Hello Rama Kanth,
In addition to what Ganpat1956,Karira & Maneesh have suggested, I would suggest you to approach RBI Ombudsman for redressal of your grievance. You can lodge your complain online without going to court.
Here's the link to RBI's Ombudsman Scheme.
Reserve Bank of India.
Also, Credit card Companies very rarely go to court for recovery.
Sidmis