Salary Plan:
If you're on the Salary plan (which includes Infinite/Prime benefits), there are no AMC charges. AMC is fully waived, regardless of whether you have a virtual or physical debit card.
Salary Basic Plan:
If you're on the Salary Basic plan:
No AMC is charged if you only have a virtual card.
An AMC of ₹199 + GST is applicable if you have a physical card and it is active on the anniversary of your virtual card issuance or last virtual card replacement.
However, this charge will not apply if your total spends in the 12 months before the anniversary date are ₹25,000 or more. If your spends are less than ₹25,000, the AMC will be charged and later reversed to your account.
