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, effective from July 2025, 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.

There are no spend-based waivers, and the AMC is applied automatically based on your card type and tier on the anniversary date.