Debit Card AMC (Annual Maintenance Charge) in 2026

Updated on: 9 Feb 2026

If you’ve ever received a notification about ATM card AMC charges and wondered what exactly they are, you’re in the right place. AMC or Annual Maintenance Charges are fees banks levy to cover the costs of managing your debit card, including customer support, fraud protection, and infrastructure maintenance. Some banks offer free debit cards with no AMC, but many others charge annually, depending on the card’s features and privileges.

This space explains AMC charges meaning, how these charges work, which cards usually have AMC and share tips and tricks to avoid paying unnecessary fees.

What are Annual Maintenance Charges for ATM Card?

As mentioned, it means the annual charges levied by the bank to maintain your debit card as well as other related services. These charges are not fixed and vary across all banks. Whether you have to pay high charges or not also depends on the type of debit card you have.

For example, one bank may charge ₹100 for a standard debit card but ₹150 for upgraded cards. Generally, these charges are mentioned on the bank’s website for you to review before opening the bank account. However, you can also confirm the cost at the bank with a representative while choosing your card. There are some banks that waive their ATM card AMC charges for the first year or even for a lifetime.

How is Debit Card or ATM Card AMC Calculated?

Banks decide all the fees and charges at their discretion based on the services they offer. Annual debit card charges are one such fee, which depends on whether you have a standard or value-added card.

Also Read: Auto Debit Facility

ATM AMC Charges for Top Banks

Here’s an overview of some of the top bank’s annual maintenance charges levied on ATM cards:

Bank	ATM card AMC
State Bank of India	From ₹200 up to ₹425 + GST applicable from second year
Axis Bank	From ₹150 up to ₹1,500 + GST
HDFC Bank	From ₹150 up to ₹850 + GST
ICICI Bank	From ₹599 up to ₹4,999 + GST
Union Bank of India	From ₹200 up to ₹400 + GST
IndusInd Bank	From ₹499 up to ₹10,000 + GST
Punjab National Bank	From ₹150 up to ₹750 + GST

Disclaimer: The above ATM AMC charges are subject to change at the bank’s discretion.

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How to Pay ATM Card AMC?

Most banks auto-debit this fee along with other annual charges from your bank account. This is a convenient way to ensure your card stays active for your usage. If your bank does not auto-debit this, you can pay ATM pending AMC using UPI through the mobile or net banking option.

Also Read: Credit Card Vs Debit Card

How to Avoid AMC Charges on ATM Cards?

Below listed are a few key tips to avoid AMC charges on an ATM card:

Choose banks that offer debit cards with no Annual Maintenance Charges (AMC), especially digital or basic savings accounts.

Grab zero-AMC cards during bank promos—often around festivals or new customer drives.

Many salary or premium accounts come with free debit cards and waived AMCs.

Banks may still charge for:

Exceeding free ATM transactions

Card replacement

Issuance fees (in some cases)

Review your bank’s schedule of charges regularly to avoid hidden fees.

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FAQs on ATM Card AMC

What are the charges for AMC?

AMC stands for annual maintenance charges and financial institutions levy this for various purposes. For instance, AMC is applicable on a debit card as well as on a demat account. These charges vary depending on the financial institution and are levied annually.