Axis Bank — As per rbi guidelines overlimit facility not activeted but they charged me

I have a flipkart axis bank credit card i make rent payment with this using through cred app 4990+gst&service charges total rs[protected] in this my credt limit is 5100 i think it's ok but the bank also rent charged me gst 9.14+ rent transaction fee 50.78 that way they charged me over limit fees rs500+gst 90rs
they are saying that they saying charged changed they infomred me email but i don't received that type mail
for a small ammont below 20rs
"as per rbi guidelines overlimit facility not activeted by me without " but the bank how enables without my permission iam not received any type of otp for overlimit facility transaction only now about doing a transaction of rupees 5078 but the bank charged me overlimit fees without my permission please resolve the issue ass soon as possible refund my amount deducted as cheap way of fraud
registered mobile number: [protected]
email : [protected]@gmail.Com