Yes, we have to submit the application form with hard copy proofs at the branch. It is very frustrating. It was long back, so do not recollect the docs, but carry your identification and address proof along with your add-on person's.
I tried Canara gateway as it mentioned 0.47%+GST. But they are cheating people. When I calculated at the final page, it turned out to be 0.99%+GST. I cancelled transaction immediately, as I do not want to transacts using cheater's gateway.
THANKS A LOT for this tip, I was stuck with this vicious VKYC cycle for 1.5 months. I tried your suggestion one day when I had some time, and viola !! it worked !!
I applied on July 15th, having similar harrowing experience. Hopefully I should get it this month. Fingers crossed.
BTW, Congratulations !! Getting this card is like winning a battle. I can empathize :-)