Questions on HSBC Credit card application process

[Joltpost]

I applied for HSBC Live+ After the frustration reaction that my SBI Cashback application got declined the third time in a row.

So the questions I have is

1. Why is the HSBC card application longer than most other banks? The rep said that it could take 21 working days to complete the application process and that there are other verification proccesses due(I wonder what that means)

2. I get that HSBC is not really an Indian bank as it is based on Hong Kong Shangai(also from British I believe) How safe is it to get a credit card from them? Like are they reputable enough that there's no fraud or sorts?

3. Assuming I get the HSBC Live+ approved, How do I change the transaction limits, generate pin, change billing date and pay the card bill? When does CB get credited upon statement generation?

4. Does HSBC Live+ Support tap and pay for Google Pay and Samsung Pay?

 

[saber.mbt]

1. Why Does HSBC Card Application Take Longer?

HSBC's credit card application process can take up to 21 working days because HSBC follows stricter due diligence, especially compared to many Indian banks.

Extra verification processes may include:

Detailed address and workplace verification (sometimes with physical or telephonic checks).

KYC (Know Your Customer) checks as per global standards.

Sometimes, HSBC coordinates with third-party agencies for background/credit checks.

Foreign-owned banks like HSBC often have more layers of scrutiny to prevent fraud and comply with both Indian and international regulations.

2. Is HSBC Safe and Reputable in India?

HSBC has operated in India for over 150 years and is heavily regulated by the Reserve Bank of India (RBI).

It is fully safe and reputable:

Card issuance, billing, and customer service are subject to Indian banking laws.

Fraud incidence is no higher than other top Indian private banks.

The global backing can sometimes mean even better security protocols.

3. Managing Your HSBC Live+ Card (Once Approved)
Change transaction limits: Via HSBC India Mobile Banking app or netbanking (look under 'Manage Cards').

Generate/change PIN:

Use the HSBC Mobile app or phone banking.

ATMs can also be used for PIN change.

Change billing date:

Normally fixed, but HSBC customer care can sometimes help you shift your cycle if you request after activation.

Pay card bill:

NetBanking (any bank), UPI, NEFT/IMPS, bill desk, auto-debit setup, or HSBC app.

Cashback credit (CB):

Cashback is usually credited within a few days after the monthly statement is generated, typically by the next billing cycle.

Customer support is helpful for any of these operations they have both app/chat and phone support.

4. Tap and Pay (Google Pay, Samsung Pay Support)

HSBC Live+ does support Tap & Pay via NFC for contactless payments.

As of mid-2025, it is compatible with Samsung Pay and Google Pay for device-based payments—just add your card in their apps.

Contactless payments also work directly via your physical card (look for the WiFi symbol on the card).

 

[plastikman]

1. Why Does HSBC Card Application Take Longer?

HSBC's credit card application process can take up to 21 working days because HSBC follows stricter due diligence, especially compared to many Indian banks.

Extra verification processes may include:

Detailed address and workplace verification (sometimes with physical or telephonic checks).

KYC (Know Your Customer) checks as per global standards.

Sometimes, HSBC coordinates with third-party agencies for background/credit checks.

Foreign-owned banks like HSBC often have more layers of scrutiny to prevent fraud and comply with both Indian and international regulations.

2. Is HSBC Safe and Reputable in India?

HSBC has operated in India for over 150 years and is heavily regulated by the Reserve Bank of India (RBI).

It is fully safe and reputable:

Card issuance, billing, and customer service are subject to Indian banking laws.

Fraud incidence is no higher than other top Indian private banks.

The global backing can sometimes mean even better security protocols.

3. Managing Your HSBC Live+ Card (Once Approved)
Change transaction limits: Via HSBC India Mobile Banking app or netbanking (look under 'Manage Cards').

Generate/change PIN:

Use the HSBC Mobile app or phone banking.

ATMs can also be used for PIN change.

Change billing date:

Normally fixed, but HSBC customer care can sometimes help you shift your cycle if you request after activation.

Pay card bill:

NetBanking (any bank), UPI, NEFT/IMPS, bill desk, auto-debit setup, or HSBC app.

Cashback credit (CB):

Cashback is usually credited within a few days after the monthly statement is generated, typically by the next billing cycle.

Customer support is helpful for any of these operations they have both app/chat and phone support.

4. Tap and Pay (Google Pay, Samsung Pay Support)

HSBC Live+ does support Tap & Pay via NFC for contactless payments.

As of mid-2025, it is compatible with Samsung Pay and Google Pay for device-based payments—just add your card in their apps.

Contactless payments also work directly via your physical card (look for the WiFi symbol on the card).

Not Samsung Pay only Google Pay thought

 

[Joltpost]

Not Samsung Pay only Google Pay thought

Have you tried it from your end?

 

[Guddi]

I applied for HSBC Live+ After the frustration reaction that my SBI Cashback application got declined the third time in a row.

So the questions I have is

1. Why is the HSBC card application longer than most other banks? The rep said that it could take 21 working days to complete the application process and that there are other verification proccesses due(I wonder what that means)

2. I get that HSBC is not really an Indian bank as it is based on Hong Kong Shangai(also from British I believe) How safe is it to get a credit card from them? Like are they reputable enough that there's no fraud or sorts?

3. Assuming I get the HSBC Live+ approved, How do I change the transaction limits, generate pin, change billing date and pay the card bill? When does CB get credited upon statement generation?

4. Does HSBC Live+ Support tap and pay for Google Pay and Samsung Pay?

CB is credited within 2-3 days of statement generation

 

[plastikman]

Have you tried it from your end?

Yes, it isn't supported

Have you tried it from your end?

 

[AjaxS]

Not Necessary. The process is equally long for existing customers too. They need same set of documents even for existing customers. Their process is poorly defined. Amex is also a foreign bank but the process is better defined and much faster.

1. Why Does HSBC Card Application Take Longer?

HSBC's credit card application process can take up to 21 working days because HSBC follows stricter due diligence, especially compared to many Indian banks.

Extra verification processes may include:

Detailed address and workplace verification (sometimes with physical or telephonic checks).

KYC (Know Your Customer) checks as per global standards.

Sometimes, HSBC coordinates with third-party agencies for background/credit checks.

Foreign-owned banks like HSBC often have more layers of scrutiny to prevent fraud and comply with both Indian and international regulations.

 

[AjaxS]

2. I get that HSBC is not really an Indian bank as it is based on Hong Kong Shangai(also from British I believe) How safe is it to get a credit card from them? Like are they reputable enough that there's no fraud or sorts?

HSBC is no longer a HK based bank, but moved to London quite sometime back. Safe? yes. Fraud? Not at our level. Their security systems are quite robust given that they are quite experienced in cleaning up money and know all the tricks of the trade.