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):



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.

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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/

 

[helloworld]

will the transactions (which are excluded for any cashback) considered for spends (2L) to waive annual fees?

+ this rule currently only axs and yes banks.. rest all banks afaik no issues.

 

[thiruvetti]

I dont have HSBC bank account. Is there a possibility to apply for HSBC Live+? and If yes is the chance to get it LTF?

 

[BhaiyaJi]

I dont have HSBC bank account. Is there a possibility to apply for HSBC Live+?

No need of bank account

 

[BhaiyaJi]

and If yes is the chance to get it LTF?

Can't sya but no one has reported LTF card yet.

 

[sambitpatro]

Can't sya but no one has reported LTF card yet.

I had requested via mail to convert my card to LTF...got rejected

 

[helloworld]

I dont have HSBC bank account. Is there a possibility to apply for HSBC Live+? and If yes is the chance to get it LTF?

if salaried, no account needed. if self employed hsbc account needed.

ltf .. no, hsbc platinum is ltf

 

[thiruvetti]

if salaried, no account needed. if self employed hsbc account needed.

ltf .. no, hsbc platinum is ltf

Thanks. I need an LTF card mainly for Grocery spends and other normal spends. since I saw Live+ has Grocery specific deals I was pursuing it.

While applying online, will it show LTF in case am eligible? Meaning I want to proceed only if LTF else I want to cancel and go for HSBC Platinum.

 

[helloworld]

Thanks. I need an LTF card mainly for Grocery spends and other normal spends. since I saw Live+ has Grocery specific deals I was pursuing it.

While applying online, will it show LTF in case am eligible? Meaning I want to proceed only if LTF else I want to cancel and go for HSBC Platinum.

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

Post in thread 'HSBC Live+ (Previously Cashback) Credit Card: Elevate Everyday Spending'

Sep 1, 2024

Any source for LTF or FTF?

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).

• helloworld

• 

Did you know, If you spent 10k on grocery then your fee is recovered, anything above is your profit.

 

[harshgupta940]

Did you know, If you spent 10k on grocery then your fee is recovered, anything above is your profit.

Its 20k for live+ now.
Also you can try your like with Cashkaro that's a bonus but don't take it as a sureshot until it gets credited as mine was rejected

 

[helloworld]

Its 20k for live+ now.
Also you can try your like with Cashkaro that's a bonus but don't take it as a sureshot until it gets credited as mine was rejected

fee: 1180
to recover need to spend: ₹11,800 on grocery (at 10% it gives 1180 back)

anything u spend after that is the return.

Why 20k?

and yes, cashkaro is unreliable - use at one's own risk.

 

[BhaiyaJi]

Why 20k?

20K for 1000 joining Amazon voucher

 

[harshgupta940]

fee: 1180
to recover need to spend: ₹11,800 on grocery (at 10% it gives 1180 back)

anything u spend after that is the return.

Yes if you are looking at normal cashback to nullify the annual fees but that would make the effective return on first 2 or 1.5 months to 0.

Instead the below method to set off the JF is better.

Why 20k?

and yes, cashkaro is unreliable - use at one's own risk.

20K for 1000 joining Amazon voucher

In the subsequent years you can use that logic if the renewal criteria is not met

 

[Sriim]

20K for 1000 joining Amazon voucher

It's direct 1000 cashback

 

[arone]

if you don't have any other offline card which gives better returns it can be used for it as well for 1.5%.

Honestly this card is so good i would rather they never give it LTF, so as to make it exclusive. if it was provided LTF then lots of people would apply and they would start thinking about devaluing the card. I am consistently getting 700 to 1000+ cashback every month.

 

[helloworld]

if you don't have any other offline card which gives better returns it can be used for it as well for 1.5%.

Honestly this card is so good i would rather they never give it LTF, so as to make it exclusive. if it was provided LTF then lots of people would apply and they would start thinking about devaluing the card. I am consistently getting 700 to 1000+ cashback every month.

absolutely.. if ltf then these benefits wont be there.

 

[tachniki]

I guess for most of low cost cashback cards like sbi, airtel axis, hsbc live+, swiggy, we can recover joining or annual fees in one bill cycle. Rest all is extra saving.

 

[thiruvetti]

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

Post in thread 'HSBC Live+ (Previously Cashback) Credit Card: Elevate Everyday Spending'

Sep 1, 2024

Any source for LTF or FTF?

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).

• helloworld

• 

Did you know, If you spent 10k on grocery then your fee is recovered, anything above is your profit.

Oh I see. My needs are usually 4K per month. So I should be able to recover the fee in 3 months . Let me think.
Thanks for the hints.

 

[100Rabh_negi]

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.

So if Flipkart Grocery MCC is corrected now ( Grocery for 10%), will it give 0% CB on flipkart but 10% on CC Statement OR 10% cashback on flipkart and 0/1.5% on CC Statement ?


Also can anyone confirm if vouchers purchased from park+/magicpin/paytm will fetch standard 1.5% cashback ( apart from voucher discount on these apps) ? Wanted to make sure I am getting 1.5% CB alongwith fulfilling welcome benefit as well. Also does HSBC live+ CC's statement shows which transaction fetched 0/1.5/10 % cashback ? Just like Axis airtel.

 

[helloworld]

So if Flipkart Grocery MCC is corrected now ( Grocery for 10%), will it give 0% CB on flipkart but 10% on CC Statement OR 10% cashback on flipkart and 0/1.5% on CC Statement ?

If any offer available particularly for HSBC cards, do check terms and conditions and exclusions for Instant discount (this is related to platform and bank tie up).

10% on CC statement provided if MCC is grocery.

Also can anyone confirm if vouchers purchased from park+/magicpin/paytm will fetch standard 1.5% cashback ( apart from voucher discount on these apps) ?

Refer excluded categories in original post, if not then you'll get 1.5% cashback.

Also does HSBC live+ CC's statement shows which transaction fetched 0/1.5/10 % cashback ? Just like Axis airtel.

No.

 

[VISHESH_BANSAL]

Also can anyone confirm if vouchers purchased from park+/magicpin/paytm will fetch standard 1.5% cashback

Voucher Purchases on Magicpin Pin will fetch 10% on LIVE+ as Magicpin is using Grocery MCC and ensure Cashfree Gateway while transacting on Mpin.