Kotak Mahindra Bank — credit card not received and due amount sms received

Address:

Mumbai City, Maharashtra, 400104

Surprised to see that even without acceptance of kotak credit card application that was sent to me on mail, card have been issued on my name. Furthermore card was not received but sms of due amount got on mobile.

1. How card can be activated even if it is not received.
2. False information given by credit card sales executive that there will be no charges for the card.

Kindly do not let your reputation down in the banking sector