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/

 

[b4bhar]

5411 is Grocery MCC. How can it not be eligible? 😵

That's how clueless there customer care is. Better just check the MCC with them. At least they are informing that

 

[Visith]

Spends beyond capping of 1000/statement for Dining, Food Delivery and Grocery category will yield 1.5% or no cashback at all after capping?

 

[helloworld]

Spends beyond capping of 1000/statement for Dining, Food Delivery and Grocery category will yield 1.5% or no cashback at all after capping?

Never tried. Do let me know if you find the answer.

Based on other cards (cashback from other banks), ideally it should be no cashback after that. But, not 100% sure.

 

[b4bhar]

Never tried. Do let me know if you find the answer.

Based on other cards (cashback from other banks), ideally it should be no cashback after that. But, not 100% sure.

I think this should give 1.5% cb as there is no capping for 1.5%cb.

 

[amitsingha939]

For HSBC agent DM me

 

[vishals]

As given by HSBC- For Cashback Card

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 txns 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 txns carried out through MCCs 9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9402, 9211, 9405, 9950, 9223, 8351), Insurance (MCC 6300, 5960), Jewelry & Antique items (MCC 5944, 5094, 5932,

 

[helloworld]

As given by HSBC- For Cashback Card

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 txns 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 txns carried out through MCCs 9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9402, 9211, 9405, 9950, 9223, 8351), Insurance (MCC 6300, 5960), Jewelry & Antique items (MCC 5944, 5094, 5932,

any changes or same as mentioned in post?

 

[Aditya12]

Guys, I swiped my card at Reliance Digital, Pune and the MCC shows 5411 😉!

 

[b4bhar]

Guys, I swiped my card at Reliance Digital, Pune and the MCC shows 5411 😉!

What did you buy and how much?

 

[Aditya12]

What did you buy and how much?

I did part payment for a camera. Paid 16k but using IDFC card which shows MCC. I don’t regret not using hsbc because I anyway exhaust 10k grocery quota each month but for some it can be a useful info.

 

[b4bhar]

I did part payment for a camera. Paid 16k but using IDFC card which shows MCC. I don’t regret not using hsbc because I anyway exhaust 10k grocery quota each month but for some it can be a useful info.

View attachment 58925

View attachment 58926

This totally depends on the shop and location i guess as i bought an AC in reliance digital last month and MCC is 5732. So, cant take this for granted

 

[Aditya12]

This totally depends on the shop and location i guess as i bought an AC in reliance digital last month and MCC is 5732. So, cant take this for granted

Yes, I agree!!

 

[helloworld]

Guys, I swiped my card at Reliance Digital, Pune and the MCC shows 5411 😉!

5411 is grocery stores means In pune they swapped reliance fresh POS machine in Digital. Not sure same will happen everywhere else or next time when we visit same store. But, good to know.

 

[Sai Ganesh]

I did part payment for a camera. Paid 16k but using IDFC card which shows MCC. I don’t regret not using hsbc because I anyway exhaust 10k grocery quota each month but for some it can be a useful info.

View attachment 58925

View attachment 58926

bro how you got this screenshot from IDFC ?

If possible pls say how to get this from HSBC bank as well ?

 

[b4bhar]

bro how you got this screenshot from IDFC ?

If possible pls say how to get this from HSBC bank as well ?

Its only with idfc. You can see these details when you download the transaction receipt. For hsbc, you can check with the customer care. They will let you know the mcc

 

[jack333]

Guys, I swiped my card at Reliance Digital, Pune and the MCC shows 5411 😉!

Seems they are using reliance Smart pos machine

 

[Sai Ganesh]

Its only with idfc. You can see these details when you download the transaction receipt. For hsbc, you can check with the customer care. They will let you know the mcc

ok ok bro great

 

[Heehaahee]

5411 is grocery stores means In pune they swapped reliance fresh POS machine in Digital. Not sure same will happen everywhere else or next time when we visit same store. But, good to know.

Now we have to do electronics shopping from Pune it seems 🤔

 

[Sumiit9100]

you can test while doing a transaction. Disable purchases and payment will fail. Then call customer care to check MCC

 

[Aditya12]

Seems they are using reliance Smart pos machine

Most probably yes !