u/Academic-Sea5997

Do anyone know the exact MCC applicable for Income Tax Payment for India ? Which card is eligible to get rewards on this transaction? I need to make an Income Tax Payment of 2 lakh this year, so your support is highly appreciated.

My current credit card portfolio:

SBI Cashback

SBI Apollo

SBI Card PRIME PhonePe Black

Tata Neu HDFC

Axis Flipkart

HDFC Pixel (LTF)

Amazon Pay ICICI (LTF)

ICICI Sapphiro (LTF)

IDFC Wealth (LTF)

CRED IndusInd Bank RuPay (LTF)

HSBC Live+ (Approved / card processing)

​

Wanted to share my recent HSBC Live+ application experience and see if anyone else has faced something similar.

​

Timeline:

​

• Applied for HSBC Live+

• Completed Video KYC on 1 June

• Received an email from HSBC confirming that my Video KYC was successfully completed

• Application then got stuck at "Employment Email Verification Pending"

• No verification email arrived for several days

• Called customer care multiple times

• Verified that my corporate email ID was correct

• Checked inbox, spam, junk and quarantine folders

• Was repeatedly told to wait because the verification email could not be resent

​

After multiple follow-ups and even an escalation email, I finally received the employment verification email and completed it immediately.

​

A few days later, HSBC representatives were still telling me that the verification was not completed, despite me having already completed it and informed them accordingly.

​

Today, after roughly 17 days of waiting, my application was declined.

​

The reason provided?

​

"VKYC not completed successfully."

​

This is the part that completely confuses me because I have an HSBC email confirming that the Video KYC was successfully completed on 1 June.

​

So now I'm trying to understand:

​

1. Has anyone else received a rejection citing VKYC failure even after receiving a successful VKYC completion email?

2. Is this just a generic rejection reason used by HSBC when there is a backend workflow issue?

3. Is there any point escalating further or should I simply move on?

​

The most frustrating part isn't even the rejection. Banks can reject applications.

​

The frustrating part is spending 17 days following up, receiving contradictory information from different teams, completing every requested step, and then getting a rejection reason that directly conflicts with HSBC's own communication.

​

Would appreciate hearing if anyone has experienced something similar with HSBC Live+.

​

Wanted to share my recent HSBC Live+ application experience and see if anyone else has faced something similar.

​

Timeline:

​

• Applied for HSBC Live+ • Completed Video KYC on 1 June • Received an email from HSBC confirming that my Video KYC was successfully completed • Application then got stuck at "Employment Email Verification Pending" • No verification email arrived for several days • Called customer care multiple times • Verified that my corporate email ID was correct • Checked inbox, spam, junk and quarantine folders • Was repeatedly told to wait because the verification email could not be resent

​

After multiple follow-ups and even an escalation email, I finally received the employment verification email and completed it immediately.

​

A few days later, HSBC representatives were still telling me that the verification was not completed, despite me having already completed it and informed them accordingly.

​

Today, after roughly 17 days of waiting, my application was declined.

​

The reason provided?

​

"VKYC not completed successfully."

​

This is the part that completely confuses me because I have an HSBC email confirming that the Video KYC was successfully completed on 1 June.

​

So now I'm trying to understand:

​

Has anyone else received a rejection citing VKYC failure even after receiving a successful VKYC completion email?

​

Is this just a generic rejection reason used by HSBC when there is a backend workflow issue?

​

Is there any point escalating further or should I simply move on?

​

The most frustrating part isn't even the rejection. Banks can reject applications.

​

The frustrating part is spending 17 days following up, receiving contradictory information from different teams, completing every requested step, and then getting a rejection reason that directly conflicts with HSBC's own communication.

​

Would appreciate hearing if anyone has experienced something similar with HSBC Live+.