✅ Basic KYC Requirements for Credit Cards

1️⃣ Identity Proof (Who you are)

Any ONE of these is usually accepted:

• Aadhaar Card
• PAN Card (mandatory for credit cards)
• Passport
• Voter ID
• Driving Licence

👉 PAN is compulsory because credit cards involve credit reporting and tax compliance.

---

2️⃣ Address Proof (Where you live)

Accepted documents include:

• Aadhaar Card
• Utility bill (electricity, gas, water — recent)
• Passport
• Rental agreement
• Bank statement with address

👉 Address must match your application details.

---

3️⃣ Income Proof (Your repayment capacity)

This is what makes credit cards different from debit cards.

For salaried persons:

• Salary slips (last 3 months)
• Bank statement showing salary
• Form 16

For self-employed:

• ITR (Income Tax Return)
• Business proof
• Bank statements

👉 Some entry-level cards may skip income proof if you have strong bank history.

---

4️⃣ Photo & Signature Verification

Banks verify:

• Your photo
• Signature
• Mobile number
• Email ID

This may be done digitally or via video KYC.

---

✅ Types of KYC Methods Used Today

🟢 eKYC (Aadhaar-based digital verification)

• OTP verification
• Fast approval
• No physical visit required

🟡 Video KYC

• Live video call with bank officer
• Show ID on camera
• Answer basic questions

🔵 Physical KYC

• Bank representative visits your address
• Document verification