I got My Axis bank credit card in the year 2012. I use Axis Bank My choice credit card.
There are very benefits of using this card if used wisely. following are its major benefits
1) It gives me 5% cash back on shopping in malls
2) It Gives me 5% cash bank on petrol pump
3) I get 45 days to repay the payment so I can use credit card money for almost one and half month
4) Very Good Customer care service
The trouble starts only if you are not able to pay the bill on time. A delay in bill costs a high-interest rate, so to avoid it one must be aware to pay bills on time
Its a good option for a credit card. No problem at all in using it