The handling fee for overseas cash advance of China Merchants Bank's credit card is 3% of each advance cash amount, with a minimum charge of USD 3 or 3 yuan RMB (American Express Card-Centurion Black Gold Card, American Express Card-Centurion Platinum Card are charged at a minimum of USD 5 or 3 yuan RMB). There is no inter-bank handling fee for cash advance.

interest: advance cash is not entitled to interest-free repayment. From the date when advance cash is processed to the date of settlement, interest will be charged at the daily rate of .5 ‰, with compound interest on a monthly basis.