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 month (limit reached if spent ₹10,000)

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• 1.5% Cashback on All Other Spends
  
  • No Cap on the cashback amount
  • Categories not eligible for 1.5% Cashback:
    
    • 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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Sample 10% Eligible MCCs (Reference Purpose Only):



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 will replace below cards (for alternative or to keep as backup):

1.5% offline - Alternative to Ace 1.5% Card
10% grocery (offline) - Alternative to Manhattan 5% Card
10% grocery and food delivery (online) - Alternative to Airtel 10% Card
10% dining (offline) - Alternative to Zenth 5% Card

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%

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/

 

[pprakash11]

Oh.. so you say, while using IDFC cc, you get the respective MCCs for each transaction ?
Thanku for ur response..

Yeah for those transactions which I intend to get

 

[helloworld]

Yeah for those transactions which I intend to get

Does it work for all? I'm not getting any MCCs, where you checking..

 

[vijay.vj]

I tried & confirm it to be working in below stores.

Location Hyderabad

Below stores has MCC 5411
1. DMart (didn't try it online on dmart yet)
2. Reliance Smart Superstore
3. JioMart (online)
4. Amazon Fresh
5. Vijetha super market

Swiggy insta mart had different MCC but its also allowed for 10%.

Flipkart Grocery has MCC 5699, which seems to be for e comm. Not eligible for 10%

 

[Abhishek012]

I tried & confirm it to be working in below stores.

Location Hyderabad

Below stores has MCC 5411
1. DMart (didn't try it online on dmart yet)
2. Reliance Smart Superstore
3. JioMart (online)
4. Amazon Fresh
5. Vijetha super market

Swiggy insta mart had different MCC but its also allowed for 10%.

Flipkart Grocery has MCC 5699, which seems to be for e comm. Not eligible for 10%

What about Ebixcash wallet load ? Ebixcash wallet load comes under grocery category.

 

[vijay.vj]

What about Ebixcash wallet load ? Ebixcash wallet load comes under grocery category.

I'm not much of a wallet person... so have no idea about most

 

[Abhishek012]

I tried & confirm it to be working in below stores.

Location Hyderabad

Below stores has MCC 5411
1. DMart (didn't try it online on dmart yet)
2. Reliance Smart Superstore
3. JioMart (online)
4. Amazon Fresh
5. Vijetha super market

Swiggy insta mart had different MCC but its also allowed for 10%.

Flipkart Grocery has MCC 5699, which seems to be for e comm. Not eligible for 10%

What's the merchant name for online Jiomart transaction ?

Jiomart se gift card buy kar k bechunga phir 2%, 3% off me.

 

[vijay.vj]

What's the merchant name for online Jiomart transaction ?

Jiomart se gift card buy kar k bechunga phir 2%, 3% off me.

JIOMART CYBS

Wait, jiomart sells giftcards also?

 

[Abhishek012]

JIOMART CYBS

Wait, jiomart sells giftcards also?

Yes, you can buy from Jiomart website.

recently i saw we can buy jiomart gift card from Amazon (2% extra off) or gyfr websites and all bank partnership gyftr websites too.

 

[vijay.vj]

Yes, you can buy from Jiomart website.

recently i saw we can buy jiomart gift card from Amazon (2% extra off) or gyfr websites and all bank partnership gyftr websites too.

I see news that parent company of ebix filed bankruptcy in US. Looks like a risky one !

https://economictimes.indiatimes.co...kruptcy-in-us-court/articleshow/106097247.cms

 

[Abhishek012]

I see news that parent company of ebix filed bankruptcy in US. Looks like a risky one !

https://economictimes.indiatimes.co...kruptcy-in-us-court/articleshow/106097247.cms

Ya but Ebixcash have PPI wallet license from RBI.

Our PPI wallet money is safe. They cant use our wallet money for any other type of investment.

Ebixcash per day wallet loading limit is also max 5k and bank transfer (full video kyc users) limit max 10k per month.

wallet loading is free but bank transfer charges 2%+gst.

If you have paytm fastag then easily transfer ebixcash wallet to bank via paytm fastag recharge but per fastag rc limit is only Rs100 (we cant edit the amount).

more details about ebixcash wallet - https://www.technofino.in/community...astag-education-fee-loan-repayment-etc.19358/

 

[vijay.vj]

Ya but Ebixcash have PPI wallet license from RBI.

Our PPI wallet money is safe. They cant use our wallet money for any other type of investment.

Ebixcash per day wallet loading limit is also max 5k and bank transfer (full video kyc users) limit max 10k per month.

wallet loading is free but bank transfer charges 2%+gst.

If you have paytm fastag then easily transfer ebixcash wallet to bank via paytm fastag recharge but per fastag rc limit is only Rs100 (we cant edit the amount).

more details about ebixcash wallet - https://www.technofino.in/community...astag-education-fee-loan-repayment-etc.19358/

Omg your tricks are amazing.

Looking at them, they make me greedy !
And when greedy, I end up doing messy stuff. Need to stay safe.

 

[jack333]

Omg your tricks are amazing.

Looking at them, they make me greedy !
And when greedy, I end up doing messy stuff. Need to stay safe.

Commander is very much fond of messy stuff 🤣

 

[vijay.vj]

Commander is very much fond of messy stuff 🤣

Exactly, very much into experimenting & exploring !

 

[Abhishek012]

Exactly, very much into experimenting & exploring !

Do you know nowadays almost all our local kirana/grocery stores purchased from Jiomart/Dmart and resell at higher price.

If we purchase from Jiomart/Dmart using HSBC Cashback credit card and resell them with same price, they will happily buy it from us

our profit - 10% full cashback on HSBC Cashback credit card.

 

[shutapdiya]

Do you know nowadays almost all our local kirana/grocery stores purchased from Jiomart/Dmart and resell at higher price.

If we purchase from Jiomart/Dmart using HSBC Cashback credit card and resell them with same price, they will happily buy it from us

our profit - 10% full cashback on HSBC Cashback credit card.

Tum aur tumhara partner milke logo ko kam dhande laga rahe ho

Accha hai desh ki amdani badhegi😂

 

[vijay.vj]

Do you know nowadays almost all our local kirana/grocery stores purchased from Jiomart/Dmart and resell at higher price.

If we purchase from Jiomart/Dmart using HSBC Cashback credit card and resell them with same price, they will happily buy it from us

our profit - 10% full cashback on HSBC Cashback credit card.

HSBC is smart enough to place a capping of 1k per month max.

I just hope HSBC doesn't go bankrupt !

 

[vijay.vj]

Do you know nowadays almost all our local kirana/grocery stores purchased from Jiomart/Dmart and resell at higher price.

If we purchase from Jiomart/Dmart using HSBC Cashback credit card and resell them with same price, they will happily buy it from us

our profit - 10% full cashback on HSBC Cashback credit card.

Hey, do you any tricks to get METRO membership as a regular individual (they offer it only to bussiness people who have GST)? They offer great discounts across many things, but sadly not open to regular customers.

 

[shutapdiya]

Hey, do you any tricks to get METRO membership as a regular individual (they offer it only to bussiness people who have GST)? They offer great discounts across many things, but sadly not open to regular customers.

Tum supreme commander ko samjhe nahi abhi tak

Inki maharat Rupay/ UPI/ tricks- loopholes/ Devaluation, etc me hai

 

[Abhishek012]

Hey, do you any tricks to get METRO membership as a regular individual (they offer it only to bussiness people who have GST)? They offer great discounts across many things, but sadly not open to regular customers.

METRO membership ? you mean METRO wholesale stores ? no idea.

Kotak is offering RuPay Metro Credit card (but i heard this card is not working anywhere except Metro stores) -

Kotak, METRO Wholesale launch RuPay Credit card, earn cashback upto Rs 10,000 per month

Kotak, METRO Wholesale launch RuPay Credit card, earn cashback upto Rs 10,000 per month Kotak bank and METRO Wholesale launch the METRO Kotak Credit Card for millions of METRO customers, including small retailers, SMEs and Kirana stores. METRO Kotak Credit card will provide easy, interest –...

www.technofino.in

 

[jack333]

Hey, do you any tricks to get METRO membership as a regular individual (they offer it only to bussiness people who have GST)? They offer great discounts across many things, but sadly not open to regular customers.

Take in the name of some relative who has gst no. Walmart/Flipkart wholesale guys let us purchase without gst. They just enter someone's card number. But have to purchase min 1500