HDFC Bank — Credit Card statement - Moratorium Interest changes added in card account-9707

Hello,
Name : THIRUGNANAM N
Mobile #:[protected]
Card number : 4893 - ****-****-9707

I have checked the credit card transactions on the hdfc netbanking website, it shows Morat Interests and GST taxes ( Rs.851.52 and Rs.153.27) are debited from my card account on 29/12/2020.

Please find the screenshots for the communications.
they were not ready to revert this charges.also i called the customer care about this issue, they said for Smart EMI, they levy simple interest charges now, but they didn't do any communication before that.
As per the supreme court direction, there is moratorium interest to be levied for the moratorium period and also central has approved this also.
so they will not levy any interest during this moratorium period.

I don't know, what is the process instructed to banks by RBI? so ultimately public are impacted this due to corrona. they will never help for people even during this corrona hard times.what is stupid banking process in india?