All credit cards have an interest-free period. Interest-free period refers to the buffer period of customer repayment after the credit card balance is zero (or the balance in the card is less than the commodity price), which generally means that you will have this interest-free period after consumption.

Ping An Bank's credit card can enjoy an interest-free period of 20-50 days, and there is no need to borrow cash in advance (the number of days varies according to the number of days spent). There is no interest-free period for cash withdrawal, and the final repayment date of each bill is 18 days after the bill date.

For example, your monthly billing date is the 3rd, and the final repayment date is the 20th of each month. If you spend between the 3rd of the current month and the last repayment date of the next bill, it is an interest-free period.