State Bank Of India [SBI] — rs. 13000 amount still have to paid after full settlement received from sbi credit card itself

Address:

DLF Infinity Towers, Tower C, 10th–12th Floor, Block 2, Building 3, DLF Cyber City, Gurgaon –122002 (Haryana) India, Gurgaon, Haryana, 12202

Sbi credit card executive visit my company for selling sbi credit card, he offer me a card saying
“there will be no monthly or yearly charge on this card”
I said ok, after card was issued to me, i make a purchase a cell phone from flipkart of rs. 23090 on installments, but when my first credit card statement issued, there were rs. 3000 charged as annual charges, i refused to pay the annual charges and after few months i got a call from sbi customer care, stating that “i need to pay only 23431 as a full settlement and after this the card will be blocked”, then i made a one time payment of rs. 24000, and made a request to block the card through sbi card app, after some days and i still received the call from sbi card customer care and sbi legal department that you need to pay rs. 13000 otherwise he will take legal action against me.