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【図解あり】『かねひで』で増税前よりお得に買い物する方法【沖縄キャッシュレス】

かねひででお得に買い物する方法 キャッシュレス

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。

沖縄のローカルスーパーかねひでとは?

かねひで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。

県内企業ランキング

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⇩⇩

アイキャッチ キャッシュレス沖縄
【沖縄】キャッシュレスでポイント還元が受けれらるスーパーまとめ【お得な支払い方法も解説】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。 10...

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%

キャッシュレス決済 かねひで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。

当初キャッシュレス・ポイント還元対応ではなかったPayPayも、10月21日より対応となりました。

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』

『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)

Tカード

 

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-ペイペイ(簡単、お得なスマホ決済アプリ)

PayPay-ペイペイ(簡単、お得なスマホ決済アプリ)

PayPay Corporation無料posted withアプリーチ

 

paypay yahoo japanカード

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⇩⇩

PayPay(Yahoo japanカードに紐付け)1.5%+yahoo japanカード1%+Tカード提示(Yahoo Japanカード)0.5%+キャッシュレス・ポイント還元5%%

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 PayPay

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)

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。

かねひでキャッシュレス
REXカード(1.25%)+Kyash(1%)+Tカード提示(0.5%)+キャッシュレス・ポイント還元(5%)=7.75%

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

クレジットカード 高還元率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。

高還元率クレジットカードを作ろう

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

REXカード

REXカードを公式ページでみる

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。

楽天カード

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 REXカード 楽天カード
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⇩⇩

沖縄県民におすすめのクレジットカード3選
【最新版】沖縄県民におすすめのクレジットカード厳選3枚をランキングで紹介!!【年会費無料】こんにちは〜当ブログ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。 皆さんク...

Kyashで支払いしよう⇦ここ重要

kyash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⇩⇩

クレジットカードからkyashへチャージ
REXカード(1.25%)+kyash(1%)=2.25%⇦いまここ

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。

実はこのkyashは、つい先日まで還元率2%のモンスターカードだったんです。かなりヤバイですよね。ただ、改悪されて1%になった現在でも十分使う価値のあるカードです。

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。

kyashカード

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

PayPay(Yahoo japanカードに紐付け)1.5%+Yahoo japanカード1%+Tカード提示(Yahoo Japanカード)0.5%+キャッシュレス・ポイント還元5%8%(※2020年2月より7%となります)

②Kyash+高還元クレカ+Tカードで安定した還元を受ける

かねひでキャッシュレス
REXカード(1.25%)+Kyash(1%)+Tカード提示(0.5%)+キャッシュレス・ポイント還元(5%)=7.75%

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。

まとめ

・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⇩⇩

アイキャッチ キャッシュレス沖縄
【沖縄】キャッシュレスでポイント還元が受けれらるスーパーまとめ【お得な支払い方法も解説】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。 10...

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♩

クレカは『楽天カード』がおすすめ

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。楽天カード

・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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