But there is annual charge for debit card in the new schedule of charges. Although it's mentioned physical now they can anytime charge it on virtual card too and then you can't even close the account because there is a charge of 200 for closure too.Well you never know what offer you might get. Say JIO starts giving cashback on recharging via JPB. Dont close it, it wont cost you anything. Do Rs 1 txn every 6-12 months thats it