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 statement (limit reached if spent ₹10,000) after that 0%.

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• 1.5% Cashback on All Other Spends
  
  • No Cap on the cashback amount
  • Exclusions
    • 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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Oct'24 Update: Cashback is credited in about 3 working days after the statement date.

Sample 10% Eligible MCCs (Reference Purpose Only):



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.

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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

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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%

References:

• 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]

@helloworld which banks are good for asking MCC?
Amex- SBI- HDFC- Axis- ICICI etc... easiest 3

Hsbc for sure. I just message them.

 

[harshgupta940]

@helloworld which banks are good for asking MCC?
Amex- SBI- HDFC- Axis- ICICI etc... easiest 3

IDFC shows the MCC in app itself. Also I have tried Citibank and it was very smooth but now its merged into axis. Hsbc also provides the MCC and also tells you which txns will give you 10% or not.

 

[TheGuy]

Hsbc also provides the MCC and also tells you which txns will give you 10% or not.

we have to call or email or is there chat option in app like amex?
thanks for reply harsh and bahar. truly appreciate. 🙂

 

[b4bhar]

we have to call or email or is there chat option in app like amex?
thanks for reply harsh and bahar. truly appreciate. 🙂

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

 

[harshgupta940]

we have to call or email or is there chat option in app like amex?
thanks for reply harsh and bahar. truly appreciate. 🙂

In HSBC I called and asked. Most of the customer service executive have good knowledge but if you experience someone is not helping you much then retry by reconnecting to another executive.

 

[harshgupta940]

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

In HSBC app? Can you guide how to do that?

 

[b4bhar]

In HSBC app? Can you guide how to do that?

open the app, login, then go to support then click on chat with us. They sometimes take time to reply, but as i only need to MCC, i message and leave. whenever we get reply, you get a notification from the app

 

[harshgupta940]

open the app, login, then go to support then click on chat with us. They sometimes take time to reply, but as i only need to MCC, i message and leave. whenever we get reply, you get a notification from the app

Great will try it next time.

 

[helloworld]

we have to call or email or is there chat option in app like amex?
thanks for reply harsh and bahar. truly appreciate. 🙂

HSCB chat also available but like AMEX never know when they replied, so keep notification on.

Indian banks works only of we call and find right person.

IDCF providing in the transaction itself.

 

[|V|]

Amazon fresh is reporting MCC 5399 now. Its not fetching 10% cashback. Anyone else can confirm ?
Merchant name : "AMAZON PAY INDIA PRIVA WWW.AMAZON.IN IN"

 

[helloworld]

Amazon fresh is reporting MCC 5399 now. Its not fetching 10% cashback. Anyone else can confirm ?
Merchant name : "AMAZON PAY INDIA PRIVA WWW.AMAZON.IN IN"

amzn never 10% by default. it is multi mcc platform, so kind of risky and luck. avoid using there.

 

[pprakash11]

Finally Cashback for June-2024 credited for HSBC Cashback Credit Card.

 

[Abhishek012]

Finally Cashback for June-2024 credited for HSBC Cashback Credit Card.

Superpe app se loote bank transfer kar k? 🤣🤣

 

[pprakash11]

Superpe app se loote bank transfer kar k? 🤣🤣

Mai kidhar aur se loot lia 😛

 

[harshgupta940]

Superb Offer for HSBC Cashback Card users. 50% off upto 500.
Order for INR 1000 and get INR 500 discount and INR 50 (10% CB) which will effectively cost you INR 450 (55% Off).

Restaurant specific discount if applicable is additional.

 

[Abhishek012]

View attachment 60843
Superb Offer for HSBC Cashback Card users. 50% off upto 500.
Order for INR 1000 and get INR 500 discount and INR 50 (10% CB) which will effectively cost you INR 450 (55% Off).

Restaurant specific discount if applicable is additional.

Swiggy trick - you can use same card multiple swiggy accounts.

 

[helloworld]

cashback and live+ 🤔

They changed it, its cashback / live+ now

 

[anishdacool]

Superpe app se loote bank transfer kar k? 🤣🤣

Ye aur onecard work karta hai superpe par?

 

[helloworld]

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.

 

[sarainfo12]

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