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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):

1714499138175.png

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:

1701620051864.png
1718468905805.png

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:
 
Last edited:
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    Do we recieve income tax cashback of 1.5% ? If yes, is there any capping?

    Nvm got it in the thread you Linked.

    The agent was trying to fool me by saying yes for govt transactions. They've setup a stall in our corporate campus and scamming people 😂😂
     
    Upvote 0 Downvote
    Jhon Anand said:
    Do we recieve income tax cashback of 1.5% ? If yes, is there any capping?

    Nvm got it in the thread you Linked.

    The agent was trying to fool me by saying yes for govt transactions. They've setup a stall in our corporate campus and scamming people 😂😂
    Click to expand...
    This card used to give but after devaluation it has become useless
     
    Upvote 0 Downvote
    helloworld said:
    Related posts: https://www.technofino.in/community/threads/one-more-devaluation-this-time-hsbc-cashback-card.15623/

    Summary:

    Benefit/FeatureEarlier ValuesNew Changes
    Annual Fee750+18% GST999+18% GST
    Fee Waiver1L2L
    Online Spends1.5%1.5%
    Offline Spends1%1.5%
    Grocery MCCDepends on Online/Offline Cashback10% (with below two categories upto 1K per month)
    Dining MCCDepends on Online/Offline Cashback10%
    Swiggy/Zomato or Food Delivery MCC1.5%10%
    Blinkit10%10%
    Easydiner30% upto 600 on min.1k30% upto 600 on min.1k
    Amzn Shopping5% upto 250 per month5% upto 250 per month
    TataCliq15% upto 500 per month15% upto 500 per mont
    AJIO10% off upto 1k per month on Tuesdays10% off upto 1k per month on Tuesdays
    BigBasket10% off upto 250 / BBNow: Flat 50 on 60010% off upto 250 / BBNow: Flat 50 on 600
    Lounge Benefit04 per year
    fuel, rental, govt. transactions, e-Wallets, insurance, education, B2B goods and services, jewellery, charity, toll fees, cash advances, payments of outstanding balances, payments of card fees and other card changes0% (e-Wallets, rental) or 1.5% (others)0%

    Ideally if you're availing 10% on and Grocery or Food delivery apps with instant discount, one should also get another 10% as statement cashback. Have to try and confirm (will update if worked).

    View attachment 28260

    Key Points:

    1.5% offline - Alternative to FK 1.5% Card
    10% grocery (offline) - Alternative to StanC Manhattan 5% Card
    10% grocery and food delivery (online) - Alternative to Airtel 10% Card
    10% dining (offline) - Alternative to AU Zenith 5% Card

    View attachment 28986
    Click to expand...
    Do you know the mcc list for 10% cashback?
     
    Upvote 0 Downvote
    nithindv said:
    Anyone verified the cashback with any other restaurants / grocery stores, DMART, Stat Bazaars etc?
    Click to expand...

    In my case it works nearby grocery stores (not big ones like Bazzar or Marts but Grocery stores and supermarkets) and I'm hoping 10% next month because MCC matched. And I know these based on my experience with StanC Manhattan which provides 5% on these shops but again it depends on MCC. And DMart as per my last visit provides 3 MCCs and worked with Manhattan at that time (not a frequest visitor).

    Note: Just reiterating, even if I say my DMart transaction fetched 10%, it doesn't mean it works every DMart. Its more depends on POS machine and when it comes to cashback it 100% depends on MCC.

    Swiggy provides 10% for both Airtel and Cashback* and BigBasket has multiple MCC which we have to verify and see which one working.

    * not yet posted but confirmed with MCC.

    Note: Again, based on my experience each DMart has atleast 4+ POS machines, so even today when I swiped got required MCC, there is no way for sure I know tomorrow that is the POS machine that I swiped yesterday. Its more or like gamble, once you're comfortable stick to that place and swipe happily without any worries, but that needs test transactions, confirmations and frequent usage.

    Funfact: When I had Lunch in a mall, I got fuel surcharge because they're using Petrol MCC POS machine in that restaurant.

    Maybe for better answer, you have to request location specific stores. People who lives nearby and uses those places can confirm.
     
    Upvote 0 Downvote
    Post Oct 1 , 2023 , the amazon offers are discontinued.

    Spoke to customer care and got confirmation on the same.

    Both amazon purchase and billpay offers are discontinued.

    I really dont see this card worth now apart from dining and grocery spends which gives 10% CB.

    See below link for your reference.

    HSBC Visa Cashback Credit Card | Cashback Rewards – HSBC IN

    HSBC Cashback Credit Card offers 1.5% cashback on online transactions and 1% cashback on offline purchases. Apply now and start saving on your expenses today!
    www.hsbc.co.in www.hsbc.co.in
     
    Upvote 0 Downvote
    Sai Ganesh said:
    Post Oct 1 , 2023 , the amazon offers are discontinued.

    Spoke to customer care and got confirmation on the same.

    Both amazon purchase and billpay offers are discontinued.

    I really dont see this card worth now apart from dining and grocery spends which gives 10% CB.

    See below link for your reference.

    HSBC Visa Cashback Credit Card | Cashback Rewards – HSBC IN

    HSBC Cashback Credit Card offers 1.5% cashback on online transactions and 1% cashback on offline purchases. Apply now and start saving on your expenses today!
    www.hsbc.co.in www.hsbc.co.in
    Click to expand...

    Yes. Saw some offers like Easydiner, TataCliq, Ajio removed, will update once this month completed and confirm its not temporary issue.
     
    Last edited:
    Upvote 0 Downvote
    Info: Currently HSBC has only 2 cards (+ Premier only available to NRV customers) one is LTF and another one is Paid.

    And HSBC removed partner offers from all their credit cards along with joining benefits (whatever available now, just to compensate joining fee, earlier it was double).
     
    Upvote 0 Downvote
    sarainfo12 said:
    @helloworld any update on bigbasket ?
    We are currently using tata neu infinity for bigbasket to get 10% neu coins back via tata neu app .
    If this card will give 10% cashback then we can use this because we will get 10% from this card and additional 5% as neu coins .
    15% sounds great deal for me .
    @pprakash11
    Click to expand...
    Need to confirm what's the MCC of big basket?
     
    Upvote 0 Downvote
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