ICICI Bank — processing fee

Address:

Thane, Maharashtra, 401501

I have made a purchase of 10999 from flipkart. I was intending to convert to EMI while processing on Flipkart. The payment processing, was fast and the OTP got auto detected before I could react and convert it into EMI. I have decided to convert it into EMI via phone banking and convert into EMi. I have been charged Rs.280 extra as processing fee. Why is this processing fee charged for me. On Flipkart site it states that my EMI would be 1290 for 9montgs including 13% interest, but now I am asked to pay 1548+GST in first and then 1392 later months.
Why is this extra processing fee of 300?????????