• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

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

Apply For Lifetime Free IDFC First Credit Card
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

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:
Apply For LTF AU LIT Credit Card
Sort by date Sort by votes
100Rabh_negi said:
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.
Click to expand...
They will deny if mcc is incorrect. Mentioned in terms and conditions of most credit cards.
 
Upvote 0 Downvote
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?
 
Upvote 0 Downvote
asyd said:
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?
Click to expand...
Per statement cycle. Cashback for one cycle gets credited before the next cycle statement is generated
 
Upvote 0 Downvote
tachniki said:
They will deny if mcc is incorrect. Mentioned in terms and conditions of most credit cards.
Click to expand...
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
 
Upvote 0 Downvote
tachniki said:
They will deny if mcc is incorrect. Mentioned in terms and conditions of most credit cards.
Click to expand...
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. :hehe:

helloworld said:
check main post attached screenshots.
Click to expand...
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.
 
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...
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)
 
Upvote 0 Downvote
Sriim said:
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)
Click to expand...
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?
 
Apply For LTF HDFC Swiggy Credit Card
Upvote 0 Downvote
Sriim said:
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)
Click to expand...
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. 😁
 
Upvote 0 Downvote
tachniki said:
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. 😁
Click to expand...
b4bhar said:
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?
Click to expand...
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)
 
Upvote 0 Downvote
Sriim said:
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)
Click to expand...
Way to go. 👋🏽👋🏽👋🏽
 
Upvote 0 Downvote
Sriim said:
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)
Click to expand...
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
 
Upvote 0 Downvote
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
 
Upvote 0 Downvote
pprakash11 said:
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
Click to expand...

Last day transactions always gambling for "any bank", it may or may not include in that statement. Some banks ignore last 2 days also. It happens and its common across "all banks".
 
Upvote 0 Downvote
You must log in or register to reply here.

Similar threads

TechnoFino
  • Article Article
HSBC Live+ Credit Card Review | HSBC Cashback Credit Card Rebranded
43 44 45
Replies
893
Views
51K
harshgupta940
H
Back
Top