RBL Bank credit cards offer great convenience for shopping, bill payments, and online transactions. But did you know you can also withdraw cash from ATMs using your RBL credit card? While this feature can be a lifesaver in emergencies, it comes with specific fees and charges you should be aware of. RBL Credit Card Cash Withdrawal Charges include a cash advance fee and interest, which can quickly add up if not repaid promptly. Understanding these costs will help you manage your credit card more wisely and avoid unnecessary expenses. In this guide, we’ll explain the cash withdrawal process, applicable fees, and tips to reduce charges.
Interest Rates on RBL Credit Card Cash Withdrawal
When you use your RBL credit card to withdraw cash, the bank charges interest from the day of withdrawal until the day you repay the amount in full. Unlike regular credit card purchases, there is no interest-free period on cash advances.
The interest rate on RBL credit card cash withdrawal typically ranges between 3% to 3.5% per month (36% to 42% annually), depending on the type of card you hold. For example, if you withdraw ₹10,000, you could be paying around ₹300 to ₹350 every month in interest until the amount is fully cleared.
This means the longer you delay repayment, the higher the cost becomes. To avoid heavy interest charges, it’s best to repay the withdrawn amount as soon as possible—ideally within a few days.
Key points to remember:
- No grace period for cash withdrawals.
- Interest is calculated daily from the date of transaction.
- Higher interest compared to normal card purchas
Daily Cash Withdrawal Limit for RBL Credit Cards 2025
The daily cash withdrawal limit on RBL credit cards determines how much cash you can take out from an ATM in a single day. This limit is set by RBL Bank and varies depending on the type of credit card you own, your credit limit, and your usage history.
Generally, RBL Bank allows you to withdraw up to 40% to 50% of your total credit limit as cash. For example, if your card’s credit limit is ₹1,00,000, you may be able to withdraw ₹40,000 to ₹50,000 in a day. However, the exact amount will be mentioned in your credit card welcome kit or can be checked through RBL’s mobile banking app or customer care.
Important things to note about the daily cash withdrawal limit:
- The limit is inclusive of all ATMs combined (domestic & international).
- Exceeding the limit is not allowed, even if you have unused credit.
- The limit may be revised based on your repayment history and bank’s discretion.
Knowing your daily limit helps you plan your withdrawals better and avoid transaction declines.
Other Charges Related to RBL Credit Card Cash Withdrawal 2025
When you use your RBL credit card to withdraw cash from an ATM, you don’t just pay the interest and cash advance fee. There are a few more charges that can apply, which can make the transaction costlier.
1. ATM Usage Fee: If you use certain ATMs, especially abroad, you might have to pay an extra ATM fee in addition to the regular cash advance fee.
2. Late Payment Fee: If you don’t pay back the withdrawn amount on time, you’ll have to pay a late payment fee along with the interest.
3. Overlimit Fee: If your withdrawal pushes your total spending over your credit limit, the bank will charge an overlimit fee.
4. Foreign Transaction Fee: When withdrawing cash outside India, you’ll be charged a foreign currency fee (around 3.5% of the amount) plus currency conversion charges.
5. GST on All Fees: GST is added to all the charges and interest, which increases the total amount you have to pay.
Tip: Use cash withdrawal only when it’s urgent and try to repay it quickly to avoid high extra costs.
How to Avoid High RBL Credit Card Cash Withdrawal Charges
Withdrawing cash using your RBL credit card can be expensive if you’re not careful. Here are some smart tips to help you avoid paying high charges:
1. Avoid Cash Withdrawals Unless It’s Urgent: Use your credit card for purchases instead of cash withdrawals. Cash advances start attracting interest from the very first day, so they can get costly fast.
2. Repay the Amount Quickly: If you must withdraw cash, try to pay it back as soon as possible. This reduces the interest you’ll have to pay.
3. Keep Track of Your Credit Limit: Going over your credit limit while withdrawing cash can lead to extra overlimit fees. Always check your available limit before making a withdrawal.
4. Use Your Bank’s ATM: Whenever possible, withdraw cash from an RBL Bank ATM to avoid extra ATM usage fees.
5. Plan Your Finances in Advance: Keep some emergency funds in a savings account. This way, you can avoid cash withdrawals altogether and save money on charges.
6. Watch Out for Foreign Withdrawals: If you’re travelling abroad, remember that cash withdrawals from international ATMs come with high foreign transaction fees. Use them only when absolutely necessary.
Bottom Line: The best way to avoid high RBL credit card cash withdrawal charges is to treat your credit card as a payment tool, not as a source of instant cash.
RBL Credit Card Cash Withdrawal Process 2025
RBL Bank allows you to withdraw cash from your credit card through ATMs, but it’s important to know the right steps and the costs involved. Here’s how you can do it:
1. Check Your Cash Limit: Not all of your credit limit is available for cash withdrawals. Log in to RBL’s mobile app, internet banking, or check your monthly statement to know your available cash limit.
2. Visit an ATM: Go to any RBL Bank ATM or a partner bank’s ATM. Using an RBL ATM may save you some extra usage charges.
3. Insert Your RBL Credit Card: Place your card in the ATM machine and choose your preferred language.
4. Select “Cash Withdrawal”: From the menu, choose the option for Cash Withdrawal or Credit Card Withdrawal.
5. Enter the Amount: Type in the amount you want to withdraw, ensuring it’s within your available cash limit.
6. Enter Your PIN: Enter your 4-digit RBL credit card PIN to authorize the transaction.
7. Collect Cash and Receipt: Once the transaction is approved, collect your cash and the printed receipt for your records.
Important Points to Remember
- Interest charges start from the day of withdrawal, unlike purchases that have an interest-free period.
- Cash withdrawals also attract a cash advance fee, usually a percentage of the withdrawn amount.
- To save on costs, repay the withdrawn amount as quickly as possible.
Tip: Treat cash withdrawals as an emergency option only. Using your credit card for purchases is more cost-effective than withdrawing cash.
Alternatives to Credit Card Cash Withdrawals
Withdrawing cash from your credit card can be costly because of high interest rates and extra fees. Instead of using your RBL Credit Card for cash withdrawals, you can explore more affordable alternatives:
- Debit Card ATM Withdrawals – If you have funds in your bank account, use your debit card for ATM withdrawals. It’s free or has minimal charges compared to credit cards.
- UPI Payments – Platforms like Google Pay, PhonePe, and Paytm allow you to make direct payments from your bank account, eliminating the need for cash.
- Bank Transfer from Credit Card – Some banks offer balance transfer or cash advance to your account at lower interest rates compared to ATM withdrawals.
- Personal Loans – If you need a larger sum, personal loans have lower interest rates and longer repayment periods.
- Overdraft Facility – Many banks provide overdraft facilities linked to your savings account, offering instant access to funds at lower costs.
By choosing these options, you can avoid paying high RBL Credit Card cash withdrawal charges while still meeting your urgent cash needs.
How can I use the RBL credit card cash withdrawal charges calculator?
You can use the RBL credit card cash withdrawal charges calculator to estimate how much you’ll pay in fees and interest when withdrawing cash from your credit card.
What are the RBL credit card cash withdrawal charges per month?
RBL credit card cash withdrawal charges per month depend on how much cash you withdraw and the interest rate applied until you repay the amount in full.
What is the RBL Credit Card cash withdrawal limit?
The RBL Credit Card cash withdrawal limit is usually a percentage of your total credit limit, and it varies based on your card type and profile.
Can I withdraw cash from an RBL credit card at an ATM?
Yes, you can withdraw cash from an RBL credit card at an ATM, but you’ll need to pay withdrawal fees and interest from the day of the transaction.
What are the RBL Duet Credit Card cash withdrawal charges?
The RBL Duet Credit Card cash withdrawal charges include a fixed transaction fee plus daily interest until the withdrawn amount is repaid.
What are the RBL Credit Card utility charges per month?
RBL Credit Card utility charges per month apply when you use your card to pay for utility bills like electricity, water, or gas, depending on your card terms.
How to withdraw money from RBL credit card online?
You can withdraw money from an RBL credit card online through services like net banking or mobile banking, if your card supports this feature.
What are the RBL Credit Card fees and charges?
RBL Credit Card fees and charges include annual fees, interest rates, cash withdrawal fees, late payment charges, and other applicable costs.
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