Bank cannot chargeback merchant for the refund of order that was cancelled?

I did a transaction through my HDFC UPI rupay CC of 9k and the order was cancelled, but still after a month my refund is pending from merchant, they might be fraud.

I heard that when you pay through CC you can chargeback merchant if you haven't received the products/order but talked with two different Hdfc customer service representative and also my relationship manager and they say nothing as such can be done from the bank to get the refund.