HDFC CC ReKYC is a complete mess!

[yourmemebro]

Hey folks,

I have three HDFC credit cards (Regalia, RuPay, and Swiggy) but no bank account with them. My Regalia was upgraded from a Diners card a few years back, and I had submitted all the required KYC documents back then.

Fast forward to December 2024, HDFC sent me an email asking me to complete ReKYC by 31st March 2025. Soon after, I got a call from their KYC partner, Manipal, and they visited my place for verification. I had recently updated my Aadhaar address, and I provided all the necessary details during the process.

Then, out of nowhere, I started getting ReKYC reminders again—this time with a new deadline of 25th Feb! So, on 18th Feb, I submitted the physical form and documents to the local branch and even emailed them digitally, looping in the Grievance Cell. Despite that, they still went ahead and blocked my card! 🤦‍♂️

When I followed up, the Grievance Cell told me my KYC failed due to an "address mismatch" with Manipal. Like, seriously? I gave them my updated Aadhaar—wasn’t that the whole point of ReKYC?

Anyway, I resubmitted everything, and now they’re rejecting it again, this time citing a "name mismatch" because my credit card only has my first and last name, while my Aadhaar and PAN include my middle name. The funny part? My latest Swiggy card does have my full name, but apparently, they can’t update it across all my cards. 🤡

So, they asked me to submit a name change form again, which I did, along with a self-attested Aadhaar copy. And now? They’ve come back saying my signature doesn’t match! Are they just making up reasons to reject my ReKYC at this point? My signature hasn’t changed one bit!

I just had a call with their senior team, and they’ve assured me that they’re escalating it to the backend team, promising an update by 14th March. But if they throw another BS excuse at me, I’m seriously done. Might as well tell them to F off and put the card into their back 😤

Has anyone else gone through this nonsense? How did you manage to sort it out?

 

[Sobirvs]

When I got my Neu card, it triggered re-KYC. I also didn't have savings acc with them, just 3 cc's. Their partner came after 1 month for re-KYC and it took them 3 months to complete re-KYC lol.

 

[hender]

Hey folks,

I have three HDFC credit cards (Regalia, RuPay, and Swiggy) but no bank account with them. My Regalia was upgraded from a Diners card a few years back, and I had submitted all the required KYC documents back then.

Fast forward to December 2024, HDFC sent me an email asking me to complete ReKYC by 31st March 2025. Soon after, I got a call from their KYC partner, Manipal, and they visited my place for verification. I had recently updated my Aadhaar address, and I provided all the necessary details during the process.

Then, out of nowhere, I started getting ReKYC reminders again—this time with a new deadline of 25th Feb! So, on 18th Feb, I submitted the physical form and documents to the local branch and even emailed them digitally, looping in the Grievance Cell. Despite that, they still went ahead and blocked my card! 🤦‍♂️

When I followed up, the Grievance Cell told me my KYC failed due to an "address mismatch" with Manipal. Like, seriously? I gave them my updated Aadhaar—wasn’t that the whole point of ReKYC?

Anyway, I resubmitted everything, and now they’re rejecting it again, this time citing a "name mismatch" because my credit card only has my first and last name, while my Aadhaar and PAN include my middle name. The funny part? My latest Swiggy card does have my full name, but apparently, they can’t update it across all my cards. 🤡

So, they asked me to submit a name change form again, which I did, along with a self-attested Aadhaar copy. And now? They’ve come back saying my signature doesn’t match! Are they just making up reasons to reject my ReKYC at this point? My signature hasn’t changed one bit!

I just had a call with their senior team, and they’ve assured me that they’re escalating it to the backend team, promising an update by 14th March. But if they throw another BS excuse at me, I’m seriously done. Might as well tell them to F off and put the card into their back 😤

Has anyone else gone through this nonsense? How did you manage to sort it out?

I suggest one thing, take a print out of the rekyc form fill it and attach KYC docs, and send it to Chennai office via regd post.

 

[yourmemebro]

I suggest one thing, take a print out of the rekyc form fill it and attach KYC docs, and send it to Chennai office via regd post.

Already did via the branch, and they sent my docs to the Chennai office. Plus also involved their grievance cell in the email chain, but these buggers keep on rejecting for one or other reasons. And what's more frustrating is that they don't tell you everything at once. They ask you to do something, you do that, then they say now there's another issue, you do something similar again, and the cycle never ends.

 

[yourmemebro]

When I got my Neu card, it triggered re-KYC. I also didn't have savings acc with them, just 3 cc's. Their partner came after 1 month for re-KYC and it took them 3 months to complete re-KYC lol.

Exactly! I don't understand how people are keeping HDFC as their primary bank..

 

[Sobirvs]

Exactly! I don't understand how people are keeping HDFC as their primary bank..

It's better if you do reKYC yourself. May be even try xpressway of HDFC and see if you can do KYC online. I have gotten HDFC bank account now, so they do allow it for saving acc holder. There is a T&C for that too lol, the savings acc should be atleast 6 months old or otherwise again to the branch. Idiots.

 

[yourmemebro]

It's better if you do reKYC yourself. May be even try xpressway of HDFC and see if you can do KYC online. I have gotten HDFC bank account now, so they do allow it for saving acc holder. There is a T&C for that too lol, the savings acc should be atleast 6 months old or otherwise again to the branch. Idiots.

I tried doing it online, but it kept getting rejected due to the data mismatch issue with the bank records. Can't try it anymore since the card got blocked and not showing up in the list. Can you please share more details on the xpressway?

 

[praful47]

At what interval we need to do rekyc ?

 

[Sobirvs]

I tried doing it online, but it kept getting rejected due to the data mismatch issue with the bank records. Can't try it anymore since the card got blocked and not showing up in the list. Can you please share more details on the xpressway?

if the card is blocked xpressway won't work regardless.

 

[Mr. BeanMr. Bean is verified member.]

At what interval we need to do rekyc ?

Direct quote from RBI Master Direction on KYC...

periodic updation shall be carried out at least once in every two years for high-risk customers, once in every eight years for medium risk customers and once in every ten years for low-risk customers from the date of opening of the account / last KYC updation

 

[hender]

At what interval we need to do rekyc ?

At the End 🔚, once the service got blocked,
Or till the time they think , you need to do.
Usually 5-7, years, depending upon the previous KYC docs available at their end and latest changes / amendment in KYC guidelines.

 

[Sobirvs]

At what interval we need to do rekyc ?

no specific timeline. HDFC sends sms automatically when they feel like it or when their systems flags automatically

 

[yourmemebro]

no specific timeline. HDFC sends sms automatically when they feel like it or when their systems flags automatically

And they also change (read prepone) the due date when they feel like it 😉