[beez]

Hi,

I have an Amex supplementary credit card in my wife's name. Recently, I received several reminders asking to provide KYC documents for the supplementary card. I had provided the documents back in 2019 when I opted for this card; not sure why they want the same documents again!

I logged in to the Amex site to update these information and was slightly puzzled by the mandatory fields to be filled. It was asking her company name, official email address, company address, etc., in addition to the residence details. Is this some sort of a new requirement to provide these details? Mostly I have seen these as optional. If anyone who provided KYC recently can confirm, will be helpful. Thanks in advance.

Planning to call customer service tomorrow or day after.

[itwasntme]

Originally Posted by itwasntme

In the meantime, HDFC is dragging their feet about 'converting' my Regalia Visa to a RuPay card. Will escalate with them. I guess the RBI circular will bite them in the bottom about such biases in favour of Visa and Mastercard.

Escalated to both HDFC Card Services and Grievance Cell on email. Got responses from both that they are looking into it.

If they revert saying that they can issue me any RuPay card from their selection, which one should I opt for? Click on the HDFC icon in the link below.
https://www.rupay.co.in/rupay-credit-card-on-upi

[noopster]

Originally Posted by beez

Hi,

I have an Amex supplementary credit card in my wife's name. Recently, I received several reminders asking to provide KYC documents for the supplementary card. I had provided the documents back in 2019 when I opted for this card; not sure why they want the same documents again!

I had an Amex supplementary card in my wife's name for many years. Last year I changed from gold card to a platinum travel card and they requested a fresh KYC, insisting on a live video call. After a couple of failed attempts, since both my wife and I work and I was travelling at the time, they put the application on hold. I made another attempt but there were some tech issues (it's a fairly convoluted process and multiple points of failure), so I finally gave up.

[Everlearner]

Originally Posted by itwasntme

Escalated to both HDFC Card Services and Grievance Cell on email. Got responses from both that they are looking into it.

If they revert saying that they can issue me any RuPay card from their selection, which one should I opt for? Click on the HDFC icon in the link below.
https://www.rupay.co.in/rupay-credit-card-on-upi

I'm using the co branded HDFC Tata Neu credit card. It gives you 1.5% cashback on all purchases and 5% cashback on bill payments from Neu app.
It works seamlessly for UPI QR code payments as well from paytm app.

[DCEite]

Originally Posted by Everlearner

I'm using the co branded HDFC Tata Neu credit card. It gives you 1.5% cashback on all purchases and 5% cashback on bill payments from Neu app.
It works seamlessly for UPI QR code payments as well from paytm app.

Hey, I have the same card (HDFC Neu RuPay). My question is regarding fuel payments using RuPay UPI via this credit card.

Normally, if we swipe the card directly at POS machine, there are no reward points to be earned at Fuel pumps. But what about UPI payment at petrol pumps using this card ? Does it earn reward points ?

[Everlearner]

Originally Posted by DCEite

Hey, I have the same card (HDFC Neu RuPay). My question is regarding fuel payments using RuPay UPI via this credit card.

Normally, if we swipe the card directly at POS machine, there are no reward points to be earned at Fuel pumps. But what about UPI payment at petrol pumps using this card ? Does it earn reward points ?

I checked the statement. Yes, there are no reward points credited for fuel transaction when we pay via UPI. I think the facility to pay for fuel via credit card without any surcharge in itself is a good benefit though.

[whitewing]

Originally Posted by beez

Hi,
...I had provided the documents back in 2019 when I opted for this card; not sure why they want the same documents again!
....

Had received a similar KYC update request a few months back & is legit - I checked with their call center to make sure this is not another phishing attempt.
However, first time we uploaded the data, they rejected it saying the proofs are not attached! Tried once more and it was approved.

[diablo29]

Originally Posted by beez

Hi,

I have an Amex supplementary credit card in my wife's name. Recently, I received several reminders asking to provide KYC documents for the supplementary card. I had provided the documents back in 2019 when I opted for this card; not sure why they want the same documents again!

I logged in to the Amex site to update these information and was slightly puzzled by the mandatory fields to be filled. It was asking her company name, official email address, company address, etc., in addition to the residence details. Is this some sort of a new requirement to provide these details? Mostly I have seen these as optional. If anyone who provided KYC recently can confirm, will be helpful. Thanks in advance.

Planning to call customer service tomorrow or day after.

This is legit, I have filled it up couple of months ago. In Company Name I have mentioned "Not Employed" and email have entered her personal email ID, the KYC was approved and have received email confirmation on the same from Amex.

[vharihar]

Originally Posted by noopster

I had an Amex supplementary card in my wife's name for many years. Last year I changed from gold card to a platinum travel card and they requested a fresh KYC, insisting on a live video call. After a couple of failed attempts, since both my wife and I work and I was travelling at the time, they put the application on hold. I made another attempt but there were some tech issues (it's a fairly convoluted process and multiple points of failure), so I finally gave up.

IDFC First Bank also did a video-KYC for my mother during her credit card application, something I saw for the first time. Incredibly smooth and flawless process. I feel IDFC First's technology is top notch.

[beez]

Originally Posted by noopster

I had an Amex supplementary card in my wife's name for many years. Last year I changed from gold card to a platinum travel card and they requested a fresh KYC, insisting on a live video call.

Thanks for the response. In our case, we did not change our card. We have a basic membership rewards card and have made no request to change it. Incidentally, she also has an Amex corporate card issued by her company, which she uses only for purchase of research publications needed for her work. I now doubt whether the use of corporate card triggered this KYC. Will call them today to confirm.

[SilentEngine]

Originally Posted by beez

Incidentally, she also has an Amex corporate card issued by her company, which she uses only for purchase of research publications needed for her work. I now doubt whether the use of corporate card triggered this KYC. Will call them today to confirm.

I also received similar emails for asking to update KYC on supplementary card. I think it's a standard process they are following for all supplementary cards. I ignored it for a while and then got a “final reminder” email and also a physical letter posted to my address, and then I uploaded the information few weeks back.

[Fx14]

Reference the last few posts regarding KYC.

KYC is a periodic exercise to be carried out by the banks. The frequency is prescribed by RBI basis the internal risk categorisation of the Bank done for each of their customers.

For low risk customers for example, if there is no change in earlier KYC details furnished, a simple checkbox tick confirming "no change" via Net banking login is sought.

[itwasntme]

Originally Posted by itwasntme

Escalated to both HDFC Card Services and Grievance Cell on email. Got responses from both that they are looking into it.

If they revert saying that they can issue me any RuPay card from their selection, which one should I opt for? Click on the HDFC icon in the link below.
https://www.rupay.co.in/rupay-credit-card-on-upi

Worked. Got the following email:

Apologies, was on very jerky transport!

[itwasntme]

Originally Posted by beez

Hi,

I have an Amex supplementary credit card in my wife's name. Recently, I received several reminders asking to provide KYC documents for the supplementary card.

Originally Posted by noopster

I had an Amex supplementary card in my wife's name for many years. I made another attempt but there were some tech issues (it's a fairly convoluted process and multiple points of failure), so I finally gave up.

Originally Posted by whitewing

Had received a similar KYC update request a few months back & is legit - I checked with their call center to make sure this is not another phishing attempt.

Originally Posted by diablo29

This is legit, I have filled it up couple of months ago.

Originally Posted by beez

Incidentally, she also has an Amex corporate card issued by her company, which she uses only for purchase of research publications needed for her work. I now doubt whether the use of corporate card triggered this KYC. Will call them today to confirm.

Originally Posted by SilentEngine

I also received similar emails for asking to update KYC on supplementary card. I think it's a standard process they are following for all supplementary cards.

Originally Posted by Fx14

For low risk customers for example, if there is no change in earlier KYC details furnished, a simple checkbox tick confirming "no change" via Net banking login is sought.

Amex in India has really struggled over the last few years especially with the Visa, Mastercard and then RuPay networks. The 16 month ban on issuing new cards did not help in any way either.

https://timesofindia.indiatimes.com/...w/93763327.cms

https://www.firstpost.com/explainers...-11110411.html

https://www.reuters.com/article/indi...-idINKBN2CA26T

As a result, they are now OCD about being proactive w.r.t. any new rules or guidance from the Indian government.

KYC intervals from their own site:

https://www.americanexpress.com/in/c...on-of-kyc.html

[rrsteer]

Originally Posted by itwasntme

Worked. Got the following email:

Apologies, was on very jerky transport!

Just curious why didn't you get a virtual Rupay card? I have HDFC Diners card and was looking to get a Rupay card for both UPI payments and to pay small merchant who typically don't accept Diners. At the same time I really didn't want another physical card. Hence got a virtual Rupay card from HDFC and it got activated almost instantaneously.