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

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helloworld

helloworld

TF Legend

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:

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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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  • New
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    shivrajsingh said:
    Does HSBC issue 2nd card. I am currently holding HSBC VISA Platinum. If 2nd card can't be issued, can it be upgraded to Live+?
    Click to expand...
    Ram1 said:
    Yes u can get 2nd card. But have to be applied separately. Upgrades not possible
    Click to expand...
    If you apply for second card, you have to follow complete process with all the documents.
    You can switch your platinum card to live+ by simply chatting with customer care executive via mobile app. But you will not get 1000 cashback offer if you switch.
     
    Upvote 0 Downvote
    For this card, anyone received annual fee waiver for spending 200k in first year ??
    I have spent 200k+ last year but no fee reversal yet although couple days back subsequent year's fees have been charged already!!
     
    Upvote 0 Downvote
    helloworld said:
    In 2024, this card delivered an impressive 8.27% return on ₹77,450 in spends Improved from 6.43% in 2023! 💳✨
    Click to expand...
    This card is good for those who don't have --
    Dining
    1) Eazydiner for 25 + 30% discount on restaurants. No minimum spend with Kotak Everyday debit card (max 1000 on 3333)
    2) Kotak Feast for 10% cashback (max. 600 on 6000) on all restaurants which are not covered by Eazydiner

    Grocery
    1) IndusInd Pioneer DC for 20% discount on big basket (500 on 2500)
    2) Kotak CC for 12% discount BigBasket (300 on 2500)
    3) Infinia Smartbuy 5x for 14.5% return on Big basket, Blinkit, Jiomart, Swiggy Instamart, etc.
    (Max spend 112500 per month on Smartbuy 5x)
    4) Airtel for 10% cashback on big basket. (Max 500 on 5000)

    Food delivery
    1) Infinia Smartbuy 5x for 14.5% return on Swiggy, Zomato food delivery.
    (Max spend 112500 per month on Smartbuy 5x)
    2) HDFC Swiggy for 10% cashback on Swiggy, instamart, dineout and genie (max 1500 on 15000)
    3) Airtel for 10% cashback on Zomato, Swiggy (max 500 on 5000)
     
    Last edited:
    Upvote -1 Downvote
    drsel said:
    This card is good for those who don't have --
    Dining
    1) Eazydiner for 25 + 30% discount on restaurants
    2) Kotak Feast for 10% cashback on all restaurants which are not covered by Eazydiner

    Grocery
    1) IndusInd Pioneer DC for 20% discount on big basket
    2) Kotak CC for 12% discount BigBasket
    3) Infinia Smartbuy 5x for 14.5% return on Big basket, Blinkit, Jiomart, Swiggy Instamart, etc

    Food delivery
    1) Infinia Smartbuy 5x for 14.5% return on Swiggy, Zomato food delivery.
    2) HDFC Swiggy for 10% cashback on Swiggy
    Click to expand...


    ProblemHSBC Live+
    Dining:Easydiner for 25+30% discount on resturantsNeed min. 2500 and above spends for most of the bank cards. Also, restaurants are limited in some metros too.100Rs. min and works all restaurants, no need to tie-up, say that 'easydiner' not accepted, no need to call during billing that restaurant not accepting coupons etc.
    Kotak Feast for 10% Works only for dining and need min. 5000 spends100Rs. min and works for grocery, super markets too not only limited to dining.
    Grocery:IndusInd Pioneer DC for 20% discount on big basketRequired 10L QAB + Min. 2500 to get 20% discount on big basket100Rs. min and works for Swiggy, BB, Zepto, Blinkit etc.
    Kotak CC for 12% discount BigBasketI believe same min. spend criteria for this too because bb its like that. Don't have experience with this bank cards."
    Infinia Smartbuy 5x for 14.5% return on Big basket, Blinkit, Jiomart, Swiggy Instamart, etcComparing 14750Rs. card with 1180Rs. card (for grocery purpose?)Then upto 10K per month, directly saving 13,570 by not choosing that card for this purpose.

    Btw, its also 10% cashback vs 14.5% travel booking. You know Infinia cashback 1 RP = 0.30p so, its only 5.3% in Infinia.

    🍎 to 🍎 comparison 🙂
    Food Delivery:Infinia Smartbuy 5x for 14.5% return on Swiggy, Zomato food delivery.""
    HDFC Swiggy for 10% cashback on SwiggyWorks only for SwiggyWorks Swiggy, BB, Zepto, Blinkit etc.
     
    Upvote 6 Downvote
    helloworld said:
    ProblemHSBC Live+
    Dining:Easydiner for 25+30% discount on resturantsNeed min. 2500 and above spends for most of the bank cards. Also, restaurants are limited in some metros too.100Rs. min and works all restaurants, no need to tie-up, say that 'easydiner' not accepted, no need to call during billing that restaurant not accepting coupons etc.
    Kotak Feast for 10%Works only for dining and need min. 5000 spends100Rs. min and works for grocery, super markets too not only limited to dining.
    Grocery:IndusInd Pioneer DC for 20% discount on big basketRequired 10L QAB + Min. 2500 to get 20% discount on big basket100Rs. min and works for Swiggy, BB, Zepto, Blinkit etc.
    Kotak CC for 12% discount BigBasketI believe same min. spend criteria for this too because bb its like that. Don't have experience with this bank cards."
    Infinia Smartbuy 5x for 14.5% return on Big basket, Blinkit, Jiomart, Swiggy Instamart, etcComparing 14750Rs. card with 1180Rs. card (for grocery purpose?)Then upto 10K per month, directly saving 13,570 by not choosing that card for this purpose.

    Btw, its also 10% cashback vs 14.5% travel booking. You know Infinia cashback 1 RP = 0.30p so, its only 5.3% in Infinia.

    🍎 to 🍎 comparison 🙂
    Food Delivery:Infinia Smartbuy 5x for 14.5% return on Swiggy, Zomato food delivery.""
    HDFC Swiggy for 10% cashback on SwiggyWorks only for SwiggyWorks Swiggy, BB, Zepto, Blinkit etc.
    Click to expand...
    I included all the limits and updated it
     
    Apply For LTF HDFC Swiggy Credit Card
    Upvote 0 Downvote
    I have been using Swiggy instamart for all grocery needs in the last many months, but visited Reliance Smart Bazar today to buy some things that I didn't find it online. To my surprise, there are actually a hell lot of items in Reliance Smart Bazar. It is like a big warehouse. And the offers are much better than online ones. Really there are a lot of B1G1 offers on all these rice flours, atta, and many more items.
    I used to buy from that shop earlier and all, but after getting the hang of online quick delivery apps, I slowed down my visits to these shops.

    But I can say, Reliance is much better in terms of number and variety of items compared to More or other super markets. (I am from Kochi, Kerala, and we don't have DMart here yet.)

    I am thinking of slightly changing my grocery purchase strategy next year onwards - depend on quick delivery apps only for urgent needs. For general purchases, I am planning to visit offline on say a weekday afternoon where rush is also less and I can peacefully get all items. My offline grocery would come near 10k per month.

    Coming to card to be used - Today I used UPI scan there today using Neu app/infinity card. (1.5% neu coins)
    • But I think I should get a Live+ card, that gives 10% cash back on grocery purchases offline.
    • Otherwise, are there any reliance vouchers that I can purchase with better discounts?
    • Or is the SBI Reliance co-branded card better for this use? .
     
    Upvote 0 Downvote
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