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 month (limit reached if spent ₹10,000)

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• 1.5% Cashback on All Other Spends
  
  • No Cap on the cashback amount
  • Categories not eligible for 1.5% Cashback:
    
    • 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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Sample 10% Eligible MCCs (Reference Purpose Only):



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 will replace below cards (for alternative or to 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 Airtel 10% Card
10% dining (offline) - Alternative to Zenth 5% Card

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%

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/

 

[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.

 

[100Rabh_negi]

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

I don not see gateway while payment it shows HSBC/VISA Page with merchange name as MAGICPIN IN .

 

[VISHESH_BANSAL]

I don not see gateway while payment it shows HSBC/VISA Page with merchange name as MAGICPIN IN .

This one is Grocery. Identify from UI. Before redirecting to OTP Page you can notice Cashfree UI.

 

[pjain2712]

Incase the grocery spends crosses 10k, will we get 1.5% cashback for additional amount?

 

[tachniki]

Incase the grocery spends crosses 10k, will we get 1.5% cashback for additional amount?

No. Capped to 1K in the category.

 

[helloworld]

Incase the grocery spends crosses 10k, will we get 1.5% cashback for additional amount?

no, additional amount 0% cashback.

 

[Sriim]

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

 

[pprakash11]

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

They are clueless 😔

 

[helloworld]

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

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.

 

[pprakash11]

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.

I've been spared till now
Haven't been credited even ₹1 Reward yet

 

[Sriim]

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

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."

 

[100Rabh_negi]

This one is Grocery. Identify from UI. Before redirecting to OTP Page you can notice Cashfree UI.

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?

 

[pprakash11]

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?

Yes, that will fetch 10%. Cashback will be credited post 30-45 days after statement creation.

 

[pprakash11]

DM your referral code for Magicpin, if available.

Mine

magicpin: Food, Fashion | ONDC - Apps on Google Play

ONDC Food Delivery | Savings on Fashion Brands, Fine-Dine, Movies & Restaurants

magicpin.in

😂😂

 

[pprakash11]

@helloworld
Code: NAHG1762

 

[helloworld]

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

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).

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or it will adjust overtime based on usage or this is how this app working? Didn't checked rest but observed above pattern.

 

[VISHESH_BANSAL]

Is it account related or voucher related?

Both

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).

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or it will adjust overtime based on usage or this is how this app working? Didn't checked rest but observed above pattern.

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

 

[100Rabh_negi]

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

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 🙈

 

[Sriim]

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."

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?

 

[sarainfo12]

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?

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.