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
14. Zepto
15. BigBasket = Innovative Retail

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/

 

[Random123]

No, for Flipkart Grocery only you will get 10%. For others, you will get 1.5% only with Live+. I have also noticed the same issue.

Thanks for the reply. The merchant name was coming with axis flipkart card but not for hsbc live+.

 

[pjain2712]

Thanks for the reply. The merchant name was coming with axis flipkart card but not for hsbc live+.

yes it comes for most of all cards except Live+

 

[brightknight]

If you apply for second card, you have to follow complete process with all the documents.
You can switch your platinum card to live+ by simply chatting with customer care executive via mobile app. But you will not get 1000 cashback offer if you switch.

I tried applying liv+ yesterday , i already hold platinum, but the after pan verification system detected me already having one hsbc card and instructed that customer care will contact me in a day or two for further process

 

[BhaiyaJi]

I tried applying liv+ yesterday , i already hold platinum, but the after pan verification system detected me already having one hsbc card and instructed that customer care will contact me in a day or two for further process

Congratulations, your frustrating journey with HSBC has started successfully. Happy journey and best of luck for your future endeavours

 

[kunal89]

Whoever using this card, how do you determine which transaction is qualified for 10% or 1.5%. Statement doesn't show Cashback for each item like swiggy or amazon card.
Today I just received first Cashback. I've transaction from zomato, freshtohome and NPS. Not sure which one has given Cashback of how many %

 

[rajcasio]

Cashback cap: ₹1000 per statement (limit reached if spent ₹10,000) after that 0%.

Are you sure its 0%, not 1.5%?

 

[harshgupta940]

Are you sure its 0%, not 1.5%?

Yes you get 0% after 10% quota is over

 

[rajcasio]

Whoever using this card, how do you determine which transaction is qualified for 10% or 1.5%. Statement doesn't show Cashback for each item like swiggy or amazon card.
Today I just received first Cashback. I've transaction from zomato, freshtohome and NPS. Not sure which one has given Cashback of how many %

I am afraid YOU(we) should calculate it manually

 

[BhaiyaJi]

Are you sure its 0%, not 1.5%?

Its 0% post that

 

[helloworld]

Whoever using this card, how do you determine which transaction is qualified for 10% or 1.5%. Statement doesn't show Cashback for each item like swiggy or amazon card.
Today I just received first Cashback. I've transaction from zomato, freshtohome and NPS. Not sure which one has given Cashback of how many %

zomato, f2h will be 10% (provided proper mcc, if no changes)

nps 0% (govt mcc)

.. now check and match cashback received based on that.

if needed more info use hsbc chat or cs help for mcc.

 

[helloworld]

Are you sure its 0%, not 1.5%?

0% confirmed .

 

[moneyminded]

Just confirmed with customer care MCC 5813 (Bar, Pub, Alcohol) is getting 1.5%

 

[rajcasio]

Received 214 as CASHBACK in Unbilled transaction

 

[helloworld]

View attachment 80331

Received 214 as CASHBACK in Unbilled transaction

matched as per your expectations or any variance?

 

[rajcasio]

matched as per your expectations or any variance?

💯👍🙂 ... .

 

[Card_Crafter]

Any trick to spend 5-6k? I have spent 14k so far in 23 days. Another 6k pending to claim Joining benefit. Already purchased groceries, no plan of dining for the next week.

Is there any grocery app which allows wallet load using CC and Don't have wallet MCC?

 

[BhaiyaJi]

Any trick to spend 5-6k? I have spent 14k so far in 23 days. Another 6k pending to claim Joining benefit. Already purchased groceries, no plan of dining for the next week.

Is there any grocery app which allows wallet load using CC and Don't have wallet MCC?

You can also purchase GVs

 

[Tarun239]

Can someone confirm if tax payment are counted towards welcome/ joining benefit?

 

[Card_Crafter]

You can also purchase GVs

Will consider that if no other option is there. Problem is I have many alternate cards which give much better return on GVs than this 1.5%.

 

[tachniki]

Is there any grocery app which allows wallet load using CC and Don't have wallet MCC?

Big basket wallet load gives 10% cb. Also bb daily.

Can someone confirm if tax payment are counted towards welcome/ joining benefit?

I got for idfc. Not sure for hsbc live plus