hdfc bank

I have been using the HDFC Virtual RuPay UPI Credit Card since July 2023, when I had no other RuPay card to use on a daily basis. Later, I got almost six other RuPay cards, both virtual and physical. In July 2024, I observed that the HDFC Bank charged me ₹250 + 18% GST, ₹295 in total, where I...