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Credit card terms and conditions include.

• Reward structure: How the cardholder earns and uses reward points 

• Dispute resolution: How disputes are handled, including who makes the final decision 

• Card loss or theft: What to do if the card is lost, stolen, or misused 

• Card termination: How the cardholder can terminate their card membership, and how the bank can restrict or terminate the card 

• Interest rates: The interest rate for the card, including any interest-free credit periods 
• Fees: Any fees associated with the card, including monthly interest rates and fees for cash advances 

Factors that affect the credit period

• Billing cycle length

  The billing cycle length can vary from 27–31 days depending on the card issuer. 

• Grace period

  The grace period can vary from 18–48 days to 25–55 days depending on the payment due date. 

• Pending dues

  If there are any pending dues from the previous month, the grace period will not be applicable. 

• Cash withdrawals

• Cash withdrawals are not eligible for the interest-free period.