HDFC Credit Card Cash Withdrawal Charges

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HDFC Bank credit cards come with a number of unique and exciting features that make it a delight to use. One such feature is cash withdrawal. This feature lets you make an instant cash withdrawal, similar to one you make with a debit card. Your withdrawal limit is generally a portion of your total credit limit. Additionally, since a credit card cash withdrawal is technically a loan, there are a few fees and charges associated with it.

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

The HDFC Bank credit card swipe charges include a cash advance fee of 2.5% on the withdrawal amount, or ₹500, whichever is higher. For example, if you withdraw ₹1,00,000, your cash withdrawal fee will come up to ₹2,500. However, if you withdraw a small amount like ₹3,000, your cash withdrawal fee will be ₹500. This is because 2.5% of the withdrawal amount is ₹75.

Interest charges will also be applicable on cash withdrawals. Please note that cash withdrawals will begin accruing interest from the day of the withdrawal. Interest rates charges on cash withdrawals can vary depending on your credit card variant. HDFC Bank’s interest rates range anywhere from 1.99% to 3.49%.

Disclaimer: Please note that all figures mentioned above are subject to change at the discretion of HDFC Bank.

Cash Withdrawal Fees Charged by Some of the Top HDFC Bank Credit Cards

Here’s a list showing some of the top credit cards offered by HDFC Bank and their cash withdrawal charges and limits.

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6E Rewards IndiGo HDFC Bank Credit Card	40% of the credit limit	2.5% of the amount withdrawn or ₹500, whichever is higher
HDFC Bank Business Regalia Credit Card	40% of the credit limit	2.5% of the amount withdrawn or ₹500, whichever is higher
HDFC Bank Business MoneyBack Credit Card	40% of the credit limit	2.5% of the amount withdrawn or ₹500, whichever is higher
HDFC Bank Millennia Credit Card	40% of the credit limit	2.5% of the amount withdrawn or ₹500, whichever is higher
HDFC Bank Diners Club Black Credit Card	40% of the credit limit	2.5% of the amount withdrawn or ₹500, whichever is higher

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The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Resource Centre

Yes, you will be levied a cash withdrawal fee on each cash withdrawal transaction made using your HDFC Bank Credit Card. This fee is 2.5% of your withdrawal amount or ₹500, whichever is higher.

No, you cannot make direct bank transfers using your credit card. However, you can add some money from your credit card account to a wallet account and then transfer this amount.

You will be charged a cash withdrawal fee of 2.5% of withdrawal amount or ₹500, whichever is higher. You’ll also be charged interest from the date of the withdrawal. The rate of interest will generally vary depending on your credit card variant.

Yes, you can make a credit card cash withdrawal at any ATM.

A cash advance fee, or a cash withdrawal fee, is a charge that’s levied on cash withdrawals made using a credit card.