If you only talk about cash withdrawal, then it is definitely cost-effective to borrow.

Credit cards will accrue interest starting from the day the cash is withdrawn, at 0.05% per day. However, if you use the card reasonably to spend, you can ensure that interest will never accrue.

If you borrow, the interest rate is 0.4% per day, which is lower than that of banks, but there will be no interest-free period no matter how you consume.