RBL Bank — rbl bajaj finserv credit card r shield premium applied without consent!

I, Hiren satra was told by the bajaj finserv credit card with the limit of 35000. And was told that annual fee of Rs. 999 will be waived of for the 1st year and in the bill, there is R-Sheild insurance premium which was never purchased by me as i already have insurance of bajaj finserv it self for all my cards, i never gave consent for the credit card insurance premium and how can they charge such without consent. I want solution how so ever for the same!