Can I withdraw cash with an ICBC credit card?

You can withdraw cash directly with a credit card. 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.

Different banks have different calculation methods for credit card cash withdrawal fees. Most of them are charged at one time based on 1% of the transaction amount. The calculation method for cash withdrawal interest is the same, which is based on 0.05% of the transaction amount and is charged on a daily basis. The calculation starts from the date of withdrawal until the day before the date of repayment. Therefore, the cost of withdrawing cash by credit card is very high, so it is recommended not to withdraw cash as much as possible.

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This answer is provided by Kangbo Finance. Kangbo Finance focuses on interpretation of hot financial events and popularization of financial knowledge. It adheres to professionalism and pursues fun, and produces financial content that people can understand, using vivid and diverse methods. Deliver financial value. Hope this answer is helpful to you.

Can I withdraw cash with an ICBC credit card?

RMB withdrawals with our credit card can be made at any ICBC branch or ATM machine with the "UnionPay" logo in the country. Withdrawals using dual-currency and multi-currency credit cards of our bank must be handled at the branch where the business is established.

(The above content will be answered by ICBC’s intelligent customer service “Gong Xiaozhi” on September 14, 2021. In case of business changes, please refer to the actual situation)

Industrial and Commercial How to withdraw cash from bank credit card?

Credit Card Domestic Withdrawal Methods

Credit cards can be used to withdraw RMB at any ICBC branch or self-service equipment with the "UnionPay" logo in the country. Large-amount withdrawals (50,000 and above) can be made at the counter. You must provide your valid identity document; if there is a deposit in the credit card, you need to bring the card and valid identity document to the branch where the business is established to withdraw money.

Warm reminder: You must handle it in person and cannot do it on behalf of others; the dual-currency credit card emergency replacement card cannot be used to withdraw cash within the country; credit card overdraft cash withdrawals do not enjoy the interest-free repayment period, and overdraft interest will be charged.

Credit Card Overseas Withdrawal Methods

I hold a credit card with "VISA", "MasterCard", "AmericanExpress" or "UnionPay" and other logos and withdraw money locally at an overseas ATM with the corresponding logo. currency. If the withdrawal is overdraft, overdraft interest will be charged.

Warm reminder: It is recommended to use credit cards to save cash withdrawal fees, reduce exchange losses, and enjoy the preferential exchange rates provided by international credit card organizations.

Extended information:

1. Credit card cash withdrawal handling fee

RMB is charged according to the amount of each transaction, with a minimum of 2 yuan and a maximum of 100 yuan; each transaction is charged according to the amount 2.9 charges (including domestic and overseas), the minimum is 3 Hong Kong dollars/Macau patacas/US dollars/euro, and the minimum equivalent is 3 US dollars for each other transaction. Domestic transactions for military official cards, platinum cards and above are free.

Warm reminder: Local withdrawals or transfer payments from self-owned deposits, and local overdraft withdrawal transactions with quasi-credit cards are temporarily exempted before June 30, 2019.

2. Credit card transfer fee

Local credit card to local credit card will be free of charge before June 30, 2019.

For non-local credit card transfers (meaning that either the transferor or the transferee has a non-local credit card, or both parties have non-local credit cards), each transaction will be charged in RMB based on the amount 1, with a minimum of 2 yuan and a maximum of 100 yuan.

The amount of each transaction is charged at 2.9 (including domestic and overseas), with a minimum of 3 Hong Kong dollars/Macao dollars/US dollars/Euros, and a minimum equivalent of 3 US dollars for each other transaction. Military business card, platinum card and above are domestic. Transactions are free.

3. Inter-bank/cross-border UnionPay network self-service cash withdrawals

Domestic inter-bank cash withdrawals are charged 4 yuan per transaction, plus local cash withdrawal or transfer fees; overseas cash withdrawals (including Hong Kong, Macao and Taiwan), each cash withdrawal amount is charged RMB 112, with a minimum of 14 yuan and a maximum of 112 yuan.

Industrial and Commercial Bank of China—Credit Card Domestic Withdrawal Methods

Industrial and Commercial Bank of China—Credit Card Overseas Withdrawal Methods

Industrial and Commercial Bank of China—Credit Card Cash Withdrawal and Transfer Charges

Can I withdraw cash with an ICBC credit card?

Cash can be withdrawn. You can use your credit card to withdraw RMB at any ICBC outlet or self-service equipment with the UnionPay logo in the country. The cash advance limit is set based on the card usage. It is included in the credit limit of the credit card. The total amount of cash withdrawals generally does not exceed 50% of the credit limit.

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That’s all for the introduction of whether ICBC credit cards can withdraw cash.