HDFC Bank — compliant - credit card related

Address:

Chennai, Tamil Nadu

While creating salary account in HDFC, a credit card has been issued during May 2018 to me and still i didn't activate my card yet and i didn't initiate any smart pay service but i m getting calls/msgs that i have payment overdue.
I got recharge amount as 100 rs for 2 months for my number and i didn't know how i got that amount at that time and now they are telling i have to pay this amount and also fine.

Am not sure y i have to pay for the service which is activated without my knowledge.

Person who issued credit card to me is Ratchagan from Chennai(HDFC bank).

Kindly let me know how to cancel my card and please take action on these kind of issues as it is happened even for my friends.

Kindly take action ASAP.