If you don't see any KYC upgrade options on your app, chances are that you haven't yet activated a TenX card.
Your KYC level governs the spending limits tied to your TenX card and not simply the app. The app wallet itself has no limits on sending and withdrawing funds.
Before you activate a TenX card, your KYC level defaults to level 0. Upon activation of a TenX card, your KYC level becomes level 1. It is only after this point that you will see options on the app allowing you to submit KYC documents and increase your KYC level to 2.