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/

 

[100Rabh_negi]

Is magicpin giftcard only used for Flipkart and firstcry?

No no, these are the ones which I use mostly. There are others as well with fairly decent discounts amongst other apps.

Merchant name pe depend hai.

Now Usually Flipkart Grocery is there on OTP Page which is 5411.

Flipkart Internet PVT LTD is 5699 but now it comes rarely and this is Apparel MCC

Yes

Itni research to RAW mei bhi nhi hoti hogi. And what if Dmart/reliance has incorrect MCC on POS. can we email CC to credit rewards or they will deny saying mcc not grocery.

 

[tachniki]

No no, these are the ones which I use mostly. There are others as well with fairly decent discounts amongst other apps.

Itni research to RAW mei bhi nhi hoti hogi. And what if Dmart/reliance has incorrect MCC on POS. can we email CC to credit rewards or they will deny saying mcc not grocery.

They will deny if mcc is incorrect. Mentioned in terms and conditions of most credit cards.

 

[asyd]

Got my Live+ card last month and the first statement was generated. So had couple of doubts.

The cashback of 1000 for grocery/dining is per statement cycle? or per calendar month?

Also the cashback will be credited when the 2nd month statement is generated, right?

 

[BhaiyaJi]

The cashback of 1000 for grocery/dining is per statement cycle? or per calendar month?

Per statement cycle.

 

[sambitpatro]

Got my Live+ card last month and the first statement was generated. So had couple of doubts.

The cashback of 1000 for grocery/dining is per statement cycle? or per calendar month?

Also the cashback will be credited when the 2nd month statement is generated, right?

Per statement cycle. Cashback for one cycle gets credited before the next cycle statement is generated

 

[b4bhar]

They will deny if mcc is incorrect. Mentioned in terms and conditions of most credit cards.

The only bank which will credit the cashback in case of incorrect MCC is AU Small Finance Bank. Of course you need to email them with the invoice. They take some time but in the end will process the cashback

 

[helloworld]

I checked via idfc card transaction and it's showing MCC5499. Grocery MCC is 5411 right?

check main post attached screenshots.

Some MCCs eligible for 10%:

 

[100Rabh_negi]

They will deny if mcc is incorrect. Mentioned in terms and conditions of most credit cards.

Yes was expecting this only. Its going to be hit or miss i guess @ dmart/RelianceSmart . Or maybe I need to get 10rs 5star ( from different POS) using IDFC card to confirm MCC before paying the actual grocery bill.

check main post attached screenshots.

Yes saw those MCCs but those are for exclusions, i dont see list of MCCs eligible for 10%, they could have provided list of MCCs eligible @ 10% for this particular card at least.

 

[helloworld]

Yes saw those MCCs but those are for exclusions, i dont see list of MCCs eligible for 10%, they could have provided list of MCCs eligible @ 10% for this particular card at least.

as mentioned 2nd screenshot not 3rd. check again

 

[100Rabh_negi]

as mentioned 2nd screenshot not 3rd. check again

My Bad, thanks for correcting.

 

[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

Update - rewards credit is cashback

I got 610 rupees as rewards credit the next day after August statement was generated. It was short 93 rupees.

I got 709 rupees as reward credit the next day after September statement, which was correct cashback for that statement

Today i received 93 rupees under the name pending cashback from August statement.

Seems they hadn't changed the systems completely during August and now the change is complete and hereafter we'll get the cashback as reward credit 1 day after statement generation (more or less like SBI CB)

 

[sambitpatro]

Does HSBC cashback cc give 10% for Amazon gift card purchases through magicpin?

 

[pprakash11]

Does HSBC cashback cc give 10% for Amazon gift card purchases through magicpin?

Amazon Gift Card Purchase thru Magicpin via Credit Card is not possible.

 

[b4bhar]

Update - rewards credit is cashback

I got 610 rupees as rewards credit the next day after August statement was generated. It was short 93 rupees.

I got 709 rupees as reward credit the next day after September statement, which was correct cashback for that statement

Today i received 93 rupees under the name pending cashback from August statement.

Seems they hadn't changed the systems completely during August and now the change is complete and hereafter we'll get the cashback as reward credit 1 day after statement generation (more or less like SBI CB)

But that is the cashback from previous month, right? Like if your statement got generated on 14th of sept, the cashback from july 15th to Aug 14th would be credited now, right?

 

[pprakash11]

But that is the cashback from previous month, right? Like if your statement got generated on 14th of sept, the cashback from july 15th to Aug 14th would be credited now, right?

Absolutely right ▶️

 

[tachniki]

Update - rewards credit is cashback

I got 610 rupees as rewards credit the next day after August statement was generated. It was short 93 rupees.

I got 709 rupees as reward credit the next day after September statement, which was correct cashback for that statement

Today i received 93 rupees under the name pending cashback from August statement.

Seems they hadn't changed the systems completely during August and now the change is complete and hereafter we'll get the cashback as reward credit 1 day after statement generation (more or less like SBI CB)

When i read "more or less like SBI CB", i believed it is for same month. Now I understand why 'less' is used here. Lol. 😁

 

[Sriim]

When i read "more or less like SBI CB", i believed it is for same month. Now I understand why 'less' is used here. Lol. 😁

But that is the cashback from previous month, right? Like if your statement got generated on 14th of sept, the cashback from july 15th to Aug 14th would be credited now, right?

I've got for the same month. For the spends done in period between August 3 and September 2, I got cashback on September 4.

That's why calling it an update and posting here. August 3 was my first statement with the card and i got cashback on August 4 itself (it was incorrect amount, but got the remaining 40 days after statement generation. But on September 4, i got correct amount for the same month)

 

[tachniki]

I've got for the same month. For the spends done in period between August 3 and September 2, I got cashback on September 4.

That's why calling it an update and posting here. August 3 was my first statement with the card and i got cashback on August 4 itself (it was incorrect amount, but got the remaining 40 days after statement generation. But on September 4, i got correct amount for the same month)

Way to go. 👋🏽👋🏽👋🏽

 

[b4bhar]

I've got for the same month. For the spends done in period between August 3 and September 2, I got cashback on September 4.

That's why calling it an update and posting here. August 3 was my first statement with the card and i got cashback on August 4 itself (it was incorrect amount, but got the remaining 40 days after statement generation. But on September 4, i got correct amount for the same month)

I got 2 credits. One says rewards credit and just now i got pending cashback posted as per aug month statement. This is totally confusing me

 

[pprakash11]

Statement Period : 17 JUL 2024 To 16 AUG 2024

Statement: AUGUST 2024

I can see they have credited cashback as
Pending Cashback as per AUG24 Statement - ₹1933.56

But they missed one transaction dated 17 JUL 2024.
What to do for that ?
Amount of the transaction was ₹2822, roughly would be getting ₹42.33 more cashback