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/

 

[sarainfo12]

If I use hsbc cashback card in international dining , will i still get 10% cashback?

 

[helloworld]

If I use hsbc cashback card in international dining , will i still get 10% cashback?

I think so, as long as mcc is dining mcc which is same across world. so no issues. But markup charges may apply 4.13%

 

[sarainfo12]

In Aug transactions ..

I observed ₹185 as "rewards credit"

and ₹565 as cashback from "Jul Statement"

but, I'm eligible for ₹750 total cashback which surprisingly they split into two categories.

Not sure what criteria they're following for "rewards credit" because it doesn't match any of my calculations but overall its matching.

So, don’t consider this "rewards credit" as extra cashback because this matches overall (or maybe they fixed it).

let me know anyone got higher than expected cashback.

We got our 2nd hsbc cashback card last month , first statement billing date is August 6th , but got rewards credit at 7th August.
Generally hsbc won't credit this much fast and also cashback is wrong , because I spent 10k on dining and others 20k+ , so I should get more than 1.3k but I got only 1182 . So i asked them and customer care also has no clue . So they registered as complaint.
2 days ago they called and informed me that this is automated cashback calculated by system . If any missing cashback we will post it on next month .
And also they mentioned this new system introduced after live+ launched .

But I still don't understand properly because I was half sleep when they called 🤣🤣.

 

[BhaiyaJi]

Anyone here faced issue in claiming joining 1000 Amazon Voucher? I getting errors for 3 days now.

 

[Sriim]

Anyone here faced issue in claiming joining 1000 Amazon Voucher? I getting errors for 3 days now.

Claimed yesterday. Can add maximum 1000/amazon account. If you got another 1000 for addon you have to add in different Amazon account

 

[pjain2712]

minimum amount is ₹100 to receive the cashback?

 

[helloworld]

minimum amount is ₹100 to receive the cashback?

On paper yes, but technically you can receive after 40rs. onwards but no guarantee.

 

[arone]

Anyone here faced issue in claiming joining 1000 Amazon Voucher? I getting errors for 3 days now.

i had a add on card for my bro and was facing redemption issue. i tried and it worked

 

[arone]

If I use hsbc cashback card in international dining , will i still get 10% cashback?

I think so, as long as mcc is dining mcc which is same across world. so no issues. But markup charges may apply 4.13%

i had asked customer support they confirmed it will fetch 10% however 3.5% forex chrgs also apply

 

[Sriim]

minimum amount is ₹100 to receive the cashback?

Customer care said any amount more than 10 will fetch Cashback for 10% categories

 

[pjain2712]

Customer care said any amount more than 10 will fetch Cashback for 10% categories

great so we can use for transaction amount < 100 as well. Incase if it doesn't fetch, atleast we can confirm the MCC.

 

[raghavb6]

Any source for LTF or FTF?

 

[helloworld]

Any source for LTF or FTF?

FYI:

HSBC really really have only two cards ...

1. LTF (VISA Platinum)
2. Paid (HSBC Cashback)

If they offer this too as LTF then we won't be having the benefits that are there now or bank itself stop maintaining credit cards rewards like SC or IDFC. I don't want it to be LTF because I want it to sustain the benefits its offered currently, but that my opinion.

Ignore HSBC Premier because that needs premier relationship which need strictly 3Lpm salary or 40L TRV (if not maintained 24k, so mostly out of reach).

 

[harshgupta940]

As confirmed by many Flipkart Grocery doesn't give 10% as the mcc is not grocery but Flipkart or HSBC have excluded HSBC Live+ or Cashback CC from 10% Instant Discount which is a bummer. Means they have started doing what SBI & ICICI does.

 

[BhaiyaJi]

View attachment 67081
As confirmed by many Flipkart Grocery doesn't give 10% as the mcc is not grocery but Flipkart or HSBC have excluded HSBC Live+ or Cashback CC from 10% Instant Discount which is a bummer. Means they have started doing what SBI & ICICI does.

Obviously bro, they can;t afford double discount/rewards. Axis cashback card will do the same I guess.

 

[harshgupta940]

Obviously bro, they can;t afford double discount/rewards. Axis cashback card will do the same I guess.

How is it double if HSBC is not giving 10% on Fk Grocery as mcc is not correct by Flipkart.
Idk what mcc Flipkart uses it doesn't even give 5% in Swiggy HDFC

 

[VISHESH_BANSAL]

How is it double if HSBC is not giving 10% on Fk Grocery as mcc is not correct by Flipkart.
Idk what mcc Flipkart uses it doesn't even give 5% in Swiggy HDFC

From last Month Flipkart is tagging Correct MCC for Grocery Purchases.

So they Excluded Live+ so that double Dip do not happens. Also Swiggy HDFC do not give 5% on Grocery MCC.

Earlier it is Apparels but from last month Flipkart Tagging Correct MCC.


Observe the Merchant name too. It is "Flipkart Grocery" on OTP Page.

 

[helloworld]

How is it double if HSBC is not giving 10% on Fk Grocery as mcc is not correct by Flipkart.
Idk what mcc Flipkart uses it doesn't even give 5% in Swiggy HDFC

then its flipkart issue if they tagged different. banks are very blind with mccs irrespective of purchase, applicable for all banks.

hsbc perspective they already providing 10% so excluded.

 

[pjain2712]

There is a chat option. I generally use that to get the mcc for every transaction i do.

cc executive can tell the MCC even if offline transaction fails? like incase POS is disabled or incorrect PIN entered.

 

[pjain2712]

will the transactions (which are excluded for any cashback) considered for spends (2L) to waive annual fees?