HSBC — HSBC Credit Card Annual Fees

Dear sir/madam,
I am Anirban Bose, I have been using HSBC credit card ( Card No: [protected]) for the last two years. The card is going to expire this month (i.e. April 2009). I took this card because they said this is a free card, I don't need to pay anything for using this card. But the last statement they sent included a Rs. 700 membership fee and Rs. 72.10 service tax. When I called up their customer care they said this is not a free card so I have to pay the amount.
I need your help to come out from this problem. Don't know why do these banks give unnecessary bluffs to general public.
Thanks & regards,
Anirban Bose
Kolkata, West Bengal, India
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