# LIC Digital vs HSBC India

LIC Digital and HSBC India both sit at 4.7 stars, but that hides the real split: 50% of HSBC India's written reviews are positive against 26% of LIC Digital's. LIC Digital's advantage is ratings volume (124K vs 1.7K). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.7 for LIC Digital against 4.9 for HSBC India. That said, the two scores are not equally well evidenced: LIC Digital has 124K ratings behind it against 1.7K, so its average is the more settled of the two. Written reviews are what separate them: 26% of LIC Digital's written reviews are positive against 50% of HSBC India's.

LIC Digital ships an update every 5 weeks, HSBC India every 3 weeks. Both last shipped on November 6, 2026.

## The numbers

| Metric | LIC Digital | HSBC India |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (124K ratings)](https://appshunter.io/ios/app/lic-digital/id1324159013/reviews) | **[4.9 (1.7K ratings)](https://appshunter.io/ios/app/hsbc-india/id1449573898/reviews)** |
| Number of ratings | **124K** | 1.7K |
| Positive reviews | 26.5% of reviews | **50.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 100 MB | 804 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Life Insurance Corporation of India](https://appshunter.io/developer/1265071093) | [HSBC Global Services (UK) Limited](https://appshunter.io/developer/1112071557) |

## What reviewers say

### LIC Digital

[App page](https://appshunter.io/ios/app/lic-digital/id1324159013)

Access comprehensive information and services for life insurance policies. Manage your policies, make payments, and find essential resources like office and agent locators. Stay updated with alerts and track your claims and requests.

**Highlights:** View policy details, Online premium payment, Benefit illustration, Policy brochure download, Office and agent locator, Claim status enquiry, Premium calendar

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient one-stop app
- 🔒 Precaution to lock account until payment validation
- 👍 Easy to manage policies and services
- 👍 Friendly user interface

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Unstable app performance
- 🐛 Incomplete/missing features
- 🐛 Compatibility issues across devices
- 🐛 Slow response times

**Reported bugs**

- Unable to login or login issues
- Blank screens and app crashes
- Keyboard issues for entering date of birth
- Payment processing failures
- Inconsistent app behavior

**Requested features**

- Add policy surrender and ECS payment options
- Provide policy status details like surrender value, loan details, etc.
- Implement push notifications for premium due alerts
- Improve UI and user experience
- Ensure seamless cross-device compatibility


### HSBC India

[App page](https://appshunter.io/ios/app/hsbc-india/id1449573898)

Manage your finances securely and conveniently with this banking app. Features include online registration, biometric login, account summaries, digital secure key, and digital account opening. Perform domestic and international money transfers, manage investments, and redeem rewards.

**Highlights:** Online banking registration on mobile, Touch ID / Face ID login, Account summary view, Digital Secure Key, Fully digital account opening, Global money transfers, Mobile Wealth Dashboard, Reward redemption

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent online banking app
- 👍 Great customer service
- 👍 Simple layout and easy to use
- 👍 Seamless user experience
- 👍 Prompt service

**What reviewers complain about**

- 🐛 Limited features and scaling back in India
- 🐛 Worst NRE Relationship Manager
- 🐛 Unable to transfer funds over 2 Lakhs
- 🐛 Can't log in, app not working
- 🐛 Separate app for UPI, not integrated

**Reported bugs**

- Can't log in, app not working
- Broken for last 24 hours
- App no longer works, doesn't show credit card info
- App stopped working on iOS 12
- Unable to download app

**Requested features**

- Provision for recurring money transfer
- All internet banking features in mobile app
- Widget support for quick balance check
- Option to set PIN for add-on cards


## Frequently asked questions

### Is LIC Digital free?

LIC Digital is free to download, with no in-app purchases.

### Is HSBC India free?

HSBC India is free to download, with no in-app purchases.

### Which has better reviews, LIC Digital or HSBC India?

HSBC India is rated higher. LIC Digital averages 4.7 out of 5 from 124K ratings, while HSBC India averages 4.9 from 1.7K ratings.

### Do LIC Digital or HSBC India have ads?

Neither LIC Digital nor HSBC India shows ads.

### Which is updated more often, LIC Digital or HSBC India?

LIC Digital ships an update every 5 weeks, and HSBC India every 3 weeks. Most recently, LIC Digital was updated on November 6, 2026 and HSBC India on November 6, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*