Cash Withdrawal Cost

Withdrawing cash from an ATM using your credit card triggers immediate interest and heavy fees. Calculate the true penalty.

Cash Withdrawn at ATM

Days Until Repayment

Interest starts on Day 1. There is NO interest-free period for cash advances.

Monthly Interest Rate (%)

Fee %

Min Fee (₹)

Extra Cost of Withdrawal

₹997

This is the total penalty (Fees + Interest + GST) you will pay for accessing your credit limit as cash.

Cash Advance Fee

One-time Flat Fee₹500

18% GST₹90

Total Fee₹590

Daily Interest Cost

Interest for 20 days₹345

18% GST on Interest₹62

Total Interest₹407

You must repay

To completely clear the cash advance debt off your card.

Financial Danger Warning

No Grace Period: Unlike regular swipe purchases, cash withdrawals start accumulating interest from the very minute you collect the cash from the ATM.
Loss of Reward Points: Cash withdrawals do not earn any reward points, cashback, or milestone benefits.
Credit Score Hit: Frequent cash advances signals financial distress to credit bureaus and can negatively impact your CIBIL score.

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