I applied for the SBI card 10th April. As you mentioned the process was smooth involving the online kyc (I think via DigiLocker) and by net banking debit. But the application went on hold for few days till a person came to my home last Friday. He triggered some process through his mobile and I got a sms and mail for e-signature. The process was completed in 5 minutes. There was no photo taken or biometric verification. I got the virtual in another few minutes, it is usable right away. I am now waiting for the physical card to arrive. There was no verification done in the office address. I feel it trumps any other verification process including that of Amex.