State Bank Of India [SBI] — Sbi credit card refund of payment dishonour fees

The due date of SBI credit card for March month was 12th April 2023. Before due date on 11th April 2023 I cleared all the payment still without any notice SBI credit card debited Rs.500 from my account by the name PAYMENT DISHONOUR FEES. Though I submitted credit card bill before due date SBI bank charged me 500 rupees amount. When I called on customer care service centre for refund, the authorities told me that " Your sbi credit card is new and you should continue your card for 6months to get a refund of payment dishonour fees. And you selected auto debit option so if you're doing payment on your own then you should do payment 4 - 5 days before due date " If due date mentioned is 12th April 2023 and I cleared bill on 11th April 2023 then how could bank charged me payment dishonour fees. With proof I cleared fees before due date still fees has been charged and I can't even get a refund back. This is clearly a fraud from authorised nationalized bank where we think that our money is safe. I want to raise a complaint against this Credit card payment dishonour fees and I request consumer complaint board to help me get refund. Thank you. Below I attached proof of payment before due date