Air India Express — No full refund is given for the cancelled flight

I booked a ticket from auh to ixe through a credit card. I was unable to travel because air india cancelled the flight. They said full refund will be made to the same card which was used at the time of booking. Thinking that i did not paid to the bank and now the bank has charged me late fee because air india made partial payment only and that too very late.

Below is the travel info.

Pnr: aazpkg
Total cost: aed 1006.06
Refunded amount: aed 702.46
Remaining amount: aed 303.60
Bank charged me late fee plus tax: aed 466.54

Email: [protected]@gmail.com