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.
AMC of ₹199 + GST is charged if you have a physical card and it's active on the anniversary of your virtual card issuance or last virtual card replacement.
There are no spend-based waivers for Salary Basic. The AMC depends only on your card type (digital or physical) and tier on the anniversary date.
