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
    • 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 3 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

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/

 

[Sriim]

I noticed that my Aug bill generated on 29th and rewards credit was done on 30th and that was accurately how much I should have received as cashback for my Aug statement. But my previous statement cashback is messed up and I am unable to calculate and asked the cc and they are saying to wait as I changed my statement date so it might take time.

My cashback received the day after my statement on Sep 3 is also more or less correct. But the one generated on August 3 (which was my first statement) is short by around 100rs.

 

[helloworld]

Further when asked about which month's cashback is that and transaction wise cashback because of incorrect amount, got the following reply

"The rewards credit information which you are willing to enquire is the reward points which you have got for making the spends from the credit card. This is something which is completely different from the cashback.
I am sorry, I have checked it with the team just for the confirmation and as per them this would be the cashback it seems.
Also we would not be able to tell you the exact transaction wise cashback details because this is something which is dealt by the back end team."

Seems they're clueless about the change. Old users, can you confirm if the cashback crediting time and name have changed for you?

last month it matched for my overall cashback though earlier its direct one entry credit. now it splits two entries

- cashback
- rewards

but combinedly matching eligible cashback.

but for others in this forum it is more than they eligible so kind of not sure.

hope they'll fix it otherwise constant fear of they taking credited cashback hunts.

 

[Sriim]

last month it matched for my overall cashback though earlier its direct one entry credit. now it splits two entries

- cashback
- rewards

Cool. My 2nd statement was generated on September 3. Have so received only rewards. Maybe I'll receive the remaining amount as cashback 😅

Also once your latest statement gets generated, let us know if rewards alone matches your eligible cashback. Because it's so far matched for myself and harsh

 

[tachniki]

My first statement was just one day after card activation. It only had card fees entry. Kind of weird. 😁

 

[helloworld]

Cool. My 2nd statement was generated on September 3. Have so received only rewards. Maybe I'll receive the remaining amount as cashback 😅

Also once your latest statement gets generated, let us know if rewards alone matches your eligible cashback. Because it's so far matched for myself and harsh

no, I'm eligible for 600 cashback last month.

they credited

rewards credit as 350
cashback as 250

didn't find any logic on how they calculated but overall matches my eligible amount.

but as mentioned, some users saying they received more than eligible cashback combinedly.

 

[Sriim]

no, I'm eligible for 600 cashback last month.

they credited

rewards credit as 350
cashback as 250

didn't find any logic on how they calculated but overall matches my eligible amount.

but as mentioned, some users saying they received more than eligible cashback combinedly.

I meant the next statement. I think they're phasing out the cashback part and making everything rewards credit

 

[ccent]

no, I'm eligible for 600 cashback last month.

they credited

rewards credit as 350
cashback as 250

didn't find any logic on how they calculated but overall matches my eligible amount.

but as mentioned, some users saying they received more than eligible cashback combinedly.

just to confirm, the maximum limit of 1k is per calendar month basis right or it is per monthly card statement basis?

 

[BhaiyaJi]

just to confirm, the maximum limit of 1k is per calendar month basis right or it is per monthly card statement basis?

Card statement ....

 

[helloworld]

just to confirm, the maximum limit of 1k is per calendar month basis right or it is per monthly card statement basis?

card statement .

 

[b4bhar]

Does hsbc cb/live+ card gives 10% cashback for purchase made on FTH or milkbasket or BB Daily?

 

[100Rabh_negi]

Yes, that will fetch 10%. Cashback will be credited post 30-45 days after statement creation.

I checked via idfc card transaction and it's showing MCC5499. Grocery MCC is 5411 right?

 

[VISHESH_BANSAL]

I checked via idfc card transaction and it's showing MCC5499. Grocery MCC is 5411 right?

Banks Classify MCC 5499 under Food or Grocery.

We told you Tested and Verifed Method Only. Have some Trust.

 

[b4bhar]

I checked via idfc card transaction and it's showing MCC5499. Grocery MCC is 5411 right?

Is this for milkbasket?

 

[100Rabh_negi]

Is this for milkbasket?

No, magicpin giftcard (flipkart,Firstcry)

Banks Classify MCC 5499 under Food or Grocery.

We told you Tested and Verifed Method Only. Have some Trust.

Don't take me wrong , because of trust and your confirmation only, I already did the purchase to complete welcome benefit criteria. Was just checking across flipkart grocery (5699), country delight(5499) and magicpin CF(5499) to see which one giving which mcc. So looks like all 3 will be applicable for 10% .

 

[VISHESH_BANSAL]

No, magicpin giftcard (flipkart,Firstcry)

Don't take me wrong , because of trust and your confirmation only, I already did the purchase to complete welcome benefit criteria. Was just checking across flipkart grocery (5699), country delight(5499) and magicpin CF(5499) to see which one giving which mcc. So looks like all 3 will be applicable for 10% .

Okay. Flipkart Grocery is 5411. Earlier it was tagging 5699.

Btw You can also inititate Chat with HSBC to Know MCC after the Txn.

 

[b4bhar]

Btw You can also inititate Chat with HSBC to Know MCC after the Txn

Can we check of failed transactions? Today i generated an otp but canceled without entering the otp to check the mcc. But the customer care mentioned that they can't see the mcc for failed transactions. He asked me to test transaction

 

[100Rabh_negi]

Okay. Flipkart Grocery is 5411. Earlier it was tagging 5699.

I have a transaction from 29Aug so was checking there. Wasn't 5699 fetching 10%?

Btw You can also inititate Chat with HSBC to Know MCC after the Txn.

Thanks for the tip. This MCC game is very strange and tricky. So 5411 and 5499 should fetch 10% right?

 

[b4bhar]

No, magicpin giftcard (flipkart,Firstcry)

Is magicpin giftcard only used for Flipkart and firstcry?

 

[VISHESH_BANSAL]

I have a transaction from 29Aug so was checking there. Wasn't 5699 fetching 10%?

Merchant name pe depend hai.

Now Usually Flipkart Grocery is there on OTP Page which is 5411.

Flipkart Internet PVT LTD is 5699 but now it comes rarely and this is Apparel MCC

Thanks for the tip. This MCC game is very strange and tricky. So 5411 and 5499 should fetch 10% right?

Yes

 

[100Rabh_negi]

Is magicpin giftcard only used for Flipkart and firstcry?

No no, these are the ones which I use mostly. There are others as well with fairly decent discounts amongst other apps.

Merchant name pe depend hai.

Now Usually Flipkart Grocery is there on OTP Page which is 5411.

Flipkart Internet PVT LTD is 5699 but now it comes rarely and this is Apparel MCC

Yes

Itni research to RAW mei bhi nhi hoti hogi. And what if Dmart/reliance has incorrect MCC on POS. can we email CC to credit rewards or they will deny saying mcc not grocery.