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Introduction: With the growing popularity of credit cards in India, SBI has emerged as one of the leading players in the market. One of the biggest advantages of owning an SBI Credit Card is the ability to withdraw cash instantly. In this article, we will discuss everything you need to know about SBI Credit Card Withdrawals. Step-by-Step Guide to Withdrawing Cash Using Your SBI Credit Card:

Step 1: Locate the nearest SBI ATM. You can use the SBI ATM Locator on the SBI website or on their mobile app to find the nearest ATM.

Step 2: Insert your SBI Credit Card in the ATM machine

Step 3: Select the cash withdrawal option on the ATM screen and enter the amount you wish to withdraw.

Step 4: Enter your 4 digit SBI Credit Card PIN number.

Step 5: Collect the cash and your credit card from the machine.

Things to Keep in Mind :

Withdrawal Limit: The amount you can withdraw using your SBI Credit Card depends on your credit limit, however, there is a specific cash limit available of up to 20% of your overall credit limit.

Cash Withdrawal Fee: SBI levies a fee on cash withdrawals using their credit cards and this fee depends on the amount withdrawn. It is generally a percentage of the withdrawn amount plus a flat rate fee.

Interest Charges: Credit card companies usually charge high-interest rates on cash withdrawals made using their credit cards. SBI also charges interest on the cash withdrawal amount if unpaid on time. Try to repay cash withdrawal amount within the interest-free period to avoid any interest charges on these transactions.

This is a valuable feature for those who need cash urgently but do not have enough balance in their savings account. It's wise to use this feature only when you find yourself in dire need and cannot rely on other payment methods.

Benefits of using SBI Credit Card for cash withdrawals:

Instant access to cash when needed, No need to carry physical cash, No need to transfer money from account, thus saving time, Cardholders can withdraw cash at any SBI ATM in India


SBI Credit Card Withdrawals provide a quick and convenient way to access cash for those who have an SBI Credit Card. It's essential to use the feature wisely to avoid falling into debt traps and managing the payment on time to avoid any late fees or interest charges. Always keep in mind the withdrawal limit, cash withdrawal fees, and interest rate charges to make the best use of this excellent feature provided by SBI.

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