HSBC Live+ Credit Card Review | HSBC Cashback Credit Card Rebranded

Editor’s note: This is a recurring post, regularly updated with new information and offers. Last Updated 15th July, 2024.

HSBC revamped their Cashback Credit Card back in December 2023, and I would say it stood out as an exception in a season of brutal devaluations. Since earning points for travel is becoming increasingly difficult, many people are shifting to cashback credit cards to enhance their value back. Now, in July 2024, they have just rebranded their Cashback Credit Card as the Live+ Credit Card with a fresh design. In terms of benefits, nothing has actually changed.

Here's a quick review of this great credit card from HSBC Bank!

Charges and Welcome Benefits​

Joining Fees​	₹999 + GST​
Welcome Benefits​	Amazon voucher worth ₹1000 on spending ₹10000 within the first 30 days​
Annual Fees​	₹999 + GST​
Annual Benefits​	NIL​
Annual Fee Waiver​	Spend ₹2L on your card in a year for an annual fee waiver*.​
Add-on Fees​	NIL​
Card Category​	Cashback​

The welcome voucher compensates the joining fee but there will be no annual benefits for paying the annual fees.

Reward Rate​

Spends Area​	CashbackRate​	Capping​
All dining, food delivery and grocery spends​	10%​	₹1000​
All Other Spends*​	1.50%​	Unlimited​

• *Cashback cannot be earned on transactions made on Fuel, e-wallets, rental payments, Business to Business transactions, education and government payments, Insurance, Jewelry and antique items, Gambling, Tolls and Bridge Fees, Financial and Non-Financial Institutions, Security Broker Services, Collection Agencies, Charity, Money Transfers and Wholesale Clubs.​
• Your cashback will be credited within 45 days after the statement generation date​
• No cash-back redemption fee is applicable​

Other Benefits​

Airport Lounge Access​

Domestic Airport Lounge Access
Complimentary Limit – 4 Visits/ Calendar year (1 per quarter) within India only for primary cardholders.
Access Via – Credit Card

Fuel Surcharge Waiver​

No fuel surcharge waiver is applicable on this card.

Forex Markup​

Forex markup charges are applicable of 3.5%+GST.

Eligibility​

• You must be aged between 18 to 65​
• Your annual income must be at least INR400,000 per annum (for salaried individuals)​
• You must be an Indian resident​
• You must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune​

HSBC Bank is currently only offering their credit cards to salaried individuals that too very strictly. If you are a self-employed individual then you may try your luck by opening a premium bank account against a huge NRV.

TechnoFino Recommends​

After the revaluation of the HSBC Cashback Credit Card back in December 2023, it became one of the best cashback cards for offline and online dining and grocery spends. The recent rebranding is just a name change to the Live+ Credit Card, but nothing has changed in terms of benefits. This is a simple, no-nonsense cashback card from HSBC Bank that caters to both groceries and dining at a flat 10% rate, which I would say is unprecedented. Earlier, Kotak was offering similar cashback on their Essentia and Delight Credit Cards with some conditions, but these have now been discontinued.

If you are looking for a great multi-utility card for all your grocery and dining spending then this card should be there in your wallet! Not to worry about the fees since in festive time reaching that upper cap on 10% cashback even for just one time will make your card free virtually for the year. This card is in direct competition with the HDFC Swiggy card now.

Are you planning to get this card? Tell us in the comments below about your experience.

 

[Tarun239]

Zepto and Zepto now will give 10% cashback. If the merchant name comes as *Geddit convenience then it's 1.5%.

Have u got 10 percent cashback after statement generation with payment made on zepto?

 

[lhgeek]

Does "grofers india private" give 10% cashback? I bought a gift voucher in blinkit using my hsbc live+ credit card

 

[Card_Crafter]

Have u got 10 percent cashback after statement generation with payment made on zepto?

I guess I have already answered your question in my previous post. Tried and tested.

Does "grofers india private" give 10% cashback? I bought a gift voucher in blinkit using my hsbc live+ credit card

Call Customer care and ask the MCC. They can easily tell the MCC code.

 

[iamdhamo]

I guess I have already answered your question in my previous post. Tried and tested.


Call Customer care and ask the MCC. They can easily tell the MCC code.

We can also know the mcc via chat between 10 to 8.30 I think

 

[brightknight]

Zepto and Zepto now will give 10% cashback. If the merchant name comes as *Geddit convenience then it's 1.5%.

Geddit has 5411 mcc then why 1.5%

 

[Card_Crafter]

Geddit has 5411 mcc then why 1.5%

5311

(3 words)

 

[brightknight]

5311

(3 words)

geddit convenience pvt lt
Chat support today informed me 5411 mcc for above merchant

 

[Card_Crafter]

geddit convenience pvt lt
Chat support today informed me 5411 mcc for above merchant

Ok that's a different one then. I was referring to ing*Geddit convenience merchant name.

 

[Card_Crafter]

Can someone please confirm the MCC code for Dmart merchant name - AVENUE SUPERMARTS LTD D BANGALORE.
First time I shopped in Dmart using Live+ card, so I have no idea. Also too lazy to call CC now.

 

[MrJJ]

Can someone please confirm the MCC code for Dmart merchant name - AVENUE SUPERMARTS LTD D BANGALORE.
First time I shopped in Dmart using Live+ card, so I have no idea. Also too lazy to call CC now.

MCC is 5311
Source:

Thread 'Merchant Name with MCC_Code'

Dec 28, 2024

IF THIS COULD HELP YOU.

I’ve compiled a list of merchants along with their MCC codes, including some of the latest updates. However, as you know, apps frequently change their MCC codes, so some of the information may no longer be accurate. If you’re aware of additional merchants and their MCC codes, please feel free to add them to the sheet for everyone’s reference.

• rajubhai
• Replies: 90
• Forum: 3rd Party Application

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[mayankcse10]

Is anyone using HSBC Credit Card on Google Pay for Tap & Pay?

I actually recently changed my phone and forgot to remove the card from google pay manually before factory resetting it. Now I am not able to add the same card on new phone in same google account also I tried to add the card on same google account on the same old phone to remove it but no luck.

Can anyone help me how can I re use the card for tap & pay? HSBC Phone Banking customer care is just not understanding my concern they are misinterpreting that for BBPS Transition and telling me I cannot add my card from google pay, cred etc and just not trying to understand.

Were you able to find a solution for this? I am stuck in the same boat as my mobile motherboard was replaced and now I am unable to link my Live+ card to Google Pay.

 

[harshgupta940]

Were you able to find a solution for this? I am stuck in the same boat as my mobile motherboard was replaced and now I am unable to link my Live+ card to Google Pay.

Nope till date no solution. Have approached Google Pay support and they asked me to connect HSBC and HSBC Customer Care isn't able to understand my issue. If I raise it to grievance they tell that it isn't a grievance and customer care would be able to help.

So no solution except blocking and replacing the card to get new card generated.

 

[mayankcse10]

Nope till date no solution. Have approached Google Pay support and they asked me to connect HSBC and HSBC Customer Care isn't able to understand my issue. If I raise it to grievance they tell that it isn't a grievance and customer care would be able to help.

So no solution except blocking and replacing the card to get new card generated.

Thanks. The support contact was clueless as you mentioned, and was insisting that this facility is stopped by HSBC. However, he suggested dropping an email to backend teams, so I have done that. Else I will replace the card itself.

 

[harshgupta940]

Thanks. The support contact was clueless as you mentioned, and was insisting that this facility is stopped by HSBC. However, he suggested dropping an email to backend teams, so I have done that. Else I will replace the card itself.

Did he provide you any particular backend team email address? If yes please provide I would also try again.

 

[mayankcse10]

Did he provide you any particular backend team email address? If yes please provide I would also try again.

Well, he had suggested platinumcardassistinm@hsbc.co.in. However, I looped in complaints.india@hsbc.co.in as well.

 

[yogobit]

I applied through cashkaro. I will get another 2000 after 6 months.
But this 1000 is applicable for 10000 spend.

So you got 2200 ck rewards + 1000 on spending 10000 in first 30 days + 250 on vkyc?
Is it true if we alu via cl we still can get 1000 spend based offer?

 

[yogobit]

some cc to bank apps are considered as utility and this is also considered in hsbc. I got 2000 on my platinum card for 20000 spends. although i used the card for genuine spends but you can also use those apps if you do not have any genuine spends to do.

Which app did you use & are you sure hsbc won't consider ineligible as manufactured spend?

 

[MrWick]

Does anyone have updated lounge access list for HSBC Live+ card ?

 

[sarainfo12]

Does anyone have updated lounge access list for HSBC Live+ card ?

As i enquired last time , they using same list as visa official list . But you can easily know by asking in customer care chat in mobile app . They will provide updated list .

 

[harshgupta940]

Just redeemed Times Prime Visa Signature offer using my HSBC card. I think its considered as a Visa Signature card now.