Applied for the card on Thursday evening. VKYC was done within half an hour.
Yesterday Bank sent someone for Physical verification. but the guy didn't come, instead, he called me and told me to share the house photo, and asked for some additional information related to family and house type, etc on WhatsApp. The application is still in process. The Kiwi app banner says 'Bank is reviewing your KYC details'.
They are doing physical verification even for a Virtual co-branded card. Meanwhile, got my Amex MRCC which was also applied on Thursday without any verification, and is already on the way.