すると、還元率が最大7.75%まで引き上げられて一番お得です。
10%に増税された商品（お酒など）でもこの支払い方法で増税前より安くお買い物が出来ます。
・かねひででキャッシュレス・ポイント還元で5%還元を受ける事が出来る
・PayPay残高支払い＋キャンペーンでお得に支払い出来る
・高還元率カード＋kyash＋Tカードで還元率を最大化出来る
・一度設定してしまえば、9ヶ月間何も考えずに得をする
沖縄のスーパーは独自の進化をしていて、どのスーパーも面白いです。
キャッシュレス・ポイント還元を実施している2019年10月〜2020年6月の９ヶ月間は対応のスーパーを利用する方がお得に利用出来ます。
かねひで以外でキャッシュレスポイント還元を実施しているスーパーはこちら⇩⇩
今回は沖縄の３大スーパーの１つかねひでで増税前より得する支払い方法を解説しました。
もし良ければTwitterのフォロー（@take4futenma）までしてくれると嬉しいです♩
星の数ほどあるクレジットカードで、結局どれを作ったらいいか分からなくなる方は多いと思います。
宜野湾タイムでは迷ったら『楽天カード』をオススメしています。
・年会費無料
・還元率1%（楽天市場内での使用で最大16倍までUP可能）
・カードを作成するだけで5000ポイントもらえる
それ以外にもメリットが多い楽天カードはメインカードにふさわしい最強カードです。
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