Kināyah moves from an expressed picture to an associated trait or consequence: “open hands” communicating generosity.
Taʿrīḍ uses an apparently general statement to point indirectly at a particular person or circumstance: an ethical instruction has a known historical occasion without reducing its words to that one incident.
The two can interact, but they are not interchangeable. For kināyah ask which familiar implication the expression conveys. For taʿrīḍ ask which specific situation the utterance indirectly addresses. The first inquiry relies especially on idiom; the second depends more heavily on discourse setting and reliable historical information.