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

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helloworld

helloworld

TF Legend

Key Features​


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  • 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
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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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Abhishek012 said:
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) -

www.technofino.in

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 www.technofino.in
Click to expand...
Yes. Card itself isn't much interesting tho.
 
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vijay.vj said:
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.
Click to expand...
After Reliance takeover of Metro India business, it was announced that it will be soon opened to regular retail customers as well.
But since then no concrete news about what's the procedure and so far unable to verify from anyone actually trying this.
 
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I just came across Essentia Platinum Credit Card which is basically mini HSBC CB card (10% upto 500 per month with 749 annual fee) & this card is discontinued.

Fingers crossed for HSBC CB.
 
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Any idea whoever is using this card why are they not giving cashback on these merchants - "Raz Credence" and "Samast Technologies Pvt. Ltd." - any leads would be helpful. Thanks.
 
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Abhishek012 said:
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.
Click to expand...
Has anyone used these? As I just saw a review on Amazon, in which it said that these gift cards did not work for products purchased in Smart Bazaar(In the jiomart app).
 
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helloworld said:
Visa platinum and matched with earlier discussion with customer support provided mccs.

Let me know if any changes..
Click to expand...
nope, no changes required

I was looking for the list in the post where you had put eligible MCCs after call with Customer support but found this one which was similar to Visa Platinum offer

Now we can conclude that this is official list of MCCs which HSBC considers under Restaurant, Food & Grocery Category
 
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shutapdiya said:
nope, no changes required

I was looking for the list in the post where you had put eligible MCCs after call with Customer support but found this one which was similar to Visa Platinum offer

Now we can conclude that this is official list of MCCs which HSBC considers under Restaurant, Food & Grocery Category
Click to expand...

Yes, Since it came from HSBC, these are the mcc registered in their system for these categories.

Some other mccs also might apply but for now these are matching with Swgy, zmto, bb etc. known websites.
 
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My wife just got this card (brainwashed my wife to apply it 🤣🤣, and we can close one other card) .

Btw , how the cashback cycle works ? Is that calender month like millennia or statement cycle ?
Do we need to wait until statement generates too see the cashback or we can see in 2 to 3 days after transaction settles . ?

Thanks
 
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sarainfo12 said:
My wife just got this card (brainwashed my wife to apply it 🤣🤣, and we can close one other card) .

Btw , how the cashback cycle works ? Is that calender month like millennia or statement cycle ?
Do we need to wait until statement generates too see the cashback or we can see in 2 to 3 days after transaction settles . ?

Thanks
Click to expand...
It is usually ~18 days after the stmt generation, essentially 2-3 days after the pmt due date of the last stmt. For my wife's 15 Dec stmt, the CB was posted on 3rd Jan.
 
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sarainfo12 said:
My wife just got this card (brainwashed my wife to apply it 🤣🤣, and we can close one other card) .

Btw , how the cashback cycle works ? Is that calender month like millennia or statement cycle ?
Do we need to wait until statement generates too see the cashback or we can see in 2 to 3 days after transaction settles . ?

Thanks
Click to expand...

like fk or airtel.. credit in next month statement but we don't know how much cb we got in this month.
 
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venkateshr said:
It is usually ~18 days after the stmt generation, essentially 2-3 days after the pmt due date of the last stmt. For my wife's 15 Dec stmt, the CB was posted on 3rd Jan.
Click to expand...
helloworld said:
like fk or airtel.. credit in next month statement but we don't know how much cb we got in this month.
Click to expand...
sarainfo12 said:
My wife just got this card (brainwashed my wife to apply it 🤣🤣, and we can close one other card) .

Btw , how the cashback cycle works ? Is that calender month like millennia or statement cycle ?
Do we need to wait until statement generates too see the cashback or we can see in 2 to 3 days after transaction settles . ?

Thanks
Click to expand...
It is actually 45 days from statement generation so in next to next statement the cb gets posted (worst thing about this card)
 
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