HDFC Bank — Overcharge By Bank

I had HDFC moneyback credit card issued with lifetime free card. But after one year they charge annual fees of 499+18%GST.
when i complaint regarding that they reversed 499 Rs.
I paid remaining GST 90 Rs.
But when i check my reward point they cut 499 reward point which equal to annual fees without my acknowledgement.
So cheap bank.
i had complaint regarding that many times but no reply from their side.