[Resolved]  State Bank of India Credit Cards — refund received from freecharge on 21-3-19 forfeited unreasonably by the credit card department

I had a refund of rs.116.60 as wallet transfer for my closed freecharge account to my card ending 5918 which was surrendered on 9-10-18 but the credit was showing in my card statement. When i requested for the transfer of the same to my another card account the helpline refused but said that it could be transferred to my savings bank account for which details were already furnished by me but later the credit card people made an excuse after my rigorous follow up that the amount was reversed in may/june since there were some charges reversed in 2013. Can a credit card desk ever allow continuance of the card unless the payments are cleared and moreover the card was surrendered in oct. 2018 after settlement of all dues. How can then there be reversal of charges of 6 years back (Which i know never accrued anytime and if they accrued then how can the credit card desk recover after waiving them off and that too for a closed card account).
I had requested freecharge to transfer my wallet amount to my bank account but it refused saying that the refund could be processed only to the source account and nowhere else. I kept on checking my accounts but could not find the refund for more than a month. Somehow i ventured into my old card account and found the proceeds there and following up rigorously but this bank is bent on eating away my small amount on baseless pretexts-the sbi bank is said to be the biggest public sector bank of india but see the deeds - it wants to earn money by unfair means. I had written to the banking ombudsman and nodal officer, customer service head but all are not talking logically. However i am going to write to rbi from website as suggested by the banking ombudsman in a day or two if sbi credit card does not refund my money to my bank account.