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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:

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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:
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pgarg24 said:
Hi, how did you upgrade? I sent them the request over email and they didn't even acknowlege or reply.
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I called the customer care number and asked for upgrade. Had LTF hsbc platinum card that I wasn't really using for over 4 years as no offers. And they gladly upgraded it.
 
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Umang85 said:
Is it possible to get this as LTF? I recently upgraded my HSBC Platinum to HSBC Live+. But also got a HDFC Swiggy ltf after that. What should I do now?
Click to expand...

as you might already aware hsbc currently have only "2" cards. One is already available as LTF and other is Paid.

If both are LTF then bank either stop providing benefits as it is currently or altogether close the businesss. Because LTF cards doesn't sustain in any bank (ex: IDFC).

Currently not possible to get as LTF, but if its available then we may not need to discuss this card anymore, IMO.

Btw, Swiggy : For Online Spends 5%
Live+ : For Offline grocery, dining. and Online other food apps 10%

// Both are different purpose cards, and not overlapped each other.
 
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Umang85 said:
I called the customer care number and asked for upgrade. Had LTF hsbc platinum card that I wasn't really using for over 4 years as no offers. And they gladly upgraded it.
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So just call and they take that request? I remeber chatting with their customer service using chat option on the app and they asked me to send an email filling the upgrade form available on the website.. had to install adobe just for that form filling.
 
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pgarg24 said:
So just call and they take that request? I remeber chatting with their customer service using chat option on the app and they asked me to send an email filling the upgrade form available on the website.. had to install adobe just for that form filling.
Click to expand...
Hmm I didn't need to do any of that. Just called. And asked them. But yes even on chat it should work out. And I didn't even need to fill out any form. Not sure why.
 
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I am not getting statement emails for my card in my mailbox. I reached out to customer support and they say it is enabled, but I am not receiving the statement email. Any idea how to enable it through online if possible?
 
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Intraday93 said:
I am not getting statement emails for my card in my mailbox. I reached out to customer support and they say it is enabled, but I am not receiving the statement email. Any idea how to enable it through online if possible?
Click to expand...

nothing like that in online, check junk, spam etc. and if enabled categories in gmail there etc. if all good, need to check with support only.

how many months its been like this?
 
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