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Leisure banking card is a debit-credit-in-one card. On top of the functions of a debit card such as multi-currency deposits, customized inter-account transfer, security investment custody, direct fund investment, the card also enjoys credit line, regular grace period and rewarding point benefits for all POS spending like a credit card. The credit lines are given according to the amount of deposit in the debit account. Grace period varies from 60 days for platinum cards to 50 days for gold cards, 40 days for silver cards and 30 days for plain cards.