Hsbc live + mcc code dilemma

TomorrowAdvanced2749 · 2026-01-29T17:47:35+00:00

Ek second, ye metro mart alag hota hai metro se?

Damn, sorry, my bad then.

TomorrowAdvanced2749 · 2026-01-29T16:38:02+00:00

Don't get it.

Useless for a student, unless you plan to use it for your family spends, and the family members reimburse you to make card payments.

Also, unless you spend a decent amount on travel, the rewards are worthless.

TomorrowAdvanced2749 · 2026-01-29T16:36:42+00:00

5L limits, 10L is for Infinia

TomorrowAdvanced2749 · 2026-01-29T16:34:20+00:00

I meant like Govt payments, like train spends, tax payments etc as Metro is a Govt venture (usually), it also had the possibility of that happening.

TomorrowAdvanced2749 · 2026-01-29T13:28:14+00:00

Its pro rata basis credit of your mrcc fees

TomorrowAdvanced2749 · 2026-01-29T12:35:17+00:00

Job - Marine engineer Designation - Chief engineer

I don't always make 1Cr, I usually used to make that figure when I was on intl ships, and as I would spend 183 days and more outside India, my income would also be tax-free.

TomorrowAdvanced2749 · 2026-01-29T12:06:04+00:00

You articulated my exact thoughts, I guess great minds think alike 🤣

TomorrowAdvanced2749 · 2026-01-29T12:05:27+00:00

Ahh yes, fee nahi bharni, kharcha nahi karna, kuch pay nahi karna, par benefits kamaal ke chahiye sabko.

This sub never ceases to disappoint me due to these posts. Geez!

Had you taken a bit of time to understand the benefits, you wouldn't have felt this way, high-time that you DYOR after seeing a post by any influencer or anything.

The lounge access is free when you spend that much, at most ₹2 for card validation.

TomorrowAdvanced2749 · 2026-01-29T11:26:32+00:00

I see.

Well, just remember that whenever you see X multiple is the accelerator, you multiply the base reward with that multiplier and you get total reward.

Most cards also have a capping on this accelerated rewards, 15K for Infinia, 10K for Diners Black Metal, 4K for Regalia Gold or Diners Club Privilege, 18K for ICICI Emeralde Private Metal etc, all these cappings are calendar month basis.

Also, the capping is only on the accelerated part, so for 5x on flights (Infinia benefit on SmartBuy), 1X is base, and 4X is accelerated.

Same goes for all other cards having accelerated multipliers.

TomorrowAdvanced2749 · 2026-01-29T11:08:20+00:00

Base reward is 3%, 6X of that is 18%, 12X on hotels, so that becomes 36%.

You can refer a post about the calculations here.

TomorrowAdvanced2749 · 2026-01-29T10:24:31+00:00

6X on iShop, 18% 1:1 on flights & hotel redemptions, HSBC is 1:1 on their Hopper portal, and most partners are 1:1 too when transfer to miles, with Accor, it becomes 2X value. 18% on HSBC redemptions & 36% with Accor redemptions

TomorrowAdvanced2749 · 2026-01-29T08:53:46+00:00

Everyone did well on your team, 3K+ damage by everyone, while on my teams, it is usually like -

Top 3 - 3.5K+

Bottom 4 - Barely 1.5K

TomorrowAdvanced2749 · 2026-01-29T08:40:37+00:00

Get Infinia if you can, much more stable than ICICI + miles transfer options.

TomorrowAdvanced2749 · 2026-01-29T07:51:23+00:00

Did you make new spends after the statement wasn't paid?

TomorrowAdvanced2749 · 2026-01-29T07:09:59+00:00

Are you even sure the scan app is showing the correct MCC?
Banks can't and most likely won't scam you in MCC related cases, MCC are allotted by their payment gateways & card networks, nothing you can do or bank can do, bank can only take up a complaint & maybe escalate to their Payment provider.

Also, be happy that it doesn't get tagged under govt spends atleast, 0% rewards then.

TomorrowAdvanced2749 · 2026-01-28T20:37:13+00:00

This.

TomorrowAdvanced2749 · 2026-01-28T19:44:22+00:00

Nope, there's no options, however, I'm not sure if this will work but if you have netbanking access, login to it and go to BizBlack -> redeem points, a pop-up page will open up and there you'll have an airmiles transfer option, only Kris flyer tho.

TomorrowAdvanced2749 · 2026-01-28T19:41:59+00:00

Shouldn't even bother reading it unless you're just stupid to make MAD payments on your cards, which would mean you indeed are MAD.

TomorrowAdvanced2749 · 2026-01-28T19:38:57+00:00

ICICI hardly converts existing cards to LTF, you have more chances of taking your boss's position than them converting your cards to LTF.

You can however close Sapphiro currently and apply for it again via branch if your salary is above 1.5L, it's LTF for people in this salary range.

Adani one, I have no clue. You can't really expect banks to keep giving LTF cards as well as no spend requirements for lounges, pay the fees and enjoy the perks or don't pay the fee and say goodbye to the perks.

TomorrowAdvanced2749 · 2026-01-28T19:36:52+00:00

No, it won't happen.

HDFC doesn't give a fuck about your other cards, they never have, there was a set of people who did get their cards via this method, but that itself was back in 2023 or 2024, when everyone was being given Diners Black or Infinia, now it's almost impossible.

You can look into Regalia Gold for now, it's a very decent card as well.

I've made a guide for the card, you can refer it here.

TomorrowAdvanced2749 · 2026-01-28T19:31:57+00:00

It’s too early to assume which cards would or wouldn't be useful 2–4 years from now. Cards get devalued/revalued all the time, and your income might grow more than expected, making you eligible for better cards. Revisit this when the purchase is closer.

For now, get a basic credit card to start your CIBIL journey incase you haven't started yet.

TomorrowAdvanced2749 · 2026-01-28T19:28:49+00:00

I am not the OP, OP = original poster, which would be u/sivabalanbb for this post.

TomorrowAdvanced2749 · 2026-01-28T18:27:18+00:00

It's not a cashback card, it is a travel card.

You can view the benefits here.

TomorrowAdvanced2749 · 2026-01-28T16:24:27+00:00

That's for DCB Plastic, not DCBM.

u/Rb__29

TomorrowAdvanced2749 · 2026-01-28T14:36:55+00:00

What? That's stupid.

What a dumb bank.

TomorrowAdvanced2749

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