Credit Card Cash Withdrawal Fee Calculator
Calculate exact charges, interest & GST before withdrawing cash from your credit card
⚠️ Important Warning
Credit card cash withdrawals are extremely expensive! You pay cash advance fees + high interest + GST. Avoid unless absolutely necessary. Consider alternatives like UPI, debit cards, or personal loans.
Understanding Credit Card Cash Withdrawal Charges
Here's what you pay when you withdraw cash using your credit card:
1. Cash Advance Fee
Usually 2.5% of withdrawal amount
Minimum ₹500 per transaction
2. Interest Charges
High daily interest ~3.5% monthly
Starts from withdrawal date
3. GST (18%)
GST on both fees & interest
Additional 18% tax burden
💡 Example: Withdrawing ₹10,000 for 30 days
You could pay an extra ₹1,500 - ₹2,000 in charges!
Calculate for Popular Credit Cards
Click on your card to see specific withdrawal charges
SBI IRCTC Credit Card
State Bank of India
Fee: 2.5% (min ₹500)
Interest: 3.5% monthly
HDFC Regalia Credit Card
HDFC Bank
Fee: 3.5% (min ₹500)
Interest: 3.49% monthly
Axis Bank Ace Credit Card
Axis Bank
Fee: 2.5% (min ₹500)
Interest: 3.6% monthly
ICICI Amazon Pay Credit Card
ICICI Bank
Fee: 2.5% (min ₹500)
Interest: 3.5% monthly
Kotak 811 Credit Card
Kotak Mahindra Bank
Fee: 2.5% (min ₹500)
Interest: 3.49% monthly
SBI Cashback Credit Card
State Bank of India
Fee: 2.5% (min ₹500)
Interest: 3.5% monthly
HDFC Millennia Credit Card
HDFC Bank
Fee: 2.5% (min ₹500)
Interest: 3.49% monthly
Axis Bank Flipkart Credit Card
Axis Bank
Fee: 2.5% (min ₹500)
Interest: 3.6% monthly
Avoid Expensive Cash Withdrawals
Learn better alternatives and money-saving tips to avoid high credit card cash withdrawal charges
Learn Money-Saving Tips