PNB Credit Card se cash nikalna sabse mehenga transaction hota hai, chahe PNB ke hi ATM se nikalo.
Charge kitna lagega PNB ATM par?
PNB ka official cash advance charge hai:
- PNB ATM se: 2% of amount, minimum Rs.100 - Rs.150 jo bhi zyada ho
- Dusre bank ke ATM se: 2% minimum Rs.150 - Rs.200
- Bahar desh ke ATM se: 2% minimum Rs.250 - Rs.300 
Card variant ke hisab se minimum thoda alag hai. Gold / Signature / Platinum / Select sab par 2% hi hai, bas minimum limit Rs.100 ya Rs.150 hota hai 
Example:
Agar aap 10,000 Rs nikalte ho PNB ATM se to 2% = 200 Rs fee lagega. Is par 18% GST alag se ∼36 Rs. Toh total 236 Rs extra.
Agar 5,000 Rs nikalte ho to 2% = 100 Rs, lekin minimum 150 Rs hai toh 150 + GST = 177 Rs lagega.
Iske alawa 2 aur charge lagte hain jo log miss kar dete hain
1. Interest same din se start: Cash withdrawal par koi interest-free period nahi milta. Jis din paise nikaloge usi din se interest lagna start 
PNB ka finance charge 2.95% per month hai, matlab saal ka 35.89% tak 
2. Cash limit: Aap poora credit limit cash me nahi nikal sakte. Aam taur par cash limit total limit ka 20% - 30% hi hota hai.
Ye jo Rs.23 + GST wala ATM charge hai jo May 2025 se badha hai, wo debit card ke free limit ke baad lagta hai. Credit card cash advance ka charge usse alag hai, jo upar wala 2% wala hai. 
Sabhi banks cash withdrawal ko sabse mehenga kaam mante hain, isliye koi bhi bank sasta nahi hai. Lekin farak bahut bada hai.
Normal banks 2.5% lete hain, PNB 2% leta hai, aur 2-3 banks flat fee lete hain jo sabse saste hain.
Sabse kam charges wale cards
1. IDFC FIRST Bank - Sabse sasta common logo ke liye
Flat Rs.199 + GST per transaction, chahe 5,000 nikalo ya 50,000 
Isme bhi FIRST Power / Power+ card par to due date tak koi interest hi nahi lagta, bas 199 ka fee dena hota hai
Iska matlab agar aap bill due date par paisa wapas kar dete ho to sirf 199 hi lagega. 
2. Axis Bank Burgundy Private - Zero charges
Ye super premium HNI card hai, is par cash withdrawal par na koi fee, na koi interest due date tak lagta hai. Lekin ye sabko nahi milta, invitation par hi milta hai. 
3. PNB - PSU banks me sabse kam
Aapka PNB - 2% minimum Rs.100-150. Ye SBI / HDFC se sasta hai.
4. Baaki bade banks - Sabse mehenga
• SBI Card】: 2.5% minimum Rs.500 
• HDFC Bank】: 2.5% minimum Rs.500 
• ICICI Bank: 2.5% se 3% minimum Rs.500 
• Kotak: Rs.300 per Rs.10,000, max 2.5% ya Rs.500 jo bhi zyada ho 
Practical baat
Agar aapko 10,000 Rs nikalna hai:
• PNB se = 200 Rs fee
• SBI / HDFC / ICICI se = 500 Rs fee
• IDFC FIRST se = 199 Rs fee
Isliye agar aapko kabhi kabhi cash nikalna hi padta hai, to IDFC FIRST ka koi bhi card rakho, uska fee sabse kam padega. Aur agar aapka PNB card hi hai, to wo bhi SBI/HDFC se sasta hai, lekin IDFC jitna sasta nahi.
Ek tip: Credit card se cash nikalne ke bajaye, RentPay, wallet load ya koi cash-advance trick mat karna, bank usko bhi cash advance hi ginta hai ab. Seedha personal loan ya overdraft sasta padega
IDFC FIRST ka rule thoda alag hai normal banks se:
1. Aapka cash limit kitna hai uspar depend karega:
IDFC ke normal credit card par cash withdrawal limit total card limit ka upto 40% hota hai.
Agar aapka card limit 50,000 hai to cash limit max 20,000 hoga. Agar card limit 1 Lakh hai to 40,000 tak nikal sakte ho.
Aur aam taur par ye limit 20% se 40% ke beech hi rehti hai.
2. Ek baar me max 10,000 hi niklega:
IDFC ne per transaction limit Rs.10,000 rakha hua hai. Millennia / SWYP / Gaj sab par same hai.
Matlab 20,000 nikalne ke liye aapko 2 baar transaction karna padega - 10k + 10k.
3. Charge double lagega:
IDFC par fee flat hai - Rs.199 + GST per transaction. Toh 20,000 ke liye 2 baar karoge to 199+GST = ∼235 x 2 = ∼470 Rs fee lagega.
Agar aapke paas IDFC WOW wala FD wala card hai to aap FD value ka 100% tak bhi nikal sakte ho.
Ab kya karna hai:
1. IDFC FIRST app open karo > Credit Card > Limits dekho. Waha 2 limit dikhegi - Total Credit Limit aur Cash Withdrawal Limit.
2. Agar cash limit 20,000 ya usse zyada hai, to ATM jao.
3. Pehle 10,000 nikalo, phir dobara card dal ke 10,000 aur.
Yaad rakhna, agar aapke paas Power / Power+ card hai to due date tak interest nahi lagega, sirf ye 199 wala fee lagega. Dusre IDFC cards par interest usi din se start ho jayega.
WOW card ka cash rule
WOW FD-backed card hai, iska limit hi aapki FD hoti hai.
• Cash withdrawal limit = 100% of FD value - matlab FD ka jitna paisa hai utna cash nikal sakte ho.
• Interest 45 din tak 0% hai, sirf Rs.199 + GST per transaction fee lagega. Ye sabse sasti deal hai.
To 20,000 kaise niklega?
1. Ek baar me 10,000 hi niklega:
IDFC ka per transaction limit Rs.10,000 hai. To 20,000 ke liye aapko 2 baar karna padega.
2. FD kitni hai ye dekho:
• Agar FD 20,000 ki hai to 20,000 pura nikal jayega - 10k + 10k
• Agar FD 25,000 ki hai to bhi 20,000 nikal jayega
• Agar FD 15,000 ki hai to aap 20,000 nahi nikal paoge, max 15,000 hi niklega
3. Charge kitna lagega:
2 transaction = 199 + GST (∼235) x 2 = ∼470 Rs total. Iske alawa agar aap bill due date tak wapas kar dete ho to koi interest nahi.
Practical tarika
1. IDFC FIRST app > WOW card > FD amount check karo.
2. ATM jao, 10,000 nikalo, card wapas dalo, phir 10,000 aur nikalo.
3. Koshish karo kisi IDFC FIRST ya bade bank ke ATM se nikalo taaki ATM ka apna limit fail na ho.
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