Credit card video KYC and verification calls: how to prepare
Many banks complete card KYC through a video call and verify details by phone. Learn what happens, how to prepare and how to spot fake verification calls.
After applying for a credit card, many customers receive a link for video KYC or a phone call to verify details. Missing or failing these steps is a common reason applications stall. Here's how to help customers prepare, and stay safe.
What video KYC involves
A bank representative connects with the customer over a video call through the bank's official link or app. The customer may be asked to:
- Show their original PAN card
- Confirm their name, address and other details
- Stay visible on camera for a photo capture
- Sometimes sign on paper and show it
The call usually takes a few minutes.
How to prepare
- Keep the original PAN card and Aadhaar details handy.
- Sit in good lighting with a plain background.
- Use a stable internet connection.
- Choose a quiet place.
- Join from the official link sent by the bank.
Verification calls
Some banks call to confirm employment, address or application details. Customers should keep their phone available for a few days after applying and answer calls politely.
Safety: genuine vs fake calls
Fraudsters sometimes pretend to be bank staff "completing KYC". Genuine banks:
- Do not ask for OTPs to "complete verification" over a call
- Do not ask for card PINs, CVV or net banking passwords
- Send video KYC links through official channels related to the application
If in doubt, the customer should hang up and contact the bank through its official number or app.
Common reasons video KYC fails
- Poor lighting or unclear face
- Showing a photocopy instead of the original PAN
- Network disruption
- Details that don't match the application
What partners should do
- Send a short preparation message after the customer applies.
- Remind them to complete video KYC promptly; links may expire.
- Never join or attend the call on their behalf.
Questions customers ask
"Can I do video KYC later?"
Usually there's a window to complete it. Doing it soon avoids the application expiring.
"Is it safe to show my PAN on video?"
On the bank's official video KYC platform, yes. Never show documents on calls from unknown numbers.
"Do I need to dress formally?"
No, but the face should be clearly visible without caps or sunglasses.
Key points to remember
- Video KYC confirms identity on an official bank platform.
- Original PAN, good light and stable internet are essential.
- Verification calls may follow; keep the phone available.
- Genuine banks never ask for OTPs, PINs or CVV on calls.
- Complete the step promptly to avoid expiry.
Summary
A few minutes of preparation helps customers pass video KYC smoothly and keeps them safe from fraudsters posing as banks. Combine this with the documents checklist.
A short preparation message to send
"The bank may send a video KYC link after you apply. Please do it soon, in good light, with your original PAN card. Only use the link from the bank's official message or app, and never share OTPs with anyone who calls."
Accessibility tips
For elderly applicants or those with hearing difficulties, a family member can help set up the device and sit nearby, but the applicant must answer and appear personally. Banks are generally patient if the customer explains their needs at the start of the call.
Frequently asked questions
How long does credit card video KYC take?
Usually a few minutes, if documents are ready and the connection is stable.
What if I miss the verification call?
The bank usually tries again or sends a message. The customer can also contact official support.
This article is general information, not financial, legal or tax advice. Earn MUFAD is not a bank, broker, lender or insurer. Earnings depend on approved results under each campaign's terms; there is no guaranteed income.