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Home > FAQs > Know your Customer (KYC) FAQ

Know your Customer (KYC) FAQ

  • Q1. What is KYC?

  • KYC stands for ‘Know your Customer,’ used to identify and verify the identity of customers. It involves making reasonable efforts to determine the true identity and ownership of accounts, source of funds, nature of customer’s business, reasonableness of operations in the account in relation to the customer’s business, etc., which in turn helps institutions manage their risks prudently.

  • Q2. What happens in case you do not furnish KYC documents?

  • As per Reserve Bank of India mandate, all credit card customers are required to comply with ‘Know Your Customer (KYC)’ norms and provide requisite information and documentation periodically. In case you fail to do so, your card may temporarily be deactivated for usage.

    In order to avoid deactivation of your SBI Credit Card, please complete your KYC through DigiLocker in a few simple steps as given below:

    • Step 1 - Visithttps://sbicard.com/kycupload
    • Step 2 - Enter your login credentials
    • Step 3 - Select the credit card due for KYC renewal
    • Step 4 - Upload your recent passport-size photograph
    • Step 5 - Select DigiLocker for KYC submission and follow the instructions displayed on the screen
    • Step 6 - Submit the request

  • Q3. What documents are required for periodic KYC update?

  • We recommend using DigiLocker to complete your KYC in a secure and convenient manner. Pleaseclick herefor detailed instructions on the submission process.

    However, if you wish to submit your request by uploading a copy of your KYC document(s), you may do so by submitting any of the below Current Residence Address proofs. Simply login to our Website or Mobile App and visit the ‘My Account’ section.

    Please read the below instructions carefully.

    List of Document(s)

    Do’s

    Don’ts 

    Passport 

    Upload a clear copy of the first and last page of your Passport bearing your Current Residence Address

    · Do not submit expired documents

    · Do not submit password protected documents

    · Do not submit documents with incomplete residence address

    · Do not submit documents in any format other than jpg, jpeg, pdf, tiff and png.

    · Do not submit documents of any person other than the one for whom the request is submitted

    Copy of Aadhaar / Virtual ID card

    (mask first 8 digits of Aadhaar No)

    If you are submitting Aadhaar - Please submit through our secure and convenient DigiLocker process

     

    If you still choose to submit Aadhaar document, it is highly advisable to submit downloaded copy of “e-Aadhaar” as QR code on the copy of your Aadhaar is required to be validated as per UIDAI guideline. To download latest e-Aadhaar, visit https://ssup.uidai.gov.in/ssup/.

    Hence, please ensure following so that your request gets successfully processed:

     

    · Address on your Aadhaar is matching with your Current Residence Address

    · Provide clear & latest copy only of your Masked Aadhaar

    (To download latest copy of Masked Aadhaar from UIDAI Visit https://ssup.uidai.gov.in/ssup/)

    · Document should not be password protected- To remove password: Give Print command and change printer to “Save as PDF”

    · Validate the QR on your Aadhaar using m-Aadhaar App. Share the copy only if you are able to read the QR through the m-Aadhaar App.

    Voter Id Card

    Upload a clear copy of the front and back of your Voter ID Card bearing your Current Residence Address

    Driving License

    Upload Clear copy of Front and Back side of your DL having your Current Residence Address

     

    Should not be issued in states where it is specifically mentioned on the Driving License that it cannot be used as Residence address proof

    NREGA Card duly signed by an officer of the State Government.

    Upload a clear copy of the front and back of your NREGA Card bearing your Current Residence Address.

    Letter issued by the National Population Register containing details of name and address

    Upload a clear copy of the letter bearing your Name and Current Residence Address.

    For more details click -https://www.sbicard.com/kycupdate

  • Q4. What will happen if you do not provide the required KYC information/documents?

  • We will be entitled to refuse to issue you a card (if you are a prospective customer) or discontinue our relationship with you citing non-provision of KYC information/documents (if you are an existing customer).