For consumer transactions, the period from the bank accounting date to the due repayment date is the interest-free repayment period. The longest interest-free period for Industrial Bank credit cards is 50 days, and the shortest is 20 days.

The length of the interest-free period varies depending on the day when the card is swiped for consumption. The longest interest-free period can be enjoyed for purchases made one day after the billing date. This is a general rule, and so on for consumption at other times. The interest-free period starts from the card swiping date to the due repayment date, if the card swiping date is on the bill date or the next day. The transaction will be recorded in the bill on the next billing day, and the payment will be made before the next payment due date, so the interest-free period will be 50 days.