Thanks for explaining this, very helpful, got it.
In general it mean that it is e-coin fee, but just mentioned as SMS fee, if i don't use the debit card let's say for 2 months, there will be no sms, but i still have to pay the fee. Soon i will get one debit card just waiting if i win in the e-coin promotion.
if you don't use the card, no monthly fee for such months.
In fact, we want to convince the bank to waive the monthly fee completely, but need to gain some more traction - the more cards issued, the higher the chances that we can get them to remove the fee