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 statement (limit reached if spent ₹10,000) after that 0%.

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• 1.5% Cashback on All Other Spends
  
  • No Cap on the cashback amount
  • Exclusions
    • 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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Oct'24 Update: Cashback is credited in about 3 working days after the statement date.

Sample 10% Eligible MCCs (Reference Purpose Only):



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.

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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

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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%

References:

• 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/

 

[helloworld]

since I got the card. Only mail I get from HSBC is the app login mail which is annoying enough

🙂 I dont know when you got the card. Is it 1 month or 3 month etc.?

Check with support if more than 3 month, they can only help.

 

[anonymuos]

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.

Harami Flipkart. I used Swiggy card on "Flipkart Grocery" merchant and then realized this now. Will use a gift voucher instead.

 

[roygarg]

Is offline transaction for MCC code 5921 still eligible for cashback? If not, any other card that gives cashback for this MCC?

 

[helloworld]

Is offline transaction for MCC code 5921 still eligible for cashback? If not, any other card that gives cashback for this MCC?

mostly yes, not found in

Exclusion MCC List:

 

[roygarg]

So what is the best way to apply for this card to get rewards? I already hold an LTF platinum that I applied through Cashkaro in July end. So not eligible for Cashkaro rewards.

 

[helloworld]

So what is the best way to apply for this card to get rewards? I already hold an LTF platinum that I applied through Cashkaro in July end. So not eligible for Cashkaro rewards.

direct application .

 

[roygarg]

direct application .

Thanks. So is the Rs 1000 cashback welcome benefit given to existing card holders as well or is it only for NTB customers? And VKYC is done again for existing customers?

 

[helloworld]

Thanks. So is the Rs 1000 cashback welcome benefit given to existing card holders as well or is it only for NTB customers? And VKYC is done again for existing customers?

1st ask to flip the card to cashback (I don't see any reason to keep Platinum).

If need both cards then process has to start from beginning and verification or vkyc depends on bank mood.

welcome benfits always for all, this existing rule only if applied through thirdparty referrals not direct applications.

 

[roygarg]

1st ask to flip the card to cashback (I don't see any reason to keep Platinum).

If need both cards then process has to start from beginning and verification or vkyc depends on bank mood.

welcome benfits always for all, this existing rule only if applied through thirdparty referrals not direct applications.

Thanks. I want to use the Live+ for a year and see if it suits my needs. I want to keep the Platinum since it is LTF in case I decide to close the Live+.

 

[anonymuos]

Is offline transaction for MCC code 5921 still eligible for cashback? If not, any other card that gives cashback for this MCC?

Ye to daaru ka MCC hai 🤭

 

[roygarg]

Ye to daaru ka MCC hai 🤭

Wahi toh. Optimize everything including booze.

 

[moneyminded]

Had a call with customer care just now. Magicpin 5499 confirm. However they say 5499 gets 1.5% only. Which clearly doesn't seem to be the case as Swiggy uses the same. Waiting for billing cycle. T&C is vague af.

Btw, Ola is 4121 (so Ola Food gets only 1.5%)

 

[helloworld]

Had a call with customer care just now. Magicpin 5499 confirm. However they say 5499 gets 1.5% only. Which clearly doesn't seem to be the case as Swiggy uses the same. Waiting for billing cycle. T&C is vague af.

Btw, Ola is 4121 (so Ola Food gets only 1.5%)

5499 you'll get 10% sure. Magicpin has two gateways only 1 provide 10% other default 1.5%.

HSBC relies on MCC if that is valid like 5499 you'll get 10%. Maybe some other place you got less cashback, do check statement again.

 

[pjain2712]

Had a call with customer care just now. Magicpin 5499 confirm. However they say 5499 gets 1.5% only. Which clearly doesn't seem to be the case as Swiggy uses the same. Waiting for billing cycle. T&C is vague af.

Btw, Ola is 4121 (so Ola Food gets only 1.5%)

for which gift card, you got 5499?

 

[harshgupta940]

5499 you'll get 10% sure. Magicpin has two gateways only 1 provide 10% other default 1.5%.

HSBC relies on MCC if that is valid like 5499 you'll get 10%. Maybe some other place you got less cashback, do check statement again.

Which gateway has 5499?

 

[helloworld]

Which gateway has 5499?

last we checked its cashfree gateway. Spoiler alert: known brands not under that gateway.

 

[roygarg]

Is there any cooldown period between HSBC CC applications? I got Platinum LTF in July end and want to apply for Live+ now.

 

[helloworld]

Is there any cooldown period between HSBC CC applications? I got Platinum LTF in July end and want to apply for Live+ now.

you can apply now

 

[roygarg]

So I applied and got a message that someone from HSBC will contact me as I am an existing customer. Got a call that was tagged as Potential Spam and the person asked for PAN, address, personal, and salary details. I gave the details. He said no e-KYC will be done since I am an existing customer. He said that I will have to e-sign a pdf and share latest payslip, photo, and 1 month bank statement. The call got disconnected and I got another call that was auto blocked because it was flagged as Potential Fraud. I got this email (have cropped out the employee name). This is legit right?

 

[Daunt]

So I applied and got a message that someone from HSBC will contact me as I am an existing customer. Got a call that was tagged as Potential Spam and the person asked for PAN, address, personal, and salary details. I gave the details. He said no e-KYC will be done since I am an existing customer. He said that I will have to e-sign a pdf and share latest payslip, photo, and 1 month bank statement. The call got disconnected and I got another call that was auto blocked because it was flagged as Potential Fraud. I got this email (have cropped out the employee name). This is legit right?
View attachment 76320

Yes. These are third party official BPOs assigned by HSBC India like Viba BPO.
Similar process is for addon card application as well.