Offer Fulfilled! Upgraded from HSBC Platinum to HSBC LIV+

[PKR1]

Hi,

I wanted to share my experience with HSBC LIV+ credit card (previously known as HSBC Cashback credit card) approval journey. I have been using LTF HSBC Platinum card since 2017. I mostly rely on offline supermarkets like Star Bazaar for monthly grocery shopping. I was looking for a card which gives most rewards/cashback for offline transactions but was unable to find any good option. Then I came across HSBC LIV+ credit card which was offering 10% cashback for grocery shopping in offline+ online stores. I called customer care and enquired how can I get it.

There are 2 options through which one can get LIV+ card:
1. Freshly apply for new LIV+ card directly through its website, it needs all the documents to be submitted and again all approval process will take place, that's time consuming. I already hold around 19-20 credit cards, so I had some doubt of application getting declined as recently SBI had rejected my SBI TATA Star Titanium credit card(Star Bazaar specific card). So, I asked for another option.
2. Upgrade my existing LTF HSBC Platinum card to HSBC LIV+ card keeping the same existing credit limit. Issue with this option was my Platinum card was LTF and LIV+ is a chargeable card and for upgrading card joining fees and annual fees both will be applicable. I requested for waiving off atleast Joining fees but they denied. But the offer of waiving off joining fees upon spending 20k in 1st month was still applicable. This card looked worthy of the offers it gives , so I decided to go with the upgrade offer accepting it as a chargeable card.

My card got delivered within 3 days in my Bengaluru address, here is the timeline of events:
1. Called customer care HSBC - 1800 267 3456 on 02/01/2025 morning for enquiring about the card and asked for card upgrade on call.
2. Got this message minutes after disconnecting the call-
Dear Customer, we acknowledge your request on card reclassification under reference 0201XXX5387. It will be processed in 2 working days. Do quote this reference for any further enquiry
-HSBC
02/01/25 11:50AM
3. Received this message on the same day in afternoon:
Dear Customer, we have successfully closed your request on card reclassification under reference 0201XXX5387. You should receive it within 7 working days.
Do approach us for any further enquiry
-HSBC
02/01/25 02:58AM
4. Digital card visible in the app on 03/01/25 morning. Didn't check on 2nd Jan so not sure when exactly it started appearing on app on 2nd or on 3rd Jan.
Note: I had already installed HSBC app as I was using Platinum card earlier and Platinum card was already listed in the app, after upgrade Platinum card details
was removed and LIV+ was appearing.
5. Got this message from HSBC:
Dear Customer, you will receive a message within 2 days on how to generate your HSBC Card Pin via SMS.
03/01/25 04:55PM
6. Next day directly got out of delivery message from Bluedart:
ARRIVING: Blue Dart will deliver your shipment TODAY. During delivery, our Field Executive will request for KYC, as requested by the Shipper. For real time updates,
Track https://acl.cc/BLUDRT/gAOXXXXX
04/01/25 12:45PM
7. Card delivered:
Your order with Blue Dart AWB# 34094XXXXXX was delivered to MRXXXX. Please Rate our Service on https://acl.cc/BLUDRT/onEXXXXX
04/01/25 03:36PM

Congratulations on your new card and Good Luck if you are freshly applying for HSBC Card. I hope it clears your excitement of waiting for your new card!!!

 

[itsMrKPK]

yes, no card is meant for all, its primarily meant for families, Sodexo coupons of 2200 wont be sufficient for monthly grocery of an avg family, plus occasional dine outs r common, there r cards which will give better discount using dineout or easydiner but mostly have minimum spending criteria, middle class family dont always visit costlier pub restros , in normal family restuarants also it'll come handy, u can get 30-40% swiggy zomato off using Axis neo , myzone or rewards that can be used twice a month, after that quota is over it'll come handy, overall if one has the needs of spending 10k monthly with this card which I guess most families can, its an excellent card to have, not to forget it not only gives 10% cashback in offline marts but in online as well, basically 1 card for all. Its not a standalone card one wants to have but its an excellent supplementary card which provides great value to an avg household wallet

U mean 10% on zepto as well?
Tried and tested?

 

[PKR1]

U mean 10% on zepto as well?
Tried and tested?

yes in zepto as well as per their offer, got this card newly, abhi to testing hi chal raha, will update after i get the cashback

 

[rajcasio]

yes in zepto as well as per their offer, got this card newly, abhi to testing hi chal raha, will update after i get the cashback

Please answer this
https://www.technofino.in/community...m-hsbc-platinum-to-hsbc-liv.36293/post-904955

 

[PKR1]

My FIRST statement is generated today.
When can i expect the CASHBACK credit?

that's a long wait, so if u r making transaction now, u'll get cashback in next to next statement

 

[mayankcse10]

My FIRST statement is generated today.
When can i expect the CASHBACK credit?

It's mostly posted within 2 days of statement generation. You'll also get an email confirmation of the same.

 

[helloworld]

Does that give flat 10% cashback on supermarket bill, or it depends if it falls under grocery category or not, what if someone buys non grocery items like a bucket or anything else? Did u check that?

Everything is in TESTING process
Answers for all the questions are replied only in the STATEMENT generated on 9th JAN
I'm eagerly waiting for it🙂

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

Sep 1, 2023

Key Features​

---

---

• 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%.

---

• 1.5% Cashback on All Other Spends
  
  • No Cap on the cashback amount
  • Exclusions
    • Fuel | Rent | Utilities | Government Transactions | e-Wallets | Insurance | Education | B2B...

• helloworld
• Replies: 450
• Forum: HSBC Credit Card

• 
• 
• 

: )

 

[PKR1]

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

Sep 1, 2023

Key Features​

---

---

• 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%.

---

• 1.5% Cashback on All Other Spends
  
  • No Cap on the cashback amount
  • Exclusions
    • Fuel | Rent | Utilities | Government Transactions | e-Wallets | Insurance | Education | B2B...

• helloworld
• Replies: 450
• Forum: HSBC Credit Card

• 
• 
• 

: )

That's pretty old data when it was cashback card, now it's Liv+ and there is no such restriction r mentioned

 

[helloworld]

That's pretty old data when it was cashback card, now it's Liv+ and

just check once, thread upto date since old days.

there is no such restriction r mentioned

anything wrong in that thread?

btw, that is complete thread, not single post.

 

[itsMrKPK]

View attachment 80146
that's a long wait, so if u r making transaction now, u'll get cashback in next to next statement

Better than the cards which provide reward points

We get reward points early but we use it after months

 

[PKR1]

just check once, thread upto date since old days.



anything wrong in that thread?

btw, that is complete thread, not single post.

Not wrong, but where did u get that hsbc liv+ 10% allowed MCC , for recent cards they r not sending the list in the documents they r giving.
Anyways I managed to get this MCC for HDFC, nowhere cud find for HSBC, please post if u have the updated MCC list for HSBC

 

[PKR1]

Better than the cards which provide reward points

We get reward points early but we use it after months

Agree, I keep collecting my infinia points, just used once and again collecting like forever, I prefer better cashback, even if it's slightly lesser it's more useful

 

[helloworld]

Not wrong, but where did u get that hsbc liv+ 10% allowed MCC , for recent cards they r not sending the list in the documents they r giving.
Anyways I managed to get this MCC for HDFC, nowhere cud find for HSBC, please post if u have the updated MCC list for HSBC

those are updated and working for over year now.

list sent by hsbc during one of its promotional email, its not new card and no changes as of now.

shared to help you because some of you still wondering about which platforms will get cashback, when and how much etc.

hope it helps!

 

[PKR1]

those are updated and working for over year now.

list sent by hsbc during one of its promotional email, its not new card and no changes as of now.

shared to help you because some of you still wondering about which platforms will get cashback, when and how much etc.

hope it helps!

That's really great, as you are using this card for a long time now, based on your personal experience, can you please share in what all platforms you got the 10% cashback so far and where you expected but received 1.5% or none.

 

[helloworld]

That's really great, as you are using this card for a long time now, based on your personal experience, can you please share in what all platforms you got the 10% cashback so far and where you expected but received 1.5% or none.

everything available in that thread