If you withdraw cash before the ICBC credit card bill date, the withdrawal amount will generally be included in the current bill, and the withdrawal should be repaid on the final repayment date of the current bill. If the cardholder withdraws cash on or after the ICBC credit card bill date, the withdrawal amount will generally be included in the next bill, and the outstanding balance should be paid off on the final repayment date of the next bill.

There is no interest-free period for repayment after withdrawing cash with an ICBC credit card. Generally, interest on cash withdrawals is calculated on a daily basis, and the daily interest rate is 0.05%. In addition, there will be a handling fee for ICBC credit card cash withdrawals. When withdrawing cash within the country, it will be charged 1% of the cash withdrawal amount, with a minimum of 2 yuan/transaction and a maximum of 100 yuan/transaction. When withdrawing cash overseas through UnionPay, the handling fee is 1 plus 12 yuan of the cash withdrawal amount, with a minimum of 14 yuan/transaction and a maximum of 112 yuan/transaction.