Does the interest-free period apply to cash withdrawals?

No, interest on cash advances starts accruing from the day of withdrawal, unlike purchases, which usually get an interest-free period if the previous balance is paid in full.

Is the cash advance fee a one-time charge or recurring?

It is a one-time fee charged at the time of withdrawal, separate from the ongoing interest that accrues until the amount is repaid.

Are there any credit cards that don't charge a cash advance fee?

This is rare and usually not advertised as a standard feature. Most cards charge this fee regardless of tier.

Fees & Charges · हिन्दी

Cash advance fee

A cash advance fee is charged when you withdraw cash using your credit card, whether from an ATM or over the counter. It is typically 2.5–3% of the withdrawn amount, subject to a minimum charge (often around ₹500), and is separate from the interest that starts accruing immediately, unlike regular purchases, cash advances get no interest-free period at all. Because of this, cash withdrawals are generally the most expensive way to use a credit card.

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Fees & Charges

Cash advance fee

Frequently asked questions