# HSBC Credit Card Cash Withdrawal **Published:** 2022-11-04T05:22:55.525Z **Updated:** 2026-07-30T16:29:26.491Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/hsbc-credit-card-cash-withdrawal/ You may have used your HSBC card for various online transactions. But did you know that you can also withdraw cash from an HSBC credit card in the UAE? It’s a useful facility that helps you the most in case of a cash crunch. It works just like a debit card, although there are several more factors that you must know. Let’s cover everything you need to know about this facility, including charges, advantages, alternatives, and more. ...read more ## Best HSBC Credit Card in UAE Free for 1st year ### Cash+ CashbackAirport Lounge AccessMovie DiscountsDining DiscountsTravel Insurance CoverageTravel DiscountsZomato Pro MembershipCareem+ Membership Minimum Salary:**30,000** Annual Fee:**1st Year Free\*** Enjoy automatic 1% daily cashback on all eligible spends. Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership. Welcome Bonus ### Emirates Skywards Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsTravel Insurance CoverageTravel DiscountsSkywards MembershipZomato Pro MembershipCareem+ Membership Minimum Salary:**30,000** Annual Fee:**2,625** Get 40,000 sign-up bonus Skywards Miles when you pay your annual card fee. Get another 30,000 welcome spend Skywards Miles when you spend AED 50,000 in the first 60 days (Offer Valid Till 30 April 2026). T&Cs Apply. Free for 1st year ### Live+ Credit Card CashbackWelcome BonusAirport Lounge AccessMovie DiscountsDining DiscountsTravel Insurance CoverageTravel DiscountsZomato Pro MembershipFuel CashbackSupermarket / Grocery CashbackCareem+ Membership Minimum Salary:**12,500** Annual Fee:**1st Year Free\*** Get an AED 500 welcome cashback when you apply for this card by 30 April 2026, plus AED 100 the first time you use your card in your mobile wallet. Subject to T&Cs. Earn 6% on Dining, 5% (on fuel and 2% on groceries and entertainment - all upto AED 200 ## Can You Withdraw Cash from an HSBC Credit Card?  Yes, you can easily withdraw cash from HSBC credit cards in the UAE. It works the same as a debit card —  simply swipe the card in an ATM and get the cash. You can choose the amount you need. Moreover, the cash is given instantly, making it a quick and convenient option in urgent situations.  But there’s a catch! A certain amount is charged for this facility by the bank. So, it’s crucial to be familiar with the charges before using this cash withdrawal facility.  ## What are the Charges on HSBC Credit Card Cash Withdrawal?  The cash withdrawal facility with credit cards is not free like debit cards. HSBC charges a fee, which is the higher of 3% of the withdrawal amount or AED 100.  It’s worth noting that you have to pay the charge every time you withdraw cash. Even if you’re making multiple withdrawals in a day, you’ll be charged each time as per the amount you withdraw. Moreover, if you are using this facility outside the UAE, you will incur an extra fee.  Note: The cash withdrawal fees on HSBC cards may change over time. It’s advised to check the official site before using this facility.  ## How to Withdraw Cash from HSBC Credit Card?  It’s easy to withdraw cash from HSBC credit cards. You can use this just like how you access cash through your debit card —  * Go to your nearest ATM with your HSBC card  * Insert the card in the machine  * Select the ‘Cash Withdrawal’ option  * Mention the amount you want to withdraw  * Enter your PIN * Collect the amount  ## Pros and Cons of HSBC Credit Card Cash Withdrawals Here are the pros and cons of withdrawing cash from an HSBC card — Pros * Secure instant cash during emergencies from anywhere in the world * Faster loan option than a typical secured loan  * No documentation, waiting period, or approval  * Withdraw 24/7 cash from ATMs in the UAE or even abroad  Cons * A fee is charged for each withdrawal  * No grace period or interest-free days  * No scope for earning reward points or cashbacks  * Higher interest rate than other loan options  ## Alternatives to HSBC Credit Card Cash Withdrawal Consider the following smart alternatives to HSBC [credit card cash withdrawal](https://www.paisabazaar.ae/credit-cards/articles/all-about-credit-card-cash-withdrawal-in-uae/) in the UAE — Use the HSBC Debit Card  If you need cash in the UAE, reaching for your debit card is usually the smarter move. This method allows you to use your own money. This means you can avoid the hefty interest rates and extra fees that come with withdrawals from credit cards.  Plus, with HSBC ATMs all over the UAE, getting cash is quick and hassle-free. It’s an easy way to keep costs down, avoid unnecessary debt, and stay in control of your money — exactly how you’d want your finances to feel. HSBC Cash Instalment Plan When unexpected expenses pop up, you can also use the HSBC cash instalment plan. This is an excellent option if you want funds in a budget-friendly and smart way.  If you’re eligible, you can transfer money from your HSBC card straight into your bank or savings account. Later, you can repay it in easy, fixed instalments. Unlike withdrawing cash from cards that start charging high interest immediately, you’ll know the exact fees and rates before you commit.  You can use this facility through the HSBC UAE mobile banking app. It is transparent, convenient, and designed to help you handle cash needs without the financial sting of traditional withdrawals. ## Final Words While you can withdraw cash from an HSBC credit card, it’s best to use other facilities unless it’s a genuine emergency. Every transaction comes with interest charges or fees that can be higher than those of other forms of debt. Before considering this facility, check the latest charges and terms set by the HSBC bank. Understanding the actual limit and charges will help you make smarter, more informed financial decisions. It will also save you from the buildup of unnecessary debt. ### Frequently Asked Questions  ### Q1: Is it possible to withdraw cash from an HSBC credit card?  **Ans:** Yes, it is easy to withdraw cash from an HSBC card in the UAE. However, this comes with its own fees and charges. ### Q2: How can I know my credit card cash withdrawal limit?  **Ans:** The HSBC credit card cash withdrawal limit depends on the card type. It’s usually a percentage of the total limit. It’s advisable to check the features of your card or contact the bank for the same. ### Q3: How can I avoid charges on HSBC credit card cash withdrawals?  **Ans:** No, it’s not possible to avoid charges associated with the cash withdrawal facility on HSBC cards. The charges are applied from the time you apply for the facility until the amount is fully repaid. ### Q4: How much is charged on an HSBC credit card cash withdrawal in the UAE?  **Ans:** HSBC charges 3% of the withdrawal amount (minimum AED 100) when you use its credit card for cash withdrawal in the UAE. ### Q5: Can I withdraw cash from my HSBC card overseas?  **Ans:** Yes, HSBC lets you use your card for cash withdrawals from ATMs across the world. However, foreign withdrawals may have separate charges. 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