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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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    I again received reward credits after my 2nd statement generation.

    1st statement eligible CB 700, rewards credit 610
    2nd statement eligible CB 704, rewards credit 709

    No idea what that it. Initiated chat now. Will call customer support tomorrow.

    Last time chat support said it's cashback, call support said it's something other than cashback. Now if I'm getting after 2nd statement, it's looking more and more like cashback
     
    Upvote 0 Downvote
    Sriim said:
    I again received reward credits after my 2nd statement generation.

    1st statement eligible CB 700, rewards credit 610
    2nd statement eligible CB 704, rewards credit 709

    No idea what that it. Initiated chat now. Will call customer support tomorrow.

    Last time chat support said it's cashback, call support said it's something other than cashback. Now if I'm getting after 2nd statement, it's looking more and more like cashback
    Click to expand...
    They are clueless 😔
     
    Upvote 0 Downvote
    Sriim said:
    I again received reward credits after my 2nd statement generation.

    1st statement eligible CB 700, rewards credit 610
    2nd statement eligible CB 704, rewards credit 709

    No idea what that it. Initiated chat now. Will call customer support tomorrow.

    Last time chat support said it's cashback, call support said it's something other than cashback. Now if I'm getting after 2nd statement, it's looking more and more like cashback
    Click to expand...

    yeah, they're clueless at the moment. I'm worrying that once they realize or update their systems they'll take it back like sbi.. in that case it will be huge amount for some card holders or significant for most.
     
    Upvote 0 Downvote
    Sriim said:
    I again received reward credits after my 2nd statement generation.

    1st statement eligible CB 700, rewards credit 610
    2nd statement eligible CB 704, rewards credit 709

    No idea what that it. Initiated chat now. Will call customer support tomorrow.

    Last time chat support said it's cashback, call support said it's something other than cashback. Now if I'm getting after 2nd statement, it's looking more and more like cashback
    Click to expand...
    Chat support reply

    "This is the credit rewards as the cash back card name is renamed as Liv+ that is the reason you have received the cashback."
     
    Upvote 0 Downvote
    VISHESH_BANSAL said:
    This one is Grocery. Identify from UI. Before redirecting to OTP Page you can notice Cashfree UI.
    Click to expand...
    Did my transaction and saw CF logo on the gateway for a while. Transaction showing SAMAST TECHNOLOGIES PVT, is that good for 10%? My billing date is 14th so will cashback earned for this month mentioned in first statement on 14th Sept?
     
    Last edited:
    Upvote 0 Downvote
    VISHESH_BANSAL said:
    Voucher Purchases on Magicpin Pin will fetch 10% on LIVE+ as Magicpin is using Grocery MCC and ensure Cashfree Gateway while transacting on Mpin.
    Click to expand...

    Is it account related or voucher related?

    APV - Credit card not accepting
    ASV, FK - Credit card working but showing payu gateway
    Grocery (BB, Swgy, Blink etc.) - none of them have credit card option, strangely (only apay wallet option).

    ---
    or it will adjust overtime based on usage or this is how this app working? Didn't checked rest but observed above pattern.
     
    Last edited:
    Upvote 0 Downvote
    helloworld said:
    Is it account related or voucher related?
    Click to expand...
    Both
    helloworld said:
    APV - Credit card not accepting
    Click to expand...
    helloworld said:
    ASV, FK - Credit card working but showing payu gateway
    Click to expand...
    helloworld said:
    Grocery (BB, Swgy, Blink etc.) - none of them have credit card option, strangely (only apay wallet option).

    ---
    or it will adjust overtime based on usage or this is how this app working? Didn't checked rest but observed above pattern.
    Click to expand...
    Except ASV and Flipkart all other Purchases goes through Cashfree Gateway still do cross check.
    Also Card Option is available in selected Accounts and AGV has restrictions in all Accounts. Try in another Account
     
    Upvote 0 Downvote
    VISHESH_BANSAL said:
    Both



    Except ASV and Flipkart all other Purchases goes through Cashfree Gateway still do cross check.
    Also Card Option is available in selected Accounts and AGV has restrictions in all Accounts. Try in another Account
    Click to expand...
    Thanks for the info, was about to purchase Flipkart vouchers. Any other app to get 10% with live+ for Flipkart/ASV. What about park+ ( is it using utility mcc)?

    update: tried for Flipkart and it was going through Cashfree gateway, so took my chances and purchased for 2K. Let's see 🙈
     
    Last edited:
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    Upvote 0 Downvote
    Sriim said:
    Chat support reply

    "This is the credit rewards as the cash back card name is renamed as Liv+ that is the reason you have received the cashback."
    Click to expand...
    Further when asked about which month's cashback is that and transaction wise cashback because of incorrect amount, got the following reply

    "The rewards credit information which you are willing to enquire is the reward points which you have got for making the spends from the credit card. This is something which is completely different from the cashback.
    I am sorry, I have checked it with the team just for the confirmation and as per them this would be the cashback it seems.
    Also we would not be able to tell you the exact transaction wise cashback details because this is something which is dealt by the back end team."

    Seems they're clueless about the change. Old users, can you confirm if the cashback crediting time and name have changed for you?
     
    Upvote 0 Downvote
    Sriim said:
    Further when asked about which month's cashback is that and transaction wise cashback because of incorrect amount, got the following reply

    "The rewards credit information which you are willing to enquire is the reward points which you have got for making the spends from the credit card. This is something which is completely different from the cashback.
    I am sorry, I have checked it with the team just for the confirmation and as per them this would be the cashback it seems.
    Also we would not be able to tell you the exact transaction wise cashback details because this is something which is dealt by the back end team."

    Seems they're clueless about the change. Old users, can you confirm if the cashback crediting time and name have changed for you?
    Click to expand...
    Before live+ card launch, their cashback are calculated perfectly, now it's not . My wife's card is 8 months older , her cashback also not matching , it's confusing.
    I am new user , but got the rewards for August month statement in just 1 day and the rewards are very less.
     
    Upvote 0 Downvote
    Sriim said:
    Further when asked about which month's cashback is that and transaction wise cashback because of incorrect amount, got the following reply

    "The rewards credit information which you are willing to enquire is the reward points which you have got for making the spends from the credit card. This is something which is completely different from the cashback.
    I am sorry, I have checked it with the team just for the confirmation and as per them this would be the cashback it seems.
    Also we would not be able to tell you the exact transaction wise cashback details because this is something which is dealt by the back end team."

    Seems they're clueless about the change. Old users, can you confirm if the cashback crediting time and name have changed for you?
    Click to expand...
    I noticed that my Aug bill generated on 29th and rewards credit was done on 30th and that was accurately how much I should have received as cashback for my Aug statement. But my previous statement cashback is messed up and I am unable to calculate and asked the cc and they are saying to wait as I changed my statement date so it might take time.
     
    Upvote 0 Downvote
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