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/

 

[sambitpatro]

i bought amazon fresh voucher from magic pin, but got only base rewards, any idea bro

Can we get Amazon pay gift card on magicpin through hsbc cc and get 10% cashback

 

[Credit raja]

Summary:

Benefit/Feature	New Changes
Annual Fee	999+18% GST (₹1180)
Spends required to get fee waiver	2L
Online Spends	1.5%
Offline Spends	1.5%
Grocery MCC	10% (with below two categories upto 1K per statement)
Dining MCC	10%
Swiggy/Zomato or Food Delivery MCC	10%
Bookmyshow	Buy 1 Get 1 (If booked on Saturday through app)
Easydiner	15% upto 500 (min. 2500)
Lounge Benefit	4 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/

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.

 

[helloworld]

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.

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.

 

[helloworld]

Can we get Amazon pay gift card on magicpin through hsbc cc and get 10% cashback

If they allow credit card and when allowed, mcc matched then will get 10%.

 

[pjain2712]

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.

Seems the issue is still not resolved from Flipkart side, I ordered Grocery items yday and got 5964 MCC @VISHESH_BANSAL

 

[pjain2712]

Anyone used Live+ card on TataNeu Bigbasket and received 10% cb?

 

[helloworld]

Anyone used Live+ card on TataNeu Bigbasket and received 10% cb?

yes, no issues last month.

 

[pjain2712]

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

 

[tachniki]

Anyone used Live+ card on TataNeu Bigbasket and received 10% cb?

Used. Got 10% cb.

 

[Somanna]

Is the 10 per accelerated cashback upto 1000, capped per calendar month or per statement cycle?

 

[sarainfo12]

Is the 10 per accelerated cashback upto 1000, capped per calendar month or per statement cycle?

Per statement cycle

 

[jeevanreddy58]

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

 

[tachniki]

Thanks for this devaluation.

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

 

[pjain2712]

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

I have already added the rule on my mailbox to auto delete email once they are received 😂

 

[BhaiyaJi]

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

Thanks god. Big revaluation in these days of devaluation.

 

[helloworld]

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

Thanks, much needed feature for me. Really, hate them.

 

[Sriim]

I have already added the rule on my mailbox to auto delete email once they are received 😂

Me too. So this message completes the solution

 

[pjain2712]

Me too. So this message completes the solution

Exactly . .