HSBC Live+ (Previously Cashback) Benefits (w.e.f 17th July, 2024)

[helloworld]

Summary:

Benefit/Feature	New Changes
Annual Fee	999+18% GST (₹1180)
Spends required to get fee waiver	2L
Online Spends	1.5%
Offline Spends	1.5%
Grocery MCC	10% (with below two categories upto 1K per month)
Dining MCC	10%
Swiggy/Zomato or Food Delivery MCC	10%
Bookmyshow	Buy 1 Get 1 (If booked on Saturday through app)
Easydiner	15% upto 500 (min. 2500)
Lounge Benefit	4 per year (no spend criteria)
fuel, rental, utilities, 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 changes	0%

Some MCCs (Reference Purpose Only):



Note: The transactions for each category are identified through Merchant Category Codes* (MCC), defined by the Network, e.g. Visa, MasterCard and RuPay.

Mall Food courts, Nearby grocery stores, Supermarkets, Swiggy Instamart, EasyDiner, Restaurants, KFC, Dominos and DMart - working for 10% cashback (provided they have proper MCC).

This card will replace below cards (if you have look for alternative or keep as backup):

1.5% offline - Alternative to Ace 1.5% Card
10% grocery (offline) - Alternative to Manhattan 5% Card
10% grocery and food delivery (online) - Alternative to Artl 10% Card
10% dining (offline) - Alternative to Zenth 5% Card

Exclusion MCC List:

 

[b4bhar]

5411 is Grocery MCC. How can it not be eligible? 😵

That's how clueless there customer care is. Better just check the MCC with them. At least they are informing that

 

[Visith]

Spends beyond capping of 1000/statement for Dining, Food Delivery and Grocery category will yield 1.5% or no cashback at all after capping?

 

[helloworld]

Spends beyond capping of 1000/statement for Dining, Food Delivery and Grocery category will yield 1.5% or no cashback at all after capping?

Never tried. Do let me know if you find the answer.

Based on other cards (cashback from other banks), ideally it should be no cashback after that. But, not 100% sure.

 

[b4bhar]

Never tried. Do let me know if you find the answer.

Based on other cards (cashback from other banks), ideally it should be no cashback after that. But, not 100% sure.

I think this should give 1.5% cb as there is no capping for 1.5%cb.

 

[amitsingha939]

For HSBC agent DM me

 

[vishals]

As given by HSBC- For Cashback Card

No cashback on following categories:


Fuel related (MCC 5541, 5983, 5172, 5542, 5552), e-wallets (MCC 6540), payment of property management fees, rental commissions, rental payments or any such payments made through MCCs 6513, 7012, 7349, Business to Business txns made through MCCs 7399, 7311, 7372, 5045, 5047, 5065, 5072, 5111, 5013, 2741, 5137, 5192, 5193, 5131, 7361, 5085, 7333, 5039, 7379, 5021, 5199, 5122, 5099, 5198, 5139, 7829, 7395, 5051, 5046, 5169, 7375, 5074, 8734, 5044, 2842, 2791, education and government related txns carried out through MCCs 9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9402, 9211, 9405, 9950, 9223, 8351), Insurance (MCC 6300, 5960), Jewelry & Antique items (MCC 5944, 5094, 5932,

 

[helloworld]

As given by HSBC- For Cashback Card

No cashback on following categories:


Fuel related (MCC 5541, 5983, 5172, 5542, 5552), e-wallets (MCC 6540), payment of property management fees, rental commissions, rental payments or any such payments made through MCCs 6513, 7012, 7349, Business to Business txns made through MCCs 7399, 7311, 7372, 5045, 5047, 5065, 5072, 5111, 5013, 2741, 5137, 5192, 5193, 5131, 7361, 5085, 7333, 5039, 7379, 5021, 5199, 5122, 5099, 5198, 5139, 7829, 7395, 5051, 5046, 5169, 7375, 5074, 8734, 5044, 2842, 2791, education and government related txns carried out through MCCs 9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9402, 9211, 9405, 9950, 9223, 8351), Insurance (MCC 6300, 5960), Jewelry & Antique items (MCC 5944, 5094, 5932,

any changes or same as mentioned in post?

 

[Aditya12]

Guys, I swiped my card at Reliance Digital, Pune and the MCC shows 5411 😉!

 

[b4bhar]

Guys, I swiped my card at Reliance Digital, Pune and the MCC shows 5411 😉!

What did you buy and how much?

 

[Aditya12]

What did you buy and how much?

I did part payment for a camera. Paid 16k but using IDFC card which shows MCC. I don’t regret not using hsbc because I anyway exhaust 10k grocery quota each month but for some it can be a useful info.

 

[b4bhar]

I did part payment for a camera. Paid 16k but using IDFC card which shows MCC. I don’t regret not using hsbc because I anyway exhaust 10k grocery quota each month but for some it can be a useful info.

This totally depends on the shop and location i guess as i bought an AC in reliance digital last month and MCC is 5732. So, cant take this for granted

 

[Aditya12]

This totally depends on the shop and location i guess as i bought an AC in reliance digital last month and MCC is 5732. So, cant take this for granted

Yes, I agree!!

 

[helloworld]

Guys, I swiped my card at Reliance Digital, Pune and the MCC shows 5411 😉!

5411 is grocery stores means In pune they swapped reliance fresh POS machine in Digital. Not sure same will happen everywhere else or next time when we visit same store. But, good to know.

 

[Sai Ganesh]

I did part payment for a camera. Paid 16k but using IDFC card which shows MCC. I don’t regret not using hsbc because I anyway exhaust 10k grocery quota each month but for some it can be a useful info.

bro how you got this screenshot from IDFC ?

If possible pls say how to get this from HSBC bank as well ?

 

[b4bhar]

bro how you got this screenshot from IDFC ?

If possible pls say how to get this from HSBC bank as well ?

Its only with idfc. You can see these details when you download the transaction receipt. For hsbc, you can check with the customer care. They will let you know the mcc

 

[jack333]

Guys, I swiped my card at Reliance Digital, Pune and the MCC shows 5411 😉!

Seems they are using reliance Smart pos machine

 

[Sai Ganesh]

Its only with idfc. You can see these details when you download the transaction receipt. For hsbc, you can check with the customer care. They will let you know the mcc

ok ok bro great

 

[Heehaahee]

5411 is grocery stores means In pune they swapped reliance fresh POS machine in Digital. Not sure same will happen everywhere else or next time when we visit same store. But, good to know.

Now we have to do electronics shopping from Pune it seems 🤔

 

[Sumiit9100]

you can test while doing a transaction. Disable purchases and payment will fail. Then call customer care to check MCC

 

[Aditya12]

Seems they are using reliance Smart pos machine

Most probably yes !