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KNOW YOUR CUSTOMER (KYC) DOCUMENTS REQUIRED FOR YOUR CARD APPLICATION/KYC REFRESH (PERIODIC UPDATION)/ADDRESS CHANGE REQUESTS

 

 

     

 

KNOW YOUR CUSTOMER (KYC) DOCUMENTS REQUIRED FOR YOUR CARD APPLICATION

 

1. What are the KYC documents required to apply for a Credit/Charge Card? 

 

Following are the list of KYC documents to be furnished at the time of credit/charge card application:

a. PAN Card (copy to be submitted preferably for verification purposes). In case you are not eligible for PAN, please furnish a copy of Form 60.

b. One Recent Passport size Photograph.

c. Please submit any one of the following copy of an Officially Valid Document (OVD)1:   

  1. Passport First page and last page where address is mentioned.   
  2. Driving License front and back copy (Driving license issued after 2012 for Delhi & 2011 for Maharashtra is not acceptable). 
  3. Voter ID
  4. Proof of possession of Aadhaar (Mask first 8 digits of the Aadhaar number)
  5. Job Card issued by NREGA duly signed by an office of the state government.
  6. Letter from the national population register, containing details of name and address.

 

Note: A document shall be deemed to be an Officially Valid Document (OVD) even if there is a change in the name subsequent to its issuance provided it is supported by a marriage certificate issued by the State Government or Gazette notification, indicating such a change of name.

 

In case of foreign nationals - the documents issued by the Government departments of foreign jurisdictions and letter issued by the Foreign Embassy or Mission in India shall be accepted as proof of address.

 

Please note that in case the OVD furnished does not contain updated address, the following documents shall be deemed to be OVDs for the limited purpose of proof of address: - 

 

  1. Utility bill which is not more than two months old of any service provider (electricity, telephone, post-paid mobile phone, piped gas, water bill). 
  2. Property or Municipal tax receipt. 
  3. Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public-Sector Undertakings, if they contain the address. 
  4. Letter of allotment of accommodation from employer issued by State Government or Central Government Departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies and leave and license agreements with such employers allotting official accommodation.

 

Note: In the above scenario, please submit OVD updated with current address within a period of three months of submitting the above documents.

 

 

2. What are the documents to be given as 'proof of identity' and 'proof of address' by me? 

 

 'Proof of identity' and 'proof of address' has now termed “Officially Valid Document”. Please  refer point number 1 above for complete details. 

 

 

3.  If I am currently staying in Chennai but my address proof shows my address of New Delhi, can I still apply for Credit Card in Chennai? 

 

Applicant can apply for the Credit/Charge Card, by submitting above mentioned OVD for the current address.  

 

4.  Why do banks require OVD? 

 

In order to provide Proof of Identity and Address, Bank requires these Officially Valid  Documents as mandated by RBI. 

 

 

 

 KNOW YOUR CUSTOMER (KYC) DOCUMENTS REQUIRED FOR PERIODIC UPDATION

 

5.  What are the KYC documents required for KYC Refresh (Periodic Updation)?

 

 A certified copy of the PAN/Form 60 and any one Officially Valid Document (OVD) containing current residence address is required for Basic as well for all Supplementary Card Account(s).

Please submit any one of the following copy of an Officially Valid Document (OVD)1:

  1.  Passport: First page and last page where address is mentioned.
  2.  Driving License: Front and back copy (Driving license which explicitly states it cannot be used for address proof should not be submitted for address proof).
  3.  Voter's Identity Card issued by the Election Commission of India.
  4.  Proof of possession of Aadhaar Number (Please mask the first 8 digits).
  5.  Job Card issued by NREGA, duly signed by the officer of the State Government.
  6.   Letter issued by the National Population Register containing details of name and address.

 

Note: A document shall be deemed to be an Officially Valid Document (OVD) even if there is a change in the name after its issuance provided it is supported by a marriage certificate issued by the State Government or Gazette notification, indicating such a change of name.

 

In case of foreign nationals - the documents issued by the Government departments of foreign jurisdictions and letter issued by the Foreign Embassy or Mission in India shall be accepted as proof of address.

 

6. Why are these documents required?

 

In order to be compliant with ‘Know your Customer’ (KYC) guidelines mandated by Reserve Bank of India (RBI/DBR/2015-16/18 DBR. AML.BC. No. 81 /14.01.001/2015-16), we are required to update our records periodically.

 

7. Can I submit utility bills, bank statements, etc. that reflect my current address as proof of address?   

 

Under the RBI mandate guidelines, there is list of documents which are acceptable as an Officially Valid Document (OVD) for proof of Current Residential address. An Officially Valid Document (OVD) is a mandatory requirement for making any change to a Current Residential address.

You can submit any one of the following Officially Valid Document (OVD)

  1. Passport: First page and last page where address is mentioned.
  2. Driving License: Front and back copy (Driving license which explicitly states it cannot be used for address proof should not be submitted for address proof).
  3. Voter's Identity Card issued by the Election Commission of India.
  4. Copy of Aadhar card (Please mask the first 8 digits).
  5. Job Card issued by NREGA, duly signed by the officer of the State Government.
  6. Letter issued by the National Population Register containing details of name and address.

 

8. How do I submit the required documents?

 

You can upload the self-attested copy of your documents to our secured website at americanexpress.com/in/docupload.  

*The document should be in TIF, TIFF, TIFF Multipage, JPEG, BMP, GIF or PNG format. Document size should not exceed 10 MB. 

To upload the document, you’ll be required to provide a reference number which you can find in our email communication sent to you from americanexpress@welcome.aexp.com. You may search for the email with the keyword as “Please submit KYC documents”.

For more details/any queries, please contact us at 1800 180 1188 or +91 1242801188, Monday to Friday, 8:30 am to 5:00 pm.

 

   KNOW YOUR CUSTOMER (KYC) DOCUMENTS REQUIRED FOR ADDRESS CHANGE 

 

6. What are the KYC documents required for Address Change requests?

 

 Certified copy of any one Officially Valid Document (OVD) containing current address will be required for all address change requests.

 Please find below the list of acceptable documents:

  1.  Passport: First page and last page where address is mentioned.
  2.  Driving License: Front and back copy (Driving license which explicitly states it cannot be used for address proof should not be submitted for address proof).
  3.  Voter's Identity Card issued by the Election Commission of India.
  4.  Proof of possession of Aadhaar Number (Please mask the first 8 digits).
  5.  Job Card issued by NREGA, duly signed by the officer of the State Government.
  6.  Letter issued by the National Population Register containing details of name and address.

 

Note:  In case of a name change in any Officially Valid Document post its issuance, a marriage certificate issued by the State Government or Gazette notification is a mandatory requirement.

 

In case of foreign nationals - the documents issued by the Government departments of foreign jurisdictions and letter issued by the Foreign Embassy or Mission in India shall be accepted as proof of address.

 

 

7.  If I would like to change/update my correspondence address to my office address, will I be required to submit an Officially Valid Document (OVD)?

 

An Officially Valid Document will not be required for updating an office address. The Card member can call the helpline number at back of the card for the same. 

 

 

8.  If I do not have any Officially Valid Document (OVD) containing current address, can I submit any other alternate documents?

 

As per the RBI Master Directions, an Officially Valid Document (OVD) is a mandatory requirement for making any change to the Current Residential address.

Please submit any one of the following Officially Valid Document (OVD)1:

  1. Passport: First page and last page where address is mentioned.
  2. Driving License: Front and back copy (Driving license which explicitly states it cannot be used for address proof should not be submitted for address proof).
  3. Voter's Identity Card issued by the Election Commission of India.
  4. Proof of possession of Aadhaar Number (Please mask the first 8 digits).
  5. Job Card issued by NREGA, duly signed by the officer of the State Government.
  6. Letter issued by the National Population Register containing details of name and address.

 

 

9. Can I submit Utility Bills, Bank Statements, etc. with current address for an address change request?

 

As per the RBI Master Directions, an Officially Valid Document (OVD) is a mandatory requirement for making any change to the Current Residential address.

Please submit any one of the following Officially Valid Document (OVD)1:

  1. Passport: First page and last page where address is mentioned.
  2. Driving License: Front and back copy (Driving license which explicitly states it cannot be used for address proof should not be submitted for address proof).
  3. Voter's Identity Card issued by the Election Commission of India.
  4. Proof of possession of Aadhaar Number (Please mask the first 8 digits).
  5. Job Card issued by NREGA, duly signed by the officer of the State Government.
  6. Letter issued by the National Population Register containing details of name and address.

 

 

10. How do I submit the required documents?

 

You may send the certified copy of the Officially Valid Document (OVD) from your registered email ID to addresschange@aexp.com

 

 OR

 

You can also share the Officially Valid Document (OVD) via post/courier to:

 

American Express Banking Corp. DLF Cyber City,

DLF Building No - 8, Tower - C,

DLF City Phase – II, Gurgaon – 122002

 

 

11. What is the time taken for the Address to be updated? 

 

During to the Current COVID-19 situation, a maximum of 30 Business Days from the date of receipt of Officially Valid Document (OVD) will be taken to update the Current Residential Address on File. Address Change Confirmation will be sent if the OVD submitted meets the Regulatory Requirements and the current address is updated.

 

For any further clarifications please contact American Express at 1800 180 1188 or +91 1242801188, Monday to Friday, 8:30 am to 5:00 pm.

 

KNOW YOUR CUSTOMER (KYC) DOCUMENTS REQUIRED FOR CURRENT ADDRESS COLLECTION

 

1. Why are these documents required?

 

You previously provided us with provisional documents (residence address proof) which are valid only for a period of 3 months from the date of approval for your Card. To ensure compliance as per RBI Mandate DBR.AML.BC.No.81/14.01.001/2015-16, you will need to submit your current residence address proof by providing a self-attested copy of any one of the Officially Valid Documents.

 

2. What type of documents can I submit to provide proof of my current address?

 

A self-attested copy of any one of the acceptable Officially Valid Document (OVD) listed below containing your current residence address is required.

  1. Passport: First page and last page where address is mentioned.
  2. Driving License: Front and back copy (Driving license which explicitly states it cannot be used for address proof should not be submitted for address proof).
  3. Voter's Identity Card issued by the Election Commission of India.
  4. Copy of Aadhar card (Please mask the first 8 digits).  Job Card issued by NREGA, duly signed by the officer of the State Government.
  5. Letter issued by the National Population Register containing details of name and address.

 

Note:  In case of a name change in any Officially Valid Document post its issuance, a marriage certificate issued by the State Government or Gazette notification is a mandatory requirement. 

In case of foreign nationals - the documents issued by the Government departments of foreign jurisdictions and letter issued by the Foreign Embassy or Mission in India shall be accepted as proof of address.

 

3. Can I submit utility bills, bank statements, etc. that reflect my current address as proof of address?

 

As per the RBI mandate there is a list of documents which are acceptable as an Officially Valid Document (OVD) for proof of Current Residential address. Please find below the list of the documents:

  1. Passport: First page and last page where address is mentioned.
  2. Driving License: Front and back copy (Driving license which explicitly states it cannot be used for address proof should not be submitted for address proof).
  3. Voter's Identity Card issued by the Election Commission of India.
  4. Copy of Aadhar card (Please mask the first 8 digits).
  5. Job Card issued by NREGA, duly signed by the officer of the State Government.
  6. Letter issued by the National Population Register containing details of name and address.

 

4. How do I submit the required documents?

 

You can upload the self-attested copy of your documents to our secured website at americanexpress.com/in/docupload. This is highly recommended to ensure faster processing. 

* The document should be in TIF, TIFF, TIFF Multipage, JPEG, BMP, GIF or PNG format. Document size should not exceed 10 MB 

To upload the document, you’ll be required to provide a reference number which you can find in our email communication sent to you from americanexpress@welcome.aexp.com. You may search for the email with the keyword as “Please submit KYC documents”. 

For any further clarifications please contact American Express at 1800 180 1188 or +91 1242801188, Monday to Friday, 8:30 am to 5:00 pm.

 

KNOW YOUR CUSTOMER (KYC) DOCUMENTS REQUIRED FOR ADDRESS CHANGE REMEDIATION

 

1. Why are these documents required?

 

Our records indicate that you had requested a change of address between 13th February 2019 and 15th April 2020 for which address proof was not collected.

We therefore request that you kindly share a self-attested copy of any of the accepted Officially Valid Documents (OVD)
for your current residence address. These documents are required to comply with the Reserve Bank of India (RBI) guidelines that mandates Know Your Customer (KYC) documents be maintained for our customers.

 

2. What type of documents am I required to provide as proof of address?

 

A self-attested copy of any one Officially Valid Document (OVD) containing current residence address is required. 

 Please find below the list of acceptable documents:

  1.  Passport: First page and last page where address is mentioned.
  2. Driving License: Front and back copy (Driving license which explicitly states it cannot be used for address proof should not be submitted for address proof).
  3. Voter's Identity Card issued by the Election Commission of India.
  4. Copy of Aadhar card (Please mask the first 8 digits).
  5. Job Card issued by NREGA, duly signed by the officer of the State Government.
  6. Letter issued by the National Population Register containing details of name and address.


Note:  In case of a name change in any Officially Valid Document post its issuance, a marriage certificate issued by the State Government or Gazette notification is a mandatory requirement. 

In case of foreign nationals - the documents issued by the Government departments of foreign jurisdictions and letter issued by the Foreign Embassy or Mission in India shall be accepted as proof of address.

 

3. Can I submit utility bills, bank statements, etc. that reflect my current address as proof of address?

 

As per the RBI Mandate, an Officially Valid Document (OVD) is a mandatory requirement for making any change to the Current Residential address. 

Please submit any one of the following Officially Valid Document (OVD)1:

  1. Passport: First page and last page where address is mentioned.
  2. Driving License: Front and back copy (Driving license which explicitly states it cannot be used for address proof should not be submitted for address proof).
  3. Voter's Identity Card issued by the Election Commission of India.
  4. Copy of Aadhar card (Please mask the first 8 digits).
  5. Job Card issued by NREGA, duly signed by the officer of the State Government.
  6. Letter issued by the National Population Register containing details of name and address.

 

4. How do I submit the required documents?

 

 You may send the self-attested copy of the Officially Valid Document (OVD) from your registered email ID to addresschange@aexp.com

 For any further clarifications please contact American Express at 1800 180 1188 or +91 1242801188, Monday to Friday, 8:30 am to 5:00 pm.

 

 

      

Footnotes:

 

1. An American Express Representative may contact you in order to see and verify the original OVD uploaded by you.