HDFC Bank Ergo General Insurance — hdfc credit card flight 0 cancellation refund

Address:

Qtr No.2111-C IOCL Paradeep Refinery Township, Zero Point Road, Jagatsinghapur, Odisha, 754141

I booked flight ticket on 26/02/2019 from bbs to del and i cancelled it on 02/03/2019. I took 0 cancellation ptrotection via hdfc credit card offers.
After so many telephonic and mail communication they refuse to give my refund. I use 50 rs gocash plus in goibibo app. While in offers nothing mention that we can not use goibibo gocash or ant wallet offers. So because of 50rs used by wallet they refused to give my 4418rs. Everybody cab check t&c of this offers. This cheater company... I need my refund back.