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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):

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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:

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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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    Sriim said:
    Yes, looks like it. You should get it on sep 15
    Click to expand...
    Got correct cashback ( for 15Aug to 14Sep ) last night as REWARDS CREDIT (within 2 days of statement generation). It cant get better than this for any cashback card.
    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...
    It worked, Thanks. Does it work on Swiggy HDFC as well ?

    Osita Iheme Reaction GIF by GrowthX
     
    Last edited:
    Upvote 0 Downvote
    One month cashback missing for my wife's card I guess ( billing cycle 2nd of every month ).
    July 11, June month statement cashback credited 1000rs ,
    August 3rd rewards credit 997rs
    Sept 3rd rewards credit 911rs
    Sept 13th pending cb posted as per August 3rs

    Looks like July month cashback is missing since August month onwards it's started to showing rewards credit .

    Am i right ? Shall I complaint to hsbc ? Or others also facing same issue ?
     
    Upvote 0 Downvote
    So there are rewards that are completely random. And then there is cash back which is exactly correct.

    1st statement cashback correct . No reward
    2nd statement correct cashback . Extra reward.
    3rd statement no cashback yet . 3days delayed and reward. Reward is random. No clue how it's calculated

    WTH is reward ?
     
    Upvote 0 Downvote
    JATINMALHOTRA said:
    So there are rewards that are completely random. And then there is cash back which is exactly correct.

    1st statement cashback correct . No reward
    2nd statement correct cashback . Extra reward.
    3rd statement no cashback yet . 3days delayed and reward. Reward is random. No clue how it's calculated

    WTH is reward ?
    Click to expand...
    Reward is now the cashback of the cycle just ended. Since you got rewards after 2nd statement, you won't get cashback after 3rd statement.
     
    Upvote 0 Downvote
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