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Best Cashback Credit Cards in Dec 2020

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Cashback is the best form of benefit you can get. You buy something at the supermarket, and you get some cashback on what you spend, is there a better feeling than that? Getting value back on spends is the best feeling ever, much better than earning reward points or vouchers because you can see real money coming back to your card.

There are many cashback credits cards you can avail of in India, but we are going to talk about the best cashback credit cards in 2020.  Many cashback credit cards offer flat cash backs, many cards provide high cash backs in individual categories like shopping, entertainment, dining, etc.

The best part about cash back credit cards is that they reduce your credit card expenses. Today we did our analysis and narrowed it down to the best cash back credit cards in 2020.

Here are the list of Best cashback credit cards in Dec 2020

  • Citibank Cashback Credit Card
  • HSBC Cashback Credit Card
  • HDFC Moneyback Credit Card
  • HDFC Bharat Cashback Credit card
  • Standard Chartered Manhattan Platinum Credit card
  • Kotak Delight Platinum Credit Card
CREDIT CARDSELIGIBILITY
Citibank cashback credit card The applicant must be above 18 years of age and be an Indian citizen
HSBC cashback credit card Annual income must be 4 lakhs

HDFC Moneyback credit card Age range (salaried): 21 to 60 years
Age range (self-employed): 21 to 65 years
HDFC Bharat cashback credit card Age range: Minimum 21 years. Maximum 60 years
Standard chartered manhattan credit card Age range: 21 to 60 years

Kotak delight credit card Age range: 21 to 60

CITI BANK cashback credit card

citi bank cashback credit card apply online

USP: Cashbacks on telephone bills, utility bills and movie tickets

Joining fee: INR 500

Annual fee: INR 500

What do you get?

  • 15% off on dining at participating restaurants
  • 5% cashback on all utility bills at ‘Citibank online bill pay ‘
  • 5% cashback on movie tickets
  • 5% cashback on telephone bill payments
  • 0.5% cashback on all other spends

HIGHLIGHT: The best part about this card is that this one guarantees you a cashback every time you use it.

Latest offers: Get benefits worth Rs. 3,300+ in the first year and instant loan offers with this credit card.

HSBC cashback credit card

HSBC  credit card apply online

USP: Free credit period up to 45 days, lot of offers on online shopping

Joining fee: Nil

Annual fee: INR 750

What do you get?

  • Up to 15% discount on dining at partner restaurants
  • 5% cashback on all online spends
  • 1% cashback on all other spends
  • Cashback is usually credited within 45 days of credit card statement date
  • No maximum cap on cashbacks

HIGHLIGHTS: This is one of those rare cards which do not have any maximum cap on cashbacks!

Latest offers: Discount of up to Rs. 250 given on purchases made on bigbasket made with the credit card.

HDFC Moneyback credit card


hdfc moneyback credit card apply online

USP:  You can redeem the reward points for cash

Joining fee: INR 500

Annual fee: INR 500

What do you get?

  • 500 reward points as welcome bonus
  • 4 reward points on spends of INR 150 on shopping online
  • E- voucher worth INR 500 on spends of INR 50,000
  • 1% fuel surcharge waiver on spends of INR 400 on fuel
  • Zero liability on loss of card
  • Free accidental death insurance up to INR 50 lakh

HIGHLIGHTS:  You can earn up to twice as many rewards for shopping online and up to 100% fuel surcharge waiver.

Latest offers: Spend Rs 50,000 in a Quarter and get Rs 500 worth E-Vouchers

HDFC Bharat Cashback credit card

HDFC Bharat cashback credit card apply online

USP: Cashbacks on PAYZapp and HDFC SmartBUY, cashbacks on fuel and EMI purchases

Joining fee: INR 500

Annual fee: INR 500

What do you get?

  • Earn 5% cash back on fuel
  • Get 5% cash back on railway ticket bookings
  • Enjoy 5% on grocery spends
  • Earn 5% cash back on bill payments and recharges
  • 1% fuel surcharge waiver applicable on all fuel transactions of the minimum transaction value of INR 400
  • Zero liability on the loss of card

Highlights:  You can save more with this card by using this card for almost everything.

Latest offers: Save up to INR 3,600 annually.

Standard Chartered Manhattan Platinum Credit card

standard chartered manhattan platinum credit card

USP:  This card gives the benefit of having both cashback and reward points

Joining fee: INR 999

Annual fee: INR 999

What do you get?

  • 5% cashback at supermarkets and departmental stores on spends above INR 1,000
  • BookMyShow voucher worth INR 2,000 your first transaction within 90 days
  • 3x more reward points on all retail spends
  • Discounts on dining, shopping, and travel through the good life program

Highlights: This credit card not only provides cashbacks but also discounts and reward points across rotating categories.

Latest offers: You can save up to 20% cashback (Maximum – Rs.600) every month on the amount you spend on Uber rides.

Kotak Delight Platinum Credit card

Kotak delight platinum credit card

USP: Cashbacks on movies and dining

Joining fee: INR 1,999

Annual fee: INR 299

What do you get?

  • 10% cashback on movies and dining on spends of INR 10,000
  • INR 750 cashback or 4 free PVR tickets on spends of INR 1.25 lakh
  • Fuel surcharge waiver on transactions in between INR 400 and INR 4,000
  • Credit shield cover of up to INR 1.25 lakh through delight Shield

HIGHLIGHTS: Enjoy unbelievable cashbacks, waivers on surcharge and many other benefits all in one card.

Latest offers Milestone Benefit of 8 PVR Tickets on spends of INR 1,25,000 every 6 months.

Also Read: Best Credit Cards in 2020

One comment

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