We have three types of cards, and the credit cycle for each card is different. 

Standard Card - Credit cycle of 30 days and 5 days of grace period

Booster Card - Credit Cycle of 1 working and no grace period

Cashback Card - No credit cycle or grace period as user needs to topup and use

On credit cycle, we admit that our product is not on par with bank cards. Our cost of capital is higher, and hence we have a shorter credit cycle.