Card KYC process

[Shinnok]

I'm looking for a card which has preferably online KYC - can anyone suggest based on experience recently?

Was planning to get either of these cards
- EazyDiner Signature
- HSBC Live+
- HDFC Swiggy (got LTF offer in app, but heard this has a lot of offline KYC problems)

Mainly looking for card which just has vKYC process similar to Amex (basic video KYC, no further hassles)

All the above cards have approx same ROI (already have EazyDiner Prime/Swiggy One via Amex, mainly looking for saving on dining 1-2 times a month/delivery, approx same max cashback (1-1.5k) for all cards)

To add, don't have any existing/previous accounts/cards with either bank, CIBIL was 801 about a month ago, currently have salary income (> 25L per year)

 

[helloworld]

All of them have vKYC option, but didn't understand your requirement exactly here but if its related to no physical presense of agent to your home, thats depends on your luck and how bank treats your profile. sometimes no verification needed, sometimes verification needed.

So, pick a card and apply follow the process.

 

[Mr. BeanMr. Bean is verified member.]

All of them have vKYC option, but didn't understand your requirement exactly here but if its related to no physical presense of agent to your home, thats depends on your luck and how bank treats your profile. sometimes no verification needed, sometimes verification needed.

So, pick a card and apply follow the process.

💯

To add to what's already said by helloworld, if a bank does physical verification (of home / work), you'll usually get a call. At that time, just make up a story for your unavailability (or for the lack of interest to do physical KYC), ask them to decline your application, if they wish. You don't loose anything except a CIBIL hit that won't make much difference in the long run.

 

[imdjay]

In those three, I will suggest to go for ED signature. I don't know how you're comparing the ROI, in my perspective, ED signature is far better than the other two if you can dine out.

 

[lijov]

Generally nowadays offline kyc happens only if ekyc fails. Unless banks are looking for physical verification. Try both ED signature and HSBC live+ cards.

 

[Shinnok]

Finally went with Swiggy (LTF + higher cashback limit, plus I don't dine out much)

The process was quite painless - requested on app and completed vKyc yesterday, and got virtual card in a few hours, did not need to do physical KYC