Effective from July 2008, interest-free period for retail transactions will be 20 days from statement date ONLY IF all retail transactions of the previous month are fully paid by the payment due date.
This means, if you make partial payment, minimum payment or do not make payment on or before the payment due date, FINANCE CHARGES will be imposed from the day the transaction is posted to the card account.
So clear all your outstanding balances by converting it to EPP and enjoy 0% interest for your regular retail transactions hereon.