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

  • Thread starter Thread starter helloworld
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helloworld

helloworld

TF Legend

Key Features​


1693581653195.png

  • 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


Store/App (eligible for 10%* double check incase)MCC
DMart5411
Reliance Smart Superstore5411
JioMart (online)5411
Vijetha Super Market5411
Reliance Smart5722
Amzn Fresh5399
Flipkart GroceryEnsure "Flipkart Grocery" (5411) on OTP Page
Cashfree Gateway5499
Swiggy5499
CountryDelight5499
Tataneu Food Delivery5499
Tataneu Grocery5411
FTH Daily
Zomato
BB Daily
Zepto
BigBasketInnovative 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.

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:
Apply For LTF AU LIT Credit Card
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opaque said:
I activated the card and got a 6 digit PIN. Is there a separate 4 digit PIN for POS machine ?
Click to expand...
iamdhamo said:
Yeah this irritated me cos I gv my parents to use this. Since usually it's 4 for all cards n this alone is 6 they get confused what pin they shld give n call me if txn fails cos they forget if that's a 4 or 6 digit
Click to expand...

FYI: Indus, Kotak, SC also 6 digits. Rumor is that all banks going to implement this soon to increase security.
 
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b4bhar said:
same MCC for Flipkart Groceries as well.
Click to expand...
Didn't tried "Grocery", but a member posted 5411 which is grocery MCC.

shu_sha_

Post in thread 'HSBC Live+ Cashback Card 10%, 1.5%, 0% Offer Fullfilment Sheet - MCC'

Flipkart Grocery - 5411

Amazon Fresh: Merchants
Amazon Pay India Pvt Ltd - 5411
AMAZON PAY INDIA Pvt L Bangalore - 5411
AMAZONIN/amazonin/amazon in - 5411

Jiomart: Merchants
Reliance Retail Ltd- 5411
Jiomart-5411
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Maybe @shu_sha_ can confirm again
 
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b4bhar said:
i checked for flipkart groceries last month. it was 5699. Customer care confirmed only 1.5% cashback. So, i cancelled my order and placed the same order again with my AU LIT card and got 5% cashback as i had apparel feature enabled.
Click to expand...
In that case, 5699 (Flipkart Internet) and 5411 (Flipkart Groceries ) both are available in Flipkart and one needs to take care while making payment.
 
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