HDFC Bank — credit card annual fees

I received a call from a person from hdfc who applied for my credit card.
I was given the information that first year membership will be waived off and the card will be sent to me at my current mailing address (Hyderabad). After considering all the information being provided to me, i decided to go with the issue of a new credit card. After fifteen days i received a call from a courier agent that he is standing outside of my permanent address (Patna). Few days later i received yet another call that the card has been sent to my home branch and will have to collect from there or update my mailing address by visiting the same branch otherwise the card was going to be returned back to chennai (Both of the options given to me were so illogical and not at all viable due to the current pandemic) so the card returned to chennai. A few days ago i received an email saying that i have an unpaid bill on my credit card which was for membership fees. I called the same person who had issued my credit card but he said that he cannot help me in any possible way. After that i called the customer care number who said they are going to waive off the card charges which they did but there was a catch. Now in order to avail the same amount i have to spend money through the issued card within the current billing cycle, the same card which is with hdfc right now. So how am i supposed to do that. The due date is today (10/7/2020) so i paid the said amount. The total amount due was 590 which included 500 membership fee along with 90 rupees of gst for a card which i still don't have in my possession and for which i was told there won't be fees for the initial year and on top of all this 500 rupees refund which i can only avail if spent more money (Nice scheme hdfc bank is running).
The matter here is not about 90 rupees and not even about 590 rupees but of two things:
1) fairness which i think hdfc has a clear cut policy to rip off their customers every time they think they can.

2) and about the current information which i wasn't provided in clear terms now when hdfc want me to pay, suddenly there are new terms and conditions