# All About Credit Card Cash Withdrawal in UAE - Everyone Should Know **Published:** 2025-02-26T11:07:09.020Z **Updated:** 2026-07-30T16:30:50.654Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/all-about-credit-card-cash-withdrawal-in-uae/ Cash advance from credit card, which is basically cash withdrawal on your card, lets you access cash. You can use this facility to get cash through your credit limit instead of a debit or savings account. Many banks in the UAE offer this service. However, keep in mind that cash withdrawal on a credit card comes with certain rules and regulations. In fact, fees and interest charges may also be applied. ...read more ## Most Popular Credit Card in UAE Salary Range Free for Life ### Cashback Credit Card CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance Minimum Salary:**5,000** Annual Fee:**Free for Life** 5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining Enjoy complimentary airport lounge access to over 25 lounges worldwide. Cashback ### ULTRACASH Mastercard Touch Card Valet ParkingBalance Transfer Facility0% Installment Plans Minimum Salary:**10,000** Annual Fee:**500** Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates 10% cashback on Fuel for the first 3 months and 5% thereafter Reward Points ### TouchPoints Visa Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan Minimum Salary:**25,000** Annual Fee:**1,050** 15,000 Bonus TouchPoints for spends of AED 15,000 VOX Cinemas Buy one get one FREE ## An Overview of Credit Card Cash Withdrawal in UAE Credit card cash withdrawal is a service that you can use to get cash from an ATM or bank counter using your card, not a debit or savings account. This service is available in the UAE only on cards that are enabled for cash advances. Furthermore, you need to enter the correct PIN or banking credentials.  Cash advance from credit cards, unlike regular card purchases, usually doesn’t have a grace period. In plain terms, this means that interest starts accumulating right away from the moment you make the withdrawal. ## How Do Credit Card Cash Withdrawals Work in the UAE? In the UAE, you can get cash advance using credit cards through a series of steps. The procedure is defined as per the bank’s card terms and cash advance rules. Here are the general steps for the same —  1. You, the cardholder, withdraw cash using an ATM or bank counter. You put in the card, type in the PIN or credentials, and choose the cash-advance option. 2. The bank receives the request and hands over the cash. It also adds the amount to the outstanding balance and lowers the available credit limit in the same manner. 3. A cash advance from credit card is considered a short-term loan. Hence, the rules for fees and repayment are different from account withdrawals.  ## Cash Advance Limit vs. Regular Credit Limit The above section resolved the query of those wondering ‘how can I withdraw money from credit card’. Let’s now move a step ahead and understand some key differences.   In the case of cash advances, the limits are different in the UAE. Banks set a limit for cash withdrawals separately — this limit is generally lower and depends on the specific issuer's guidelines.  Here are some points to better understand the cash advance limit vs. regular credit limit differences — 1. Regular cards offer cash advances of around 50% of the total credit limit, although the exact percentage may vary as per the card issuer's policy. 2. Premium or business cards typically have a higher percentage. In fact, some issuers allow you to make withdrawal or cash advance using credit card for up to 75% of the total credit limit. 3. Withdrawals and regular purchases together have the same total credit limit. This means the purchase availability is reduced until the amount, fees, and interest are paid back. ## Interest and Charges on Credit Card Cash Withdrawals in UAE In the UAE, a cash advance or a cash withdrawal on a credit card incurs higher costs than regular transactions. This is because the fees and interest start right away. Thus, it’s necessary to understand these charges and avoid paying high charges. 1. Most banks charged the cash advance fee as a percentage or a fixed minimum amount. The minimum amount is usually around AED 99 or AED 103.95, although it could be higher in some cases. 2. As far as the percentage is concerned, it is commonly 3.15% of the cash withdrawn. 3. Interest rates for cash advance from credit cards are usually high. 4. Rates may be shown as monthly or annual charges in the card terms. 5. Late or partial repayment can lead to penalties, higher interest, and a negative impact on credit score. ## Tips to Minimise Fees and Interest on Credit Card Cash Withdrawals When you withdraw money from credit card, it’s important to know that this service is quite expensive and should be used cautiously. Ideally, you should use it only in emergencies. Here are some tips to help you steer clear of the high charges —  1. Use cash advances strictly for emergencies or essential needs. For instance, you can use the facility if you need cash in an emergency and are not able to access your account. But if you need cash in regular scenarios, it’s better to get it from your own account.  2. Review the card’s terms carefully, including the cash-advance fee, applicable interest rate, and repayment rules. This gives you an idea of the costs before making a cash advance from credit card. 3. Consider lower-cost alternatives such as debit cards, savings, loans, or bank overdrafts (whenever available). 4. Avoid frequent withdrawals, as each transaction carries fees and instant interest that can quickly increase total debt. ## FAQs ### Q1: Can a credit card be used to get money from an ATM in the UAE? **Ans:** Yes, you can go to an ATM in the UAE and withdraw money from credit card. Just keep in mind that this facility brings a cash advance fee and other charges. ### Q2: Is there a first period to pay back cash taken by credit card with no interest charged? **Ans:** No. Banks immediately start charging cash advances at the same rate as normal transactions. Unlike most standard card purchases, there is no interest-free period. ### Q3: What are the fees for cash withdrawal on a credit card in UAE? **Ans:** A cash-advance fee is usually the main cost. This is typically around 3.15% (including VAT) of the withdrawn sum or a fixed minimum charge, whichever is greater. ### Q4: Is there a different cash advance limit, or does the cash come from the regular credit limit? **Ans:** Cash advances are a part of the credit limit itself. Most banks allow cash advances up to a certain percentage of the total credit limit. This limit is usually 50% for regular cards and around 75% for more premium cards. ### Q5: Should one take cash advances from credit cards? **Ans:** ​​​​​​​Generally, you should take cash advances only in case of emergencies or urgent need for cash. 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