Verified 6 Aug
Armaan Tiwari
Asked 16 Mar 2026
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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A Mastercard premium tier card.
I just received my first Axis Bank credit card statement. Can someone explain the key sections — total amount due, minimum due, billing cycle, and grace period?
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
