helloworld
TF Legend
Related posts: https://www.technofino.in/community/threads/one-more-devaluation-this-time-hsbc-cashback-card.15623/
Summary:
Some MCCs (Reference Purpose Only):
Note: The transactions for each category are identified through Merchant Category Codes* (MCC), defined by the Network, e.g. Visa, MasterCard and RuPay.
Mall food courts, Nearby grocery stores, Supermarkets, Swiggy Instamart and Grocery - worked for me for 10% cashback based on above MCC (unless you have same MCC, no guarantee).
Replace some cards (If you use this card ..):
1.5% offline - Alternative to FK 1.5% Card
10% grocery (offline) - Alternative to StanC Manhattan 5% Card
10% grocery and food delivery (online) - Alternative to Airtel 10% Card
10% dining (offline) - Alternative to AU Zenith 5% Card
Exclusion MCC List:
Summary:
| Benefit/Feature | New Changes |
| Annual Fee | 999+18% GST |
| Fee Waiver | 2L |
| Online Spends | 1.5% |
| Offline Spends | 1.5% |
| Grocery MCC | 10% (with below two categories upto 1K per month) |
| Dining MCC | 10% |
| Swiggy/Zomato or Food Delivery MCC | 10% |
| Easydiner | 15% upto 500 on min.2.5k |
| Lounge Benefit | 4 per year |
| fuel, rental, govt. transactions, e-Wallets, insurance, education, B2B goods and services, jewellery, charity, toll fees, cash advances, payments of outstanding balances, payments of card fees and other card changes | 0% |
Some MCCs (Reference Purpose Only):
Note: The transactions for each category are identified through Merchant Category Codes* (MCC), defined by the Network, e.g. Visa, MasterCard and RuPay.
Mall food courts, Nearby grocery stores, Supermarkets, Swiggy Instamart and Grocery - worked for me for 10% cashback based on above MCC (unless you have same MCC, no guarantee).
Replace some cards (If you use this card ..):
1.5% offline - Alternative to FK 1.5% Card
10% grocery (offline) - Alternative to StanC Manhattan 5% Card
10% grocery and food delivery (online) - Alternative to Airtel 10% Card
10% dining (offline) - Alternative to AU Zenith 5% Card
Exclusion MCC List:
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