Syndicate Bank — credit card improper charges

Address:

Udupi, Karnataka, 576222

I am having a syndicate bank credit card [protected], i had made a payment of rs.20, 000 by neft on 16th of october 2017 but it was reflected in the on 21-oct-2017 due to which i was charged rs.1464.50 on oct-2017 statement. I had done the neft payment which has been received by our end on the same day ie 16th oct 2017, inspite of that i have been charged with the fine, i accept that i had delayed the payment by 6 days but 1464.50 is to much for 6 days, late payment would be 100 rs with other cards, please justify the same