HSBC Live+ (Previously Cashback) Credit Card: Elevate Everyday Spending

[hellowo₹ld]

Key Features​

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• 10% Cashback on Grocery, Dining & Food Delivery (MCC)
  • Categories: Grocery, Dining, Swiggy/Zomato & Food Delivery
  • Cashback cap: ₹1000 per statement (limit reached if spent ₹10,000) after that 0%.

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• 1.5% Cashback on All Other Spends
  
  • No Cap on the cashback amount
  • Exclusions
    • Fuel | Rent | Utilities | Government Transactions | e-Wallets | Insurance | Education | B2B Goods & Services | Jewelry | Charity | Toll Fees | Cash Advances | Outstanding Balance Payments | Card Fees & Other Charges

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• Additional Benefits
  • BookMyShow: Buy 1 Get 1 Free on Saturdays (when booked through the app)
  • EasyDiner: 15% discount (up to ₹500, with a minimum spend of ₹2500).
  • Airport Lounge Access: 4 domestic lounge visits per year (no spend criteria)
  • Annual Fee: ₹999 (waived on spending ₹2 lakhs in a year)

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Oct'24 Update: Cashback is credited in about 3 working days after the statement date.

Sample 10% Eligible MCCs (Reference Purpose Only):

Store/App (eligible for 10%* double check incase)	MCC
DMart	5411
Reliance Smart Superstore	5411
JioMart (online)	5411
Vijetha Super Market	5411
Reliance Smart	5722
Amzn Fresh	5399
Flipkart Grocery	Ensure "Flipkart Grocery" (5411) on OTP Page
Cashfree Gateway	5499
Swiggy	5499
CountryDelight	5499
Tataneu Food Delivery	5499
Tataneu Grocery	5411
FTH Daily
Zomato
BB Daily
Zepto
BigBasket	Innovative Retail
Flipkart Minutes

Mall Food courts, Nearby grocery stores, Supermarkets, Swiggy Instamart, EasyDiner, Restaurants, KFC, Dominos and DMart - working for 10% cashback (provided they have proper MCC).

Note: The transactions for each category are identified through Merchant Category Codes* (MCC), defined by the Network, e.g. Visa, MasterCard and RuPay.

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This card is alternative to or as backup:

1.5% offline - Alternative to Ace 1.5% Card
10% grocery and food delivery (online) - Alternative to Airtel 10% Card
10% dining (offline) - Alternative to Zenth 5% Card

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Exclusion MCC List:

Realistic Return %​

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Note: An example scenario

Spend: 7000 per month (2k/3k Dining/Food, 4k/5k Grocery) = 84000
Paid annual fee: 1180
Get cashback: 8400
Return %: 8.5%

References:

• Airtel card benefits: https://www.technofino.in/community...k-credit-card-maximizing-your-cashback.31701/
• HSBC Credit card offers [for all users] https://www.technofino.in/community/threads/credit-card-offer-mails-messages-for-all-users.7887/

 

[rajcasio]

Even if you reach capping in 1 month, that will take care of the annual fees. Other 11 months cashback is free of cost

YES. Due to some personal issues i didn't used my LIVE+ properly which i took in Jan 2025.
So far achieved ₹3000 cashback only. Still its a benefit for me . No regrets
4 more months left this year to get the remaining CASHBACK

And people are asking for LTF/Waiver

 

[hellowo₹ld]

Anyway to waive off the annual fee apart from spending the day to day grocery and food purchases.
If we cannot meet the spend criteria does hsbc waive off annual fee?

some cards (more even nowadays) beneficial only when paid fee.

LTF cards are going to shelf day by day without any benefits or rewards.

u can try ur luck but its upto bank and based on ur spends.

 

[Tarun239]

For fees waiver of 2 lakh spend, can spend be done on govt /tax payments, jewellery purchase to get fee waiver, are these category excluded for annual fee waiver as well?

 

[hellowo₹ld]

For fees waiver of 2 lakh spend, can spend be done on govt /tax payments, jewellery purchase to get fee waiver, are these category excluded for annual fee waiver as well?

afaik, except axis and somewhat yes bank, no other bank kept any conditions for fee waiver except usual cash withdrawl, emi, etc.

no exclusions in hsbc.

 

[Tarun239]

afaik, except axis and somewhere yes, no other bank kept any conditions for fee waiver except usual cash withdrawl, emi, etc.

no exclusions in hsbc.

Ok thanks, I checked on their website, nothing mentioned

 

[noidea]

It will take 3 working days. Once shown in statement, date of bill payment is considered.

It takes much longer for HSBC, I have seen 5 working days. They have a manual team who does reconcilation unlike automation in most other CC depts' for lower value settlements.

 

[Mack]

Vishal Megamart has Grocery MCC. I have purchased 2200 worth of clothes/accessories, received 10% cashback.

Zepto has two merchant names, only one ie; Zeptonow is applicable for 10% CB.

MCC And category name?