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

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helloworld

helloworld

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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
1718468905805.png

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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    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%
     
    Upvote 0 Downvote
    vijay.vj said:
    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%
    Click to expand...
    What about Ebixcash wallet load ? Ebixcash wallet load comes under grocery category.
     
    Upvote 0 Downvote
    vijay.vj said:
    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%
    Click to expand...
    What's the merchant name for online Jiomart transaction ?

    Jiomart se gift card buy kar k bechunga phir 2%, 3% off me.
     
    Upvote 0 Downvote
    vijay.vj said:
    I see news that parent company of ebix filed bankruptcy in US. Looks like a risky one !

    Click to expand...
    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/
     
    Upvote 0 Downvote
    Abhishek012 said:
    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/
    Click to expand...
    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.
     
    Upvote 0 Downvote
    vijay.vj said:
    Exactly, very much into experimenting & exploring !
    Click to expand...
    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.
     
    Upvote 0 Downvote
    Abhishek012 said:
    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.
    Click to expand...
    Tum aur tumhara partner milke logo ko kam dhande laga rahe ho

    Accha hai desh ki amdani badhegi😂
     
    Upvote 0 Downvote
    Abhishek012 said:
    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.
    Click to expand...
    HSBC is smart enough to place a capping of 1k per month max.

    I just hope HSBC doesn't go bankrupt !
     
    Upvote 0 Downvote
    Abhishek012 said:
    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.
    Click to expand...
    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.
     
    Upvote 0 Downvote
    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...
    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
     
    Upvote 0 Downvote
    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...
    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
     
    Upvote 0 Downvote
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