Different banks charge different fees for late card withdrawals. Most banks charge a one-time fee of 1% of the transaction amount. For example: the standard of the China Construction Bank credit card cash withdrawal fee is 1% of the withdrawal amount, with a minimum of 2 yuan and a maximum of 100 yuan; the bank's local overflow payment by credit card is exempt from the fee.

Cash withdrawal fees for Bank of China Xindan cards: domestic, excluding Hong Kong, Macao and Taiwan, charged at 1% of the transaction amount, with a minimum of RMB 10/transaction (or USD 1.5/JPY 120). Overseas and China's Hong Kong, Macao and Taiwan: 3% of the cash withdrawal amount is charged, with a minimum of 3.5 US dollars/500 yen per transaction. Other fees incurred when withdrawing cash overseas through non-Bank of China websites or Ludian shall be borne by the cardholder.

Credit card cash withdrawal methods include counter cash withdrawal, ATM self-service machine cash withdrawal, mobile banking cash withdrawal, personal online banking cash withdrawal, etc. Cardholders can withdraw cash directly or transfer money to a debit card. The cash withdrawal limit of a credit card is usually half of the credit limit, and cash withdrawals require payment of handling fees and interest.

The calculation method for cash withdrawal interest is the same. It is charged at 0.05% of the transaction amount on a daily basis. It is calculated from the date of withdrawal to the day before the date of repayment. Therefore, the cost of withdrawing cash by credit card is relatively high.