ADCB Credit Card Cash Withdrawal

What is ADCB Credit Card Cash Withdrawal?

The cash withdrawal benefit on several ADCB credit cards enables you to withdraw cash from ATMs using your credit card up to an authorised limit. You incur several charges upon using this service, including interest charges and transaction fees, with no grace period for repayment. 

ADCB Credit Card Cash Withdrawal Charges

ADCB credit card cash withdrawal transactions are treated as cash advances, attracting fees and interest immediately, unlike regular purchases that may have an interest-free period. This facility is recommended only for short-term or emergency use.

Overall, ADCB credit card cash withdrawal charges are high, making this option costlier than regular purchases. Understanding the ADCB credit card cash withdrawal fees and interest ensures you can use this facility responsibly without incurring unexpected costs.

ADCB Credit Card Cash Withdrawal Limits and Eligibility

ADCB strictly regulates credit card cash withdrawals based on card type, credit profile, and internal risk assessment. These controls are designed to limit financial risk for both the bank and cardholders.

Cash Withdrawal Limits

These limits define how much cash a cardholder can access through ATMs or digital channels.

• Cash Advance Limit: Typically 75%–80% of the total credit limit; select premium cards may allow up to 100%
• Daily ATM Limit: Up to AED 30,000 per transaction at ADCB ATMs, subject to the available cash advance limit
• Cardless Withdrawal: Limited to AED 5,000 per day via the ADCB mobile app

Eligibility Criteria

Eligibility is determined by credit card status, income profile, and residency requirements.

• Account Status: Card must be active and within limit
• Minimum Age: Primary cardholder must be at least 21 years old
• Income Requirement: At least AED 5,000 per month (varies from card to card)
• Residency: UAE nationals and expatriates with a valid Emirates ID and visa are eligible

How to Use ADCB Credit Card Cash Withdrawal at ATMs

In 2026, you can use your physical card or cardless cash for  ADCB credit card cash withdrawal. Both methods are treated as cash advances and attract immediate fees and finance charges.

Method 1: Physical Card Withdrawal

The steps for this method primarily include:

1. Insert the ADCB credit card into an ADCB or international ATM.
2. Enter the registered 4-digit credit card PIN, which can be set via the ADCB Mobile Banking App.
3. Choose the cash withdrawal option from the menu.
4. Choose the amount as per the cap on your card.
5. Confirm Charges

Method 2: Cardless Cash Withdrawal (App-to-ATM)

The steps for this method primarily include:

1. Log in to the ADCB Mobile App and select Cardless Cash Withdrawal.
2. Enter the amount and generate a secure SMS code.
3. Use the code at an ADCB ATM to withdraw cash within 24 hours.

Advantages of Using ADCB Credit Card Cash Withdrawal Facility

The ADCB credit card cash withdrawal facility allows you access to short-term funds during emergencies. All benefits and costs are governed by ADCB’s official terms and Schedule of Fees.

1. Immediate Liquidity: Provides instant cash access without submitting a separate loan application.
2. 24/7 Availability: Enables cash withdrawals at local and international ATMs, subject to network acceptance.
3. Emergency Support: Useful when debit account balances are insufficient or temporarily inaccessible.

Risks Related to ADCB Credit Card Cash Withdrawal

ADCB credit card cash withdrawal is expensive. As per the official Schedule of Fees, this option carries elevated financial risk and can accelerate debt accumulation if used frequently.

1. High Upfront and Recurring Costs

ADCB credit card cash withdrawals are an expensive way to access funds, with fees and interest applied from the first day.

1. Impact on Credit Standing

Regular cash advances may signal financial stress and negatively affect your credit profile. It increases your credit utilisation ratio, potentially lowering scores

1. Loss of Card Benefits

Cash withdrawals offer no rewards or fee-related benefits despite high costs.

• No Rewards: No TouchPoints or cashback earned
• Waiver Exclusion: Withdrawals don’t count toward annual fee waiver spends

When Should You Use ADCB Credit Card Cash Withdrawal?

The ADCB credit card cash withdrawal facility is designed for short-term, urgent cash needs. You should use it less owing to the higher costs compared to other credit options.

1. Emergency Use Only: Consider ADCB credit card cash withdrawal only when urgent financial needs arise and lower-cost alternatives are unavailable.
2. Avoid Routine Spending: Refrain from using this facility for discretionary or regular expenses due to higher fees and interest.
3. Immediate Cash Requirement: Use when instant liquidity is required, and options like personal loans are not feasible.
4. Processing Time Constraints: Prefer ADCB cash advances when other credit instruments involve longer approval timelines.
5. Prompt Repayment: Ensure quick repayment to minimise interest accrual and prevent balance escalation.

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