This paper presents a compact CPW fed circularly polarized AMC integrated monopole antenna with low SAR and high gain for 2.4 GHz WBAN applications. The proposed design is achieved through a four-stage progression. Stage-1 consists of a straight monopole with an extended vertical stub at one of the ground planes to generate circular polarization. In Stage-2, a novel 3 × 3 ring-type isotropic AMC is implemented beneath the monopole antenna to mitigate the antenna's back radiations towards the human body. On the body at '0' mm distance, it reduces the SAR by 99.47% and increases the impedance bandwidth, radiation efficiency, and gain to 480 MHz, 77%, and 7.1 dBi, respectively. However, there is a decrease in AR bandwidth that indicates AR > 3-dB, which is compensated in Stage-3 by optimizing the monopole. The optimization results in an AR BW of 190 MHz and a size reduction of monopole antenna by 30.862%. Due to the size reduction of monopole with same AMC, the SAR reduction and peak gain are improved to 99.63% and 7.4 dBi, respectively. In Stage-4, the 3× 3 AMC is replaced by 2 × 2 AMC, resulting in the total size and SAR reduction of 55.56% and 97.72%, respectively. Stage-4 provides a simulated impedance bandwidth of 350 MHz, peak gain of 6.4 dBi and AR bandwidth of 170 MHz, whereas the fabricated structure on felt substrate provides 650 MHz, 6.5 dBi, and 150 MHz, respectively.