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HSBC Live+ (Previously Cashback) Credit Card: Elevate Everyday Spending

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helloworld

helloworld

TF Legend

Key Features​


1693581653195.png

  • 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:
 
Last edited:
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1) Has anyone tried with Zepto, BlinkIt, Swiggy Instamart and got 10% cb
2) If I apply for add-on card, will it be tagged to add-on card holders mobile number? Or only to the primary card holder Mobile number?
3) Airport lounge befit : Can this be shared between primary and add-on card holder?
 
Upvote 0 Downvote
moneyminded said:
1. Eazydiner doesn't work everywhere. It also has minimum spend amount for those discounts. HSBC 10% is without any TnC. Most of my dining doesn't happen at fancy expensive restaurants. 10% no strings attached off at local restaurants is still a win.
2. If you have a DMart in your area, please compare how cheaper it is versus any grocery app. 10% off makes it even cheaper. People flock like crazy at Dmart, irrespective of their financial status or being less convenient, because its cheaper. It has cheaper brands. Infact some local grocery shops even get their own supplies at a discount (sometimes even BOGO) from Dmart and resell it at MRP.
3. Valid, Axis Airtel is a no brainer for Airtel customers but, Swiggy and Zomato are way more expensive than say Magicpin, Ola or other ONDC apps. Restaurants put a lower price on ONDC since its way lesser commission. HSBC doesn't restrict you on the app you use.
Click to expand...
1. With indusind easydiner card, no minimum spend requirement, has annual fee, but max discount 25% upto 1k everytime you visit.
 
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Neo said:
1) Has anyone tried with Zepto, BlinkIt, Swiggy Instamart and got 10% cb
2) If I apply for add-on card, will it be tagged to add-on card holders mobile number? Or only to the primary card holder Mobile number?
3) Airport lounge befit : Can this be shared between primary and add-on card holder?
Click to expand...

yes
yes and no
no, only primary
 
Upvote 0 Downvote
pprakash11 said:
As of now, No.

But nothing mentioned on website too
Click to expand...
HSBC is running 1000 cashback offer for Live plus card. See the details below.

---

5. Under this Offer, Cardholders will be entitled to ₹1,000 Cashback on successfully downloading the
HSBC India Mobile app and make transactions of at least ₹20,000 within the first 30 days
T&Cs apply. Offer ends 31 December 2024.
6. Add-on credit Cardholders will have separate Offer eligibility. So, there will be a separate cashback
eligibility on completing the transactions on the primary card and a separate cashback eligibility on
completing the transactions on the add-on card, as per the Offer Period mentioned in Point 5.

--

I am wondering - if there are no joining fee charges for add on card, then why are they offering seperate cashback for add on card?
 
Upvote 0 Downvote
Neo said:
HSBC is running 1000 cashback offer for Live plus card. See the details below.

---

5. Under this Offer, Cardholders will be entitled to ₹1,000 Cashback on successfully downloading the
HSBC India Mobile app and make transactions of at least ₹20,000 within the first 30 days
T&Cs apply. Offer ends 31 December 2024.
6. Add-on credit Cardholders will have separate Offer eligibility. So, there will be a separate cashback
eligibility on completing the transactions on the primary card and a separate cashback eligibility on
completing the transactions on the add-on card, as per the Offer Period mentioned in Point 5.

--

I am wondering - if there are no joining fee charges for add on card, then why are they offering seperate cashback for add on card?
Click to expand...
No, joining fees for add on card is not charged. Add on is life time free
 
Upvote 0 Downvote
If we flip from hsbc platinum to live+ won't we get introductory cashback offer of INR 1000? Has anyone got cashback after flipping the card? I did not get any cashback so far
 
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I am currently Utilizing Kotak essentia and axis Airtel for my grocery and dining needs. This card will help me have just one card.

Is there a way to get it for self employed or a homemaker? Maybe a savings account or FD?
 
Upvote 0 Downvote
jhanishdev said:
I am currently Utilizing Kotak essentia and axis Airtel for my grocery and dining needs. This card will help me have just one card.

Is there a way to get it for self employed or a homemaker? Maybe a savings account or FD?
Click to expand...

with savings there is possibility, but if you ok with existing cards, then you're not loosing much.
 
Upvote 0 Downvote
helloworld said:
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
Click to expand...
Thanks for this . I am really thinking to close my axis ace and was looking for an 1.5% offline alternate so I can fallback from kiwi at times.

BTW anyway to get this as LTF ?
 
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