If you’re on the Salary Basic plan and were charged an Annual Maintenance Charge (AMC), it’s likely because you have an active physical debit card. 

As per the latest AMC policy, Salary Basic users are charged ₹199 + GST annually if a physical card is active on the anniversary of your virtual card issuance or its last replacement. This charge is waived if your total spends in the 12 months before the anniversary date are ₹25,000 or more. If your spends are below ₹25,000, the AMC will be charged and later reversed to your account.