IDBI Bank — credit card payment is not refund

Sir i using my credit card 30/09/2018 the card number [protected] timing is 9:16 pm the payment is deducted in my card 23962 but not credit in reliance gen. Insu.co i am so many complaints costumer care calls but no solution idbi card team mail me 45 to 180 refund are payment but if i delay the paying outstading bill amountfor 1 day you are charged me 2.5% per month so plz suggest that you are saying me that wait 45 to 180 days so plz confrim hom much intrest your depatment paying me plz sir resolve my problem my complaint number 13763915