Is HSBC Live+ Card worth having?

1. No cashback on following categories: Fuel related (MCC 5541, 5983, 5172, 5542, 5552), e-wallets (MCC 6540), payment of property management fees, rental commissions, rental payments or any such payments made through MCCs 6513, 7012, 7349, business to business transactions made through MCCs 7399, 7311, 7372, 5045, 5047, 5065, 5072, 5111, 5013, 2741, 5137, 5192, 5193, 5131, 7361, 5085, 7333, 5039, 7379, 5021, 5199, 5122, 5099, 5198, 5139, 7829, 7395, 5051, 5046, 5169, 7375, 5074, 8734, 5044, 2842, 2791, education and government related transactions carried out through MCCs 9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9402, 9211, 9405, 9950, 9223, 8351), insurance (MCC 6300, 5960), jewellery and antique items (MCC 5944, 5094, 5932, 5937), gambling (MCC 7995), tolls and bridge fees (MCC 4784), cash withdrawals, credit repayments, foreign currency, liquid and cryptocurrency assets (MCC 6011, 6010, 6012, 6051), security broker services (MCC 6211), collection agencies (MCC 7322), charity (MCC 8398, 8641), money transfers (MCC 4829), wholesale clubs (MCC5300) and utilities – electric, gas, water and sanitary (MCC 4900).
2. 10% cashback on dining, food delivery and grocery spends is collectively capped at INR1,000 for each billing cycle.

To apply, you must:

• Be aged between 18 to 65 years old
• Have a minimum income of INR400,000 per year for salaried individuals
• Be an Indian resident
• Reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata

Plus also consider the FEES...

Joining fee

INR999

Annual fee (waived if you spend more than INR200,000 per year)

INR999

The front side of the card and the latest credit card statement, if you're already using another credit card, AND

chance for non-salaried too, as C2C application...

(We offer Credit Cards to self-employed applicants who have an existing Savings or Current account with the bank)

If your monthly spends ( on groceries, food delivery apps and offline dining) are around 10k per month then this is the  best card to have.

Even for offline normal spends also, it gives unlimited 1.5% cashback.

didnt HSBC have internal criteria as the following

1) for salaried only? so not for self employed 

(OR)

2) having saving account with them to have their cards?

if not one of the above 2 cases the card wont be issued for you

Thankyou @Agni007 for the inputs! KG+