The most common and most likely answer to this crossword clue is the 5 plus 4 letter word BASIC RATE
I've seen this crossword clue in Independent
B
A
S
I
C
R
A
T
E
Buddy explains!
The straight part
We know that "no more than your civic duty" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case no more than your civic duty = basic rate.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.