the longest interest-free period is 5 days, and the 18th day after the billing date of such credit cards is the final repayment date.

annual fee-free policy: Puka credit card and Gold credit card are exempted from the annual fee for the following year after swiping for six times, while Platinum card does not enjoy this annual fee.

cash withdrawal fee: 1% of each cash advance transaction amount is charged in China, with a minimum charge of RMB1 yuan/transaction, and 3% of each cash advance transaction amount is charged abroad, with a minimum charge of USD3 yuan/transaction or RMB3 yuan/transaction (whichever is current, regardless of the same city and different places).