Hey @SoumyadeepPaty
Welcome to the Niyo Community! 
Great question! 
For SBM accounts, the AMC is ₹423 + GST, and it does get waived when you maintain an AMB of ₹5,000 in your savings account or through a Fixed Deposit during the 3 months before your account anniversary. 
As for whether this applies to DCB Bank debit cards, please allow us some time to check this with the concerned team. We’ll get back to you with the correct information soon. 
