SBI Credit Card — demanding amount for internal policy (not disclosed by sbi) for lost & blocked credit card which has no due bill

Address:	SBICardKol. SBI Card, 3rd floor, Block A, Apeejay House, 15 Park Street, Kolkata, West Bengal, India - 700 016
Website:	www.sbicard.com

I lost my credit card & blocked it on 28/10/2019 and the had no amount due. But i received a bill of rs.3539 on january'2020. When i contacted sbicard, they told this is charged for their internal policy has to pay. Since then they are have debited total amt of rs.1069 for my sbi savings ac. Still now they are send bill of remaining amount adding the interest.

So, i request to look into the matter and refund the total debited amount immediately.