HDFC Credit Card Cash Withdrawal Limit

HDFC Credit Card Cash Withdrawal Charges

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What are the HDFC Credit Card Cash Withdrawal Charges?

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Did you know? Not only can you shop worry-free using your HDFC Bank credit card, but you can also use it as a debit card to withdraw cash! Wondering how? Well, the bank assigns a part of your HDFC Bank credit card limit for cash advances should you need it. You can take out funds from this HDFC credit card withdrawal limit to address financial emergencies. However, to avail this service, you are required to pay an HDFC credit card cash withdrawal charge, also known as the cash advance fee.

How Much Does HDFC Bank Charge as Credit Card Cash Advance Fee?

The HDFC credit card cash advance fee is the amount charged by the bank for withdrawing money from your credit card. It is a one-time fee and varies from card to card. It is calculated as a percentage of the total amount withdrawn from the card and usually ranges between 2.5 to 3 per cent. The HDFC credit card cash withdrawal charges are mentioned in the next month’s credit card statement.

It is also important to remember that there is an interest charge on cash withdrawals made on an HDFC credit card. This is the same as the revolving credit charge for individual HDFC Bank credit cards and is levied from the date of withdrawal until the money is repaid in full.

What are the Cash Withdrawal Charges for the Top 5 HDFC Credit Cards?

The HDFC credit card money withdrawal charges and cash advance limit for some of the top cards are:

HDFC Bank Credit Card

HDFC Credit Card Cash Withdrawal Limit

HDFC Credit Card ATM Cash Withdrawal Charges

6E Rewards IndiGo HDFC Bank Credit Card

40% of the credit limit

2.5% of the amount withdrawn or ₹500, whichever is higher

HDFC Bank Business Regalia Credit Card

40% of the credit limit

2.5% of the amount withdrawn or ₹500, whichever is higher

HDFC Bank Business MoneyBack Credit Card

40% of the credit limit

2.5% of the amount withdrawn or ₹500, whichever is higher

HDFC Bank Millennia Credit Card

40% of the credit limit

2.5% of the amount withdrawn or ₹500, whichever is higher

HDFC Bank Diners Club Black Credit Card

40% of the credit limit

2.5% of the amount withdrawn or ₹500, whichever is higher

All the above-mentioned cards charge an interest of 3.6% per month, i.e. 43.2% annually, on cash withdrawals till the amount is paid in full. There is no interest-free period on cash withdrawals made using your HDFC Bank credit card.

Frequently Asked Questions About HDFC Credit Card Cash Withdrawal Charges

  • ✔️What is the charge for cash withdrawal on an HDFC credit card?

    The minimum cash withdrawal charge on HDFC credit cards is 2.5 per cent or ₹500, whichever is higher, for most cards except Insignia.

  • ✔️Can I transfer money from an HDFC credit card to a bank account?

    There is no direct way to transfer money from your HDFC credit card to your bank account. You have to add money from your HDFC credit card to a digital wallet and then transfer the funds to your bank account.