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/

 

[Visith]

Is MCC code 5310 and 5311 eligible for 10% cashback?

 

[the.avhishek]

Is MCC code 5310 and 5311 eligible for 10% cashback?

10% cashback on all restaurants (MCC 5812, 5813, 5811), food delivery and grocery (5814, 5499, 5921, 5462, 5451, 5441, 5422, 5411) transactions (capped up to INR 1,000 per calendar month).

No cashback on following categories: Fuel related (MCC 5541, 5983, 5172, 5542, 5552), e-wallets (MCC 6540), payment of property management fees, rental commissions, rental payments or any such payments made through MCCS 6513, 7012, 7349, business to business transactions made through MCCs 7399, 7311, 7372, 5045, 5047, 5065, 5072, 5111, 5013, 2741, 5137, 5192, 5193, 5131, 7361, 5085, 7333, 5039, 7379, 5021, 5199, 5122, 5099, 5198, 5139, 7829, 7395, 5051, 5046, 5169, 7375, 5074, 8734, 5044, 2842, 2791, education and government related transactions carried out throughMCCS 9399, 8299,8220,8211 8241, 9311, 8244, 8249,9222 9402,9211, 9405,9950,9225 8551), insurance (MCC 6500, 5960), jewellery and antique Iterns (MCC 5944,5094,5932 5957), garnbling (MCC 7995), tolls and bridge fees (MCC 4784), cash withdrawals, credit repayments, foreign currency, liquid and cryptocurrency assets (MCC 6011, 6010, 6012, 6051), security broker services (MCC 6211), collection agencies (MCC 7522), charity (MCC 8398, 8641), money transfers (MCC 4829), wholesale clubs (MCC5300) and utilities-electric, gas, water and sanitary (MCC 4900).

 

[helloworld]

Is 5399 eligible for 10% cashback?

no for sure.

Is MCC code 5310 and 5311 eligible for 10% cashback?

mostly no.

 

[helloworld]

Good thing about HSBC is that they're providing similar benefits (with some caps and min. transaction amount) to HSBC Platinum now and then as part of monthly offers, so can utilize both ways if exhausted with current card.

I saw 10% offers in swiggy, zomato etc. for platinum card with some min. cart value to provide same like live+ card.

But this card works without any min. transaction amount to get the cashback// not instant on those apps.

 

[helloworld]

Ola food MCC 4121

no surprise, taxi cab.

 

[iamdhamo]

U can do tap and pay n get 1.5%

Gpay scan and pay with Live+ card works?? If yes is it valid for 1.5% cb.

 

[vasanth_ece]

Will we get 10% cashback using FTH daily?

 

[iamdhamo]

Will we get 10% cashback using FTH daily?

What is fth

 

[PKR1]

Will we get 10% cashback using FTH daily?

Yes I got

 

[helloworld]

Will we get 10% cashback using FTH daily?

11. in main post, no changes but they added payment gateway charges now

 

[b4bhar]

Guys, don't use this card for flipkart groceries. They are tagging it with 5699. I just learned it the hard way by ordering and checking the code from customer care. I had to cancel my order and use flipkart card for at least 5% cb.

 

[djrocky]

Guys, don't use this card for flipkart groceries. They are tagging it with 5699. I just learned it the hard way by ordering and checking the code from customer care. I had to cancel my order and use flipkart card for at least 5% cb.

Is this card a worthwhile replacement for axis ace card primarily for offline spends ?

 

[b4bhar]

Is this card a worthwhile replacement for axis ace card primarily for offline spends ?

Depends on your use case. If you have a monthly spends of groceries, food delivery and restaurant around 10k per month, then this card is best available option in the market as it gives flat 10% direct cashback. But all depends on the MCC which the merchant uses.

 

[djrocky]

Depends on your use case. If you have a monthly spends of groceries, food delivery and restaurant around 10k per month, then this card is best available option in the market as it gives flat 10% direct cashback. But all depends on the MCC which the merchant uses.

Does it show cashback associated with each transaction in the statement?

After how much time cashback is credited in the account ?
For e.g. In Axis ace, cashback is shown in the next statement but adjusted in the second statement

 

[b4bhar]

Does it show cashback associated with each transaction in the statement?

After how much time cashback is credited in the account ?
For e.g. In Axis ace, cashback is shown in the next statement but adjusted in the second statement

No. You have to calculate that yourself. You can reach out to customer care for getting the mcc code for all the transactions. The cashback generally matches our calculation and is accurate. Cashback is credited within 2 days after the statement generation.

 

[PKR1]

Guys, don't use this card for flipkart groceries. They are tagging it with 5699. I just learned it the hard way by ordering and checking the code from customer care. I had to cancel my order and use flipkart card for at least 5% cb.

U r lucky atleast u r ordered in Flipkart Grocery, u had the time to cancel the order. I had ordered from Flipkart Minutes and then got to know MCC is 5699. Well it was small value order, so didn't loose much but glad atleast I know not to use this card for Flipkart, have u tried in Amazon Fresh?

 

[b4bhar]

U r lucky atleast u r ordered in Flipkart Grocery, u had the time to cancel the order. I had ordered from Flipkart Minutes and then got to know MCC is 5699. Well it was small value order, so didn't loose much but glad atleast I know not to use this card for Flipkart, have u tried in Amazon Fresh?

I haven't tried amazon fresh as the prices werent as attractive as dmart or flipkart groceries (kilos).

I canceled my entire order and ordered using a card that gives 5% cb