Has anyone ever got HSBC Live+ as LTF?

[kunal05]

Searched acrossed all threads but didn't find a single person who managed to get Live+ as LTF.

If you hold HSBC Live+ as LTF, please enlighten us how you got.

Does HSBC Premier banking make you eligible for Live+ as LTF?

 

[helloworld]

Post in thread 'HSBC Live+ (Previously Cashback) Credit Card: Elevate Everyday Spending'

Sep 1, 2024

Any source for LTF or FTF?

FYI:

HSBC really really have only two cards ...

1. LTF (VISA Platinum)
2. Paid (HSBC Cashback)

If they offer this too as LTF then we won't be having the benefits that are there now or bank itself stop maintaining credit cards rewards like SC or IDFC. I don't want it to be LTF because I want it to sustain the benefits its offered currently, but that my opinion.

Ignore HSBC Premier because that needs premier relationship which need strictly 3Lpm salary or 40L TRV (if not maintained 24k, so mostly out of reach).

• helloworld

• 

: )

Does HSBC Premier banking make you eligible for Live+ as LTF?

So, ur okay to maintain 40L balance to save 1000rs.

 

[kunal05]

Post in thread 'HSBC Live+ (Previously Cashback) Credit Card: Elevate Everyday Spending'

Sep 1, 2024

Any source for LTF or FTF?

FYI:

HSBC really really have only two cards ...

1. LTF (VISA Platinum)
2. Paid (HSBC Cashback)

If they offer this too as LTF then we won't be having the benefits that are there now or bank itself stop maintaining credit cards rewards like SC or IDFC. I don't want it to be LTF because I want it to sustain the benefits its offered currently, but that my opinion.

Ignore HSBC Premier because that needs premier relationship which need strictly 3Lpm salary or 40L TRV (if not maintained 24k, so mostly out of reach).

• helloworld

• 

: )



So, ur okay to maintain 40L balance to save 1000rs.

1. Yeah, saw that. I am asking if anyone managed to get it LTF. If no one from here managed to get it LTF, I definitely won't 🙂

2. I would have tried for Premier banking based on salary criteria, not TRV.

 

[helloworld]

1. Yeah, saw that. I am asking if anyone managed to get it LTF. If no one from here managed to get it LTF, I definitely won't 🙂

2. I would have tried for Premier banking based on salary criteria, not TRV.

still if u have premier - that has different purpose where u need reward points to transfer various partners. those reward points can only be accumulated if u combine spends cumulatively, if you split here and there then sufficient reward points never be fulfilled to transfer or enjoy the benefits. When it comes to super-premium cards, its always less is better compared to diversification.

Moreover, if you have premier range of salary, then I believe they can waive the annual fee for 1 or 2 years easily. Remaining will think when time comes and this card still survive at that time. For now, take it and enjoy as much -- if you still want it and ok to delay premier (or any other super-premium card with you) reward redemption.

 

[_deb_]

1. Yeah, saw that. I am asking if anyone managed to get it LTF. If no one from here managed to get it LTF, I definitely won't 🙂

2. I would have tried for Premier banking based on salary criteria, not TRV.

No. Corporate RM told me that it’s not given LTF under any condition.

 

[kunal05]

still if u have premier - that has different purpose where u need reward points to transfer various partners. those reward points can only be accumulated if u combine spends cumulatively, if you split here and there then sufficient reward points never be fulfilled to transfer or enjoy the benefits. When it comes to super-premium cards, its always less is better compared to diversification.

Moreover, if you have premier range of salary, then I believe they can waive the annual fee for 1 or 2 years easily. Remaining will think when time comes and this card still survive at that time. For now, take it and enjoy as much -- if you still want it and ok to delay premier (or any other super-premium card with you) reward redemption.

Yes, sir. However, my question is different - did anyone manage to get it LTF?

To address your comment, I hold DCB (LTF) + ICICI EPM (paid) combo for majority of my spends.

However, HSBC Live+ would be helpful for dining out at restaurants, DMART and other places that I am not optimising right now.

There are many cafes that do not accept Swiggy or Zomato payments - primarily boutique cafes and getting 10% cashback there would be big savings for me.

 

[NikhilG]

Yes, sir. However, my question is different - did anyone manage to get it LTF?

To address your comment, I hold DCB (LTF) + ICICI EPM (paid) combo for majority of my spends.

However, HSBC Live+ would be helpful for dining out at restaurants, DMART and other places that I am not optimising right now.

There are many cafes that do not accept Swiggy or Zomato payments - primarily boutique cafes and getting 10% cashback there would be big savings for me.

My RM is saying they aren't issuing EPM, just they are issuing EPC as paid for me, asking for 30 lacs fd for EPC. what should i do?
Other option is to move to hsbc salary account.

 

[kunal05]

My RM is saying they aren't issuing EPM, just they are issuing EPC as paid for me, asking for 30 lacs fd for EPC. what should i do?
Other option is to move to hsbc salary account.

EPC is not worth 30 Lakhs FD.

 

[NikhilG]

EPC is not worth 30 Lakhs FD.

Okay, then should I just take Sapphiro credit card?

 

[Aegon]

Okay, then should I just take Sapphiro credit card?

except BMS b1g1 and icici merchant offers, sapphiro is a useless card.

 

[NikhilG]

except BMS b1g1 and icici merchant offers, sapphiro is a useless card.

And for future upgrade to EPC?

 

[helloworld]

And for future upgrade to EPC?

paid, which u can get now also.

if u want epm (next best apart apay card) push your rm limits