Vijaya Bank — charges recovered without information and in the guise of rbi norms without proper information to customers

Address: Bangalore, Karnataka, 560060

I am customer of vijaya bank is town no. Ending 14615
Bank staff took a form from me for updating mobile no.
And in this guise they have debited following charges
Sms banking charges
Atm card hotlisting charges
Atm card replacement charges

When u ask they say it's as per rbi norms
My existing card validity was till 2020
These people don't inform upfront about charges and after debiting charges they say as per rbi norms
Rbi has mandated to issue chip cards as a security measure freely for existing customers, whereas these people recover charges for that and blame it on rbi

When existing card validity is till 2020
How come they can make replacement with charges recovery???

Cheating...