5+ Credit Card Offers to Explore this December 2019

By | December 21, 2019

Here are some of the credit & debit card offers for the month of December 2019. Some of them are there since Nov and some of them are valid till March 2020 as well. Here’s are the list of worthy offers that you can make use of.

1. ICICI – 5% Cashback on International Spends

  • Offer: Save 5% on all International Spends on Amazon Pay ICICI Bank Credit Card
  • Validity: Dec 10, 2019 to Feb 10, 2020
  • Fulfilment: 1% reward points as Amazon Pay balance in monthly statement and 4% as statement cashback / 4% cashback will be credited by Feb 10, 2020 for offer availed during Dec 10, 2019 to Jan 10, 2020 and by March 10, 2020 for offer availed during Jan 10, 2020 to Feb 10, 2020
  • Source

A wonderful offer if you don’t have access to HDFC super Premium credit cards. You save net ~0.5% on forex spends which is an awesome # on a entry-level card.

2. Citi – 2X Points on International Spends

  • Offer: Get 2x rewards points on foreign currency spends with Citi on cumulative spends of Rs 1,00,000 (Non INR)
  • Validity: 15th Dec 2019 – 15th Jan 2020
  • Fulfilment: Within 90 days from the txn date
  • Source

This is by far the most lucrative only and you get grand ~11.5% return (16% -4.5%) on citi prestige.

3. HDFC – 50% Cashback on Markup Fee

  • Offer: 50% Cashback on FCY Mark Up Fee
  • Max. Cap: Rs.1000
  • Type: Targeted, only for select cards that received communication
  • Validity: 1 December 2019 to 30 December 2019
  • Fulfilment: 31st march 2020
  • Source

This is sent to very limited # it seems and as per my inference this goes to the a/c that didn’t see any forex spend yet.

4. Axis – Vistara 2X Points 

  • Offer: 2X Club Vistara Points on flight bookings using your Axis Bank Vistara Credit Card
  • Validity: 16th December 2019 and 15th February 2020
  • Fulfilment: within 90 days post offer end date
  • Source

Not a great offer, would be happy if they had 3X or more, but you may like it if you fly vistara often.

5. HDFC – 5X Points Offer

  • Offer: Get upto 20000 Rewards points every month on spends in Education, Healthcare, Automobile and HDFC Bank Forex Cards
  • Validity: 1st Dec 2019  – 31st March 2020
  • Type: Targeted, only for select cards that received communication
  • Fulfilment: within 90 working days from the end of the transaction month end date
  • Source

The nice part of the promo is its there for 3 more months which is good to see from HDFC.

#6 ICICI – 10% Cashback Offer

  • Offer: Enjoy 10 % Cashback for using ICICI Bank Debit Cards to pay on select spends as above
  • Validity: 20 November to 31 December 2019
  • Type: Targeted, only for select cards that received communication
  • Fulfilment: within 60 working days of the end of the offer period.
  • Registration is mandatory: To register, give a missed call on 7573043999
  • Source

It looks like if you’ve privilege or above accounts as status code, you may get these good offers from ICICI and I’m not sure if they really limit it to those who received the communication, so you may give a try.

I still wonder why on earth ICICI is running these offers on Debit cards and few other offers on Internet banking (??!) and NOT on Credit cards! God knows what they’re upto, hope they wake up soon.

And apart from these, you also have HDFC 5X Points offer on ALL insurance spends.


Its the holiday season and its good to see many credit card companies coming up with decent offers on international spends among other categories. I wish HDFC had 10X on intl spends which they had last year on Diners but looks like the golden days are over.

Anyway, which offer are you availing this December? Feel free to share your thoughts in the comments below.

25 thoughts on “5+ Credit Card Offers to Explore this December 2019

  1. Praveen Katiyar

    A sincere thanks for summarizing all the offers.
    It helps to plan and maximize gains.

  2. Harmanveer Kaur

    Hi…can anyone help me out.
    I want to buy a device on Debit Card EMI from Flipkart/Amazon. When i send the desired message to my bank, it says that I’m eligible for Debit EMI. But Flipkart and Amazon are not giving me the option. The device is Debit-EMI eligible.
    What may be the problem?

    1. Prashant Agrawal

      If you’re unable to see EMI in your payment checkout page, try adding your debit card in Payments to see if you’re eligible. If you still can’t see it, you’re not eligible for Debit Card EMI.

        1. MrNightStar

          No, this has not been the practice on vistara cards. That is why sid said that it is supposed to be default feature.

    1. Siddharth Post author

      They’re aggressive in beginning of the year, as it was in 2019. Let’s see how they handle 2020.

  3. NMS

    Thanks for compiling this list.

    Small typo for Citi Prestige in the line: This is by far the lost lucrative – should be most lucrative.

  4. Saurabh Patel

    HSBC is running an additional 1% cashback on all domestic and 2% on all international spends from 1st Dec 2019 to 5th Jan 2020.

  5. Rohit roy

    Is it better to use Amazon pay card or Diners black for purchase at amazon UK site. In diners black page of yours some one mentioned that there are huge charges for Black card Not sure what exactly they meant.
    Also in T&C of amazon pay card it is mentioned has first the currency would be converted to USD and then to INR so in my case it would Be British pounds -> USD -> INR . Is that true and if so will we end up paying extra markup conversion fees and other charges ?
    Which would be a better option ?

  6. Jatin Chopra

    RBL is giving zero markup fee on all international spends on all rbl debit cards till jan 31st 2020

  7. Prem Taparia


    In the 1st offer regarding 5% returns on International spends using ICICI Card, you’ve mentioned that its ‘A wonderful offer if you don’t have access to HDFC super Premium credit cards’. But aren’t the returns on this offer (5%) better than that on HDFC Diners or Infinia Card (3.33%)? I have both Amazon ICICI and Diners card, so shouldn’t I use Amazon ICICI for any international spends?

    1. Jatin chopra

      Diners has 2% markup and 3.33% rewards so in all you get 1.33% in rewards.
      I would instead get hdfc forex card and load it with $1000 USD to get 5000 reward points if your internatinal spends are in that range.

  8. MR7

    Hi Siddharth
    Thanks for the informational website on CC
    I am looking to get my first credit card and not sure which one to take as there are many options in different categories. Can you suggest a suitable one for me based on my profile
    Income ~14 lpa
    Account in ICICI Bank
    Annual spend (Bills/Movies/Food/Other online shopping) will be around 2.5 – 3 lakhs
    I’m planning for domestic + international (mostly Asia) travels in next 1-2 years which would also increase my spend on the card
    What would you suggest?

    1. Amann


      Go for Icici Amazon Pay card now and 1 more card (lower markup or forex card like niyo or bmf) later before you travel. That said you can always go through Sid’s website and see what suits your spend proportions.

  9. AP

    Hi Siddharth,
    This is my first comment here though I have been coming back to this site for sometime.
    I own the following cards:
    Amex Platinum Travel
    Amex Gold Charge
    Citi PremierMiles
    Yes Exclusive
    StanChart Platinum
    StanChart Titanium
    HSBC Advance
    SBI Elite
    HDFC Infinia

    – Which should be my primary card to collect points? My main redemptions are for flights / hotels and can use Amazon vouchers etc. My typical spend is 1.L per month.

  10. Venkat

    Is it possible to buy tickets from Expedia or other US-based OTAs for an India-US roundtrip and pay in $? Or will Expedia default to INR once I hit the payment gateway? I have an upcoming family trip in J and this seems very tempting even considering the forex charges…. Thanks.

      1. Venkat

        Thanks. Will try. 20K Prestige points for two J tickets seems attractive for the roughly 18-20k rupees that Citi will charge…


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