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

[helloworld]

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/

 

[HackerHP]

Not getting flipkart grocery on otp page for live +

Any solution @VISHESH_BANSAL

 

[helloworld]

Not getting flipkart grocery on otp page for live +

Any solution @VISHESH_BANSAL

heard that they're providing proper mcc irrespective of merchant name, so try once.

make a failed tranaaction (like disable online), chat support for that mcc then proceed.

 

[HackerHP]

heard that they're providing proper mcc irrespective of merchant name, so try once.

make a failed tranaaction (like disable online), chat support for that mcc then proceed.

In otp page not showing flipkart grocery🥹

 

[helloworld]

In otp page not showing flipkart grocery🥹

I get that, maybe that name also support 10% now, check once with support for mcc.

these things changes often.

 

[Card_Crafter]

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.

 

[the.mj208]

HSBC cc payments through unipay and airtel is not working for me since last few days, is there any alternative with HDFC platinum dc. Have huge payments piled up.

 

[helloworld]

HSBC cc payments through unipay and airtel is not working for me since last few days, is there any alternative with HDFC platinum dc. Have huge payments piled up.View attachment 80637

unfortunately it stopped last week, hope for the best meanwhile, this is what HSBC shared in recent mail

 

[the.mj208]

unfortunately it stopped last week, hope for the best meanwhile, this is what HSBC shared in recent mail

Thanks, have you tried billdesk. Is that working I paid some amounts just now but didn't reflect in card yet.

 

[helloworld]

Thanks, have you tried billdesk. Is that working I paid some amounts just now but didn't reflect in card yet.

it will take 2 to 3 working days.

 

[helloworld]

Thanks, have you tried billdesk. Is that working I paid some amounts just now but didn't reflect in card yet.

btw, billdesk is official method to pay bills, if payment successful mostly it will credit in 2 to 3 working days for any bank. Just that no reward points or 0.25% for rare cases, nothing extra, again this is one of the official payment method so it will support by all banks.

Unipay/Canara/HDFC Billpay etc. not a concern for any credit card company, if it works well and good for us, other wise its our responsibility to choose alternative method and always "pay on time".

 

[Card_Crafter]

HSBC cc payments through unipay and airtel is not working for me since last few days, is there any alternative with HDFC platinum dc. Have huge payments piled up.View attachment 80637

Pay on Canara Setu using RBL or Indusind DCs for cashback.

No cashback on HDFC.

I just paid 11k and it's credited instantly.

 

[Jaganath]

I get that, maybe that name also support 10% now, check once with support for mcc.

these things changes often.

Today, I have ordered from Flipkart grocery and the mcc code is 5699 (miscellaneous).
I emailed the Flipkart grievance team a few days ago about the MCC issue. They are still working on it, and I’ve been getting updates from them.

 

[koinahi]

I got 5311 for local grocery shop in tata neu infinity. Should I try with liv+ ?

 

[helloworld]

I got 5311 for local grocery shop in tata neu infinity. Should I try with liv+ ?

yes usually local grocery stores use same mcc, no issues with 10% but anycase you already confirmed, so can use now.

 

[koinahi]

yes usually local grocery stores use same mcc, no issues with 10% but anycase you already confirmed, so can use now.

MCC 5311 is not there in the list, I want to know if it is tested for 10% on Liv+ card. Otherwise it will be 1.5% instead of 10%.

 

[helloworld]

MCC 5311 is not there in the list, I want to know if it is tested for 10% on Liv+ card. Otherwise it will be 1.5% instead of 10%.

I meant there are no changes observed with 10% mcc. Based on your mcc it will be eligible for 1.5%, but can try your luck.

 

[jeevanreddy58]

where to pay HSBC bill payment using DC?

 

[helloworld]

where to pay HSBC bill payment using DC?

someone mentioned canara working again, so check once. unipay had trouble fetching billpay. let us know latest if any changes in that.

 

[shu_sha_]

someone mentioned canara working again, so check once. unipay had trouble fetching billpay. let us know latest if any changes in that.

Nopes both setu and unipay not working tried today

 

[Tarun239]

When is the cashback credited for hsbc live plus credit card?When is the joining fees reversed after fulfilling the criteria?