Credit Card Cash Withdrawal: Credit card ke baare mein sabhi jaante hain, lekin kya aapko pata hai ki isse ek din mein kitna cash nikaal sakte hain? Ye jaan kar aap hairaan reh jayenge! Debit card se ATM se paise nikalna aasan hai, par credit card se cash nikalna thoda alag aur mahanga hai. Is article mein hum batayenge ki credit card se cash withdrawal kaise kaam karta hai, iski limit kya hai, charges kitne lagte hain, aur isse kyun avoid karna chahiye.
Credit Card Se Cash Nikalna Kya Hai?
Credit card se cash nikalna ek tarah ka chhota loan hota hai. Aap ATM ya bank se paise nikaalte hain, jo aapke credit limit ka hissa hota hai. Ye debit card ki tarah aapke account se directly nahi kat-ta, balki aapke credit card ke bill mein jud jata hai. Lekin debit card se alag, ispe pehle din se hi interest lagta hai aur saath mein fees bhi. Jyaadatar bank iski limit 20-40% credit limit tak rakhte hain.
Ek Din Mein Kitna Cash Nikal Sakte Hain?
Credit card se cash withdrawal ki limit bank aur card ke type par depend karti hai. Aam taur par:
Daily Limit: 20-40% credit limit. Yani, agar aapka credit limit ₹1 lakh hai, to aap ₹20,000 se ₹40,000 tak nikaal sakte hain.
Transaction Limit: Ek baar mein ₹10,000 se ₹20,000 tak.
Bank-Wise Examples:
HDFC Bank: 20-40% limit, daily ₹50,000-₹1 lakh (card ke hisaab se).
ICICI Bank: 20-40% limit, daily ₹20,000-₹50,000.
SBI: 20-40% limit, daily ₹15,000-₹50,000.
Bank of India (RuPay): Daily ₹15,000 tak.
Axis/Canara Bank: Daily ₹20,000-₹1 lakh tak.
Aap apne bank ke app ya customer care se exact limit check kar sakte hain. Ye facility emergency ke liye hai, na ki rozana use ke liye.
Cash Withdrawal Par Kitne Charges Lagte Hain?
Credit card se cash nikalna sasta nahi hai. Iske charges kuch is tarah hote hain:
Cash Advance Fee: Nikali gayi rakkam ka 2.5-3.5% ya minimum ₹300-₹500.
Interest: Pehle din se 2.5-3.9% monthly (yaani 30-45% yearly). Isme koi grace period nahi hota.
ATM Fee: Agar doosre bank ka ATM use kiya, to ₹20-₹50 extra.
Example: Agar aap ₹20,000 nikaalte hain, to:
Cash advance fee: ₹500 (2.5%).
Interest (1 month): ₹500-₹800.
Total: ₹21,000-₹21,300 (ek mahine ke liye).
Ye charges aapke bill mein add ho jate hain, aur agar payment late hua, to aur interest lagta hai.
Credit Card Se Cash Nikalne Ke Fayde
Turant Paise: Emergency mein ATM ya bank se cash mil jata hai.
No Documentation: Credit card hai to turant use kar sakte hain.
Rewards: Kuch cards par cash withdrawal pe thode rewards points milte hain (par usually kam).
Credit Card Se Cash Nikalne Ke Nuksaan
Mahanga: Fees aur interest ke wajah se paise doob sakte hain.
Credit Score Par Asar: Baar-baar cash nikalne se credit score kharab ho sakta hai.
No Grace Period: Debit card ki tarah free nahi hota.
Kam Rewards: Cash withdrawal par rewards points kam ya nahi milte.
In Baaton Ka Dhyan Rakhein
Agar aap credit card se cash nikalne ka soch rahe hain, to ye savdhaniyan zaroor barten:
Emergency Mein Hi Use Karein: Rozana use ke liye debit card ya UPI better hai.
Jaldi Chukayein: Bill aate hi poora payment kar dein, warna interest badhta jayega.
Limit Check Karein: Bank app se cash advance limit check karein.
Alternatives Dekhein: Debit card, UPI, ya personal loan sasta ho sakta hai.
Security: Apna PIN safe rakhein, hacking se bachein.
Read more: – 22 Lakh PNB Personal Loan EMI Kitni Bane? Salary Criteria Ka Super Easy Calculation!
Conclusion
Credit card se cash nikalna ek emergency option hai, par ye kaafi mahanga sauda hai. Aap 20-40% credit limit (₹20,000-₹1 lakh) tak ek din mein nikaal sakte hain, lekin 2.5-3.5% fees aur 30-45% yearly interest ke saath. Isse bachta hai to behtar hai, warna karz ka jaal ban sakta hai. Debit card ya savings account ka use karna hamesha safe aur sasta hai.
Note: Ye article sirf general information ke liye hai. Apne bank se specific details confirm karein.
FAQs
Q1. Kya credit card se ATM par cash nikaala ja sakta hai?
Haan, jyaadatar bank 20-40% credit limit tak cash withdrawal ki facility dete hain.
Q2. Ek din mein credit card se kitna cash nikaal sakte hain?
Bank aur card par depend karta hai, usually ₹20,000 se ₹1 lakh tak.
Q3. Credit card cash withdrawal par kitna charge lagta hai?
2.5-3.5% cash advance fee aur 30-45% yearly interest.
Q4. Kya credit card se cash nikalna safe hai?
Safe hai, lekin mahanga. Emergency mein hi use karein.
Q5. Kya cash withdrawal se credit score par asar padta hai?
Haan, baar-baar cash nikalne se credit score par negative effect ho sakta hai.
