The manner in which the minimum amount due is calculated is based on a certain formula. This is normally a percentage of the expenses that have been made using the card, including cash withdrawals, plus the full amount of the fees, charges, interest, taxes, etc.
For example, if the rate is 5% of the expenses made and the expense figure is Rs 12,000 plus there are fees of Rs 400, then the minimum amount due will be Rs 1,000, that is, 5% of Rs 12000 + Rs 400. This minimum amount figure will thus vary according to the usage of the card, and if one looks at it, this is not very high, so there is no excuse for forgetting or not paying the amount.