Citibank — illegal payment for credit card.

Address:Pune, Maharashtra, 411014

Hello,
I have a citi bank rewards credit card. While taking the card i was told that no amc will be charged for this. After receivng the card, in tnc it was said that i will be charged rs 500 for it. I asked them to cancel the card. They said first year is free and second year onwards after taking my permission whether i want to continue and if my spending limit is not exceeding rs 30, 000 they will charge me. I did not get any communication plus they charged me rs 1000. When i called them they said it is a fair charge and they can not do anything about it.
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First they keep calling you for credit card application through multiple phone numbers, once I submitted my documents then I receive application rejected as it does not meet our internal policy criteria? and then again they keep calling you to apply, I had got a call from XYZ bank and approved withing 5 days. my cibil score is above 800.

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