State Bank Of India [SBI] — deduction of rs. 496/- as premium policy from royal sundaram

It is to state that I am using SBI credit card since last one year. I also a sum of Rs. 483/- as premium policy from Royal Sundaram for one year. But in the current year I desired to discontinue it and registered a complaint request on 14th Jan. 2018 to discontinue it under Request Ref No.[protected]. Despite that a sum of Rs. 496/- deducted against that premium from my credit card. It seems that SBI tied with Royal Sundaram and forcibly recover such amount which is against the norms. This amount may be reversed immediately otherwise I shall be compelled to use the said credit card. Further no such bill will be paid. Why this policy should be taken which involved at his own without any consent of the customer.