Recently my sbi simplyclick card has expired, so they sent me a new card, I had spend around 65k in old card which closed in June and got replaced card, now after statment generation they didn't combined spend of old card and showing only spending in the new card, I had spend 25k in the new card, but in this month statement they charged me annual fees. I thought if they didn't combined the spend then annual fees will be charged in next year, but they charged in this year itself, I have an emi running in the card 3 emi left, now how can I get fee reversal ? I contacted them via call, they denied and said if total commultated txn meets 1lac criteria then fee will automatically get reversed in 10 days, if not then they will not reverse the charges, now what can i do ? I spent around 90k in both the cards.