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

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helloworld

helloworld

TF Legend

Key Features​


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  • 10% Cashback on Grocery, Dining & Food Delivery (MCC) :hamburger:
    • Categories: Grocery, Dining, Swiggy/Zomato & Food Delivery
    • Cashback cap: ₹1000 per statement (limit reached if spent ₹10,000) after that 0%.
  • 1.5% Cashback on All Other Spends :partyface:
    • No Cap on the cashback amount
    • Exclusions :shushing-face:
      • 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
  • Additional Benefits :clapper-board::airplane:
    • 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)

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

Sample 10% Eligible MCCs (Reference Purpose Only):

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Below stores has MCC 5411
1. DMart= 5411
2. Reliance Smart Superstore
3. JioMart (online)
5. Vijetha super market

Reliance Smart = Saw multiple posts mentioning different MCCs: 5722
Amzn Fresh = Saw multiple posts mentioning different MCCs: 5399
Flipkart Grocery = Ensure "Flipkart Grocery" (5411) on OTP Page.

6. Cashfree gateway = 5499
7. Swiggy = 5499
8. CountryDelight = 5499
9. Tatanue Food delivery = 5499
10. Tatanue Grocery = 5411
11. FTH Daily
12. Zomato
13. BB Daily

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.

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

Exclusion MCC List:

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Realistic Return %​

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:
 
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helloworld said:
In Aug transactions ..

I observed ₹185 as "rewards credit"

and ₹565 as cashback from "Jul Statement"

but, I'm eligible for ₹750 total cashback which surprisingly they split into two categories.

Not sure what criteria they're following for "rewards credit" because it doesn't match any of my calculations but overall its matching.

So, don’t consider this "rewards credit" as extra cashback because this matches overall (or maybe they fixed it).

let me know anyone got higher than expected cashback.
Click to expand...
We got our 2nd hsbc cashback card last month , first statement billing date is August 6th , but got rewards credit at 7th August.
Generally hsbc won't credit this much fast and also cashback is wrong , because I spent 10k on dining and others 20k+ , so I should get more than 1.3k but I got only 1182 . So i asked them and customer care also has no clue . So they registered as complaint.
2 days ago they called and informed me that this is automated cashback calculated by system . If any missing cashback we will post it on next month .
And also they mentioned this new system introduced after live+ launched .

But I still don't understand properly because I was half sleep when they called 🤣🤣.
 
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raghavb6 said:
Any source for LTF or FTF?
Click to expand...

FYI:

HSBC really really have only two cards ...

1. LTF (VISA Platinum)
2. Paid (HSBC Cashback)

If they offer this too as LTF then we won't be having the benefits that are there now or bank itself stop maintaining credit cards rewards like SC or IDFC. I don't want it to be LTF because I want it to sustain the benefits its offered currently, but that my opinion.

Ignore HSBC Premier because that needs premier relationship which need strictly 3Lpm salary or 40L TRV (if not maintained 24k, so mostly out of reach).
 
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harshgupta940 said:
How is it double if HSBC is not giving 10% on Fk Grocery as mcc is not correct by Flipkart.
Idk what mcc Flipkart uses it doesn't even give 5% in Swiggy HDFC
Click to expand...
From last Month Flipkart is tagging Correct MCC for Grocery Purchases.

So they Excluded Live+ so that double Dip do not happens. Also Swiggy HDFC do not give 5% on Grocery MCC.

Earlier it is Apparels but from last month Flipkart Tagging Correct MCC.


Observe the Merchant name too. It is "Flipkart Grocery" on OTP Page.
 
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harshgupta940 said:
How is it double if HSBC is not giving 10% on Fk Grocery as mcc is not correct by Flipkart.
Idk what mcc Flipkart uses it doesn't even give 5% in Swiggy HDFC
Click to expand...

then its flipkart issue if they tagged different. banks are very blind with mccs irrespective of purchase, applicable for all banks.

hsbc perspective they already providing 10% so excluded.
 
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