HSBC Live+ Cashback Card 10%, 1.5%, 0% Offer Fullfilment Sheet - MCC

[noidea]

Inspired by SBI Cashback Card Sheet and Swiggy HDFC MCC Code website, I went ahead and started a HSBC Live+ Cashback Card sheet.

By default, most Swiggy 5% and SBI 5% cashback merchants in grocery would qualify for HSBC Live+, however I would only request you to add those which you have actually transacted for.

One USP of this is to also see which Grocery and Dining merchants (offline) use correct MCCs to credit 10% Cashback.

Sheet here: HSBC Live+ Cashback Card Sheet

 

[Nikhilize]

Also guys take Apay from zep

 

[lightwaves]

Also guys take Apay from zep

Does this give 10% cb on HSBC Live+ card?

 

[Bravo Echo]

After 10k spends is completed, will I get 1.5% cashback on next grocery spends or no cashback at all

 

[Nikhilize]

After 10k spends is completed, will I get 1.5% cashback on next grocery spends or no cashback at all

No cashback after 10k

 

[Garry]

Does the statement show how much cashback was given for each transaction and when it gets credited after the statement is generated?

 

[Bravo Echo]

Does the statement show how much cashback was given for each transaction and when it gets credited after the statement is generated?

No way to check transaction wise cashback
Cashback gets credited after 3 days of statement generation

 

[Garry]

I made 2 transactions on a local grocery store on different dates and chat support is telling that one transaction comes under MCC 5331 (1.5%) and other transaction is under MCC 5411 (10%). is there a mistake or something else I need to check before doing transactions?

 

[Bravo Echo]

I made 2 transactions on a local grocery store on different dates and chat support is telling that one transaction comes under MCC 5331 (1.5%) and other transaction is under MCC 5411 (10%). is there a mistake or something else I need to check before doing transactions?

If the shop is using wrong mcc then there's nothing u can do

 

[Garry]

If the shop is using wrong mcc then there's nothing u can do

but if its wrong at shop end, it will be for both transactions, right? Chat support is saying one is under 10% and other is 1.5%. 😕

 

[Bravo Echo]

but if its wrong at shop end, it will be for both transactions, right? Chat support is saying one is under 10% and other is 1.5%. 😕

Used same pos machine for both transaction?
And what about the merchant name?

 

[Garry]

Used same pos machine for both transaction?

on the counter, it was one machine both times which was paytm. now not sure, if it was same or shopkeeper use more than one machine. 😳

 

[Bravo Echo]

on the counter, it was one machine both times which was paytm. now not sure, if it was same or shopkeeper use more than one machine. 😳

Ask cc for mcc again, if they still say wrong mcc then definitely shop is using different pos machines

 

[Garry]

Ask cc for mcc again, if they still say wrong mcc then definitely shop is using different pos machines

ok thanks, will try that. Btw do shopkeepers get any negative/positive for MCC. Thinking to ask directly to shopkeeper about it as most of my grocery comes from that shop.

 

[Bravo Echo]

Btw do shopkeepers get any negative/positive for MCC. Thinking to ask directly to shopkeeper about it

Let me know too

 

[vaibhavpp0707]

I am planning to pay using live + at royal Enfield (Not on POS machine, using online payment link). This card will fetch 1.5% cashback?

 

[Bravo Echo]

I am planning to pay using live + at royal Enfield (Not on POS machine, using online payment link). This card will fetch 1.5% cashback?

If possible do one small test transaction first to know their mcc code

 

[vaibhavpp0707]

If possible do one small test transaction first to know their mcc code

Ok. Will try for it. Last time I had used axis Ace card for royal Enfield online payment. I had received 1.5% cashback in March on 2 lacs transaction. Now thinking to use it on Live+ so that I will hit fee waiver.

 

[Bravo Echo]

Ok. Will try for it. Last time I had used axis Ace card for royal Enfield online payment. I had received 1.5% cashback in March on 2 lacs transaction. Now thinking to use it on Live+ so that I will hit fee waiver.

Ask axis for mcc code then
Hsbc live plus have some extra exclusions, so check on live+ website whether that mcc is eligible or not

 

[IDontThinkSo]

Btw do shopkeepers get any negative/positive for MCC

Yes, depending on the category and negotiations things can be different.
The charges also vary for card type too, like if its Amex, Visa etc, and a reason why AMEX is not accepted because it charges a lot.
Sometimes there could be offers too like few PSU banks were charging nothing for Rupay based cards for a while and some were offering free for a year and can be negotiated.

For example, here is what Razorpay discloses about its charges:

POS Machine Charges and Fees in 2025

Explore POS Machine Charges and Transaction Fees in 2025: Understand how Point of Sale systems impact businesses, including costs, implications, etc. Read on!

razorpay.com

 

[Garry]

No way to check transaction wise cashback
Cashback gets credited after 3 days of statement generation

does cashback received count as payment? Can I pay the outstanding amount after deducting the cashback amount or have to pay in total as per statement?