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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:
 
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helloworld said:
Summary:

Benefit/FeatureNew Changes
Annual Fee999+18% GST (₹1180)
Spends required to get fee waiver2L
Online Spends1.5%
Offline Spends1.5%
Grocery MCC10% (with below two categories upto 1K per statement)
Dining MCC10%
Swiggy/Zomato or Food Delivery MCC10%
BookmyshowBuy 1 Get 1 (If booked on Saturday through app)
Easydiner15% upto 500 (min. 2500)
Lounge Benefit4 per year (no spend criteria)
fuel, rental, utilities, govt. transactions, e-Wallets,
insurance, education, B2B goods and services,
jewellery, charity, toll fees, cash advances,
payments of outstanding balances,
payments of card fees and other card changes		0%


View attachment 28260

Some 10% Eligible MCCs (Reference Purpose Only):

View attachment 51953

Note: The transactions for each category are identified through Merchant Category Codes* (MCC), defined by the Network, e.g. Visa, MasterCard and RuPay.

Mall Food courts, Nearby grocery stores, Supermarkets, Swiggy Instamart, EasyDiner, Restaurants, KFC, Dominos and DMart - working for 10% cashback (provided they have proper MCC).

This card will replace below cards (if you have look for alternative or 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 Artl 10% Card
10% dining (offline) - Alternative to Zenth 5% Card

Exclusion MCC List:

View attachment 36549
View attachment 57533

HSBC Credit card offers [for all users] https://www.technofino.in/community/threads/credit-card-offer-mails-messages-for-all-users.7887/
Click to expand...
Actally its one of BEST card for all, only issue with CB limit is Rs.1000/- only this should be at least Rs.2500/- to justfy annual fee of Rs.999/- +taxes.
 
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Credit raja said:
Actally its one of BEST card for all, only issue with CB limit is Rs.1000/- only this should be at least Rs.2500/- to justfy annual fee of Rs.999/- +taxes.
Click to expand...

10000 Rs. for Supermarket / Grocery / Dining in a month for an average 3–4 member family is enough, IMO. Agree if Swgy or Zmto has high spends but mostly sufficient if one can manage it.

12K you'll get in a year and 1K you'll pay - I think its justifiable with that 1K CB limit. But yes, views vary from person to person.
 
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VISHESH_BANSAL said:
From last Month Flipkart is tagging Correct MCC for Grocery Purchases.

So they Excluded Live+ so that double Dip do not happens. Also Swiggy HDFC do not give 5% on Grocery MCC.

Earlier it is Apparels but from last month Flipkart Tagging Correct MCC.


Observe the Merchant name too. It is "Flipkart Grocery" on OTP Page.
Click to expand...
Seems the issue is still not resolved from Flipkart side, I ordered Grocery items yday and got 5964 MCC @VISHESH_BANSAL
 
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Is anyone getting FlipkartGrocery merchant name with Live+ card while ordering Groceries from Flipkart? I am observing that I am getting the Grocery MCC when using Flipkart Axis card but not when using Live+ card. Please share your findings if anyone used recently
 
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jeevanreddy58 said:
HSBC: Dear Customer, this is to inform you that SMS notifications for successful login on the HSBC India Mobile banking app will be discontinued from mid November'2024. However, you will continue to receive said notifications on email.

Celebration moment
Click to expand...
Thanks god. Big revaluation in these days of devaluation.
 
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jeevanreddy58 said:
HSBC: Dear Customer, this is to inform you that SMS notifications for successful login on the HSBC India Mobile banking app will be discontinued from mid November'2024. However, you will continue to receive said notifications on email.

Celebration moment
Click to expand...

Thanks, much needed feature for me. Really, hate those sms.
 
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Upvote 0 Downvote
I am not getting Flipkart grocery merchant name on payment page by using HSBC Live+ card but by using Flipkart axis I am getting it
Is there any solution?
By using HSBC I am getting FLIPKART is eligible for 10% cashback
Please reply
 
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HackerHP said:
I am not getting Flipkart grocery merchant name on payment page by using HSBC Live+ card but by using Flipkart axis I am getting it
Is there any solution?
By using HSBC I am getting FLIPKART is eligible for 10% cashback
Please reply
Click to expand...

do the sample transaction, and chat/call to find mcc - its quick with HSBC, won't take much time. FLIPKART maynot eligible but if they change mcc related to that MID then it may eligible.
 
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