Credit cards handled through formal channels are free of charge. After the credit card is processed and successfully opened, if it is not used enough, the bank will generally charge you an annual fee. According to the regulations of various banks, the charging standards are different. Generally speaking, the annual fee of Puka is between 80- 100.

If you want to deposit money in a credit card, you don't need a handling fee, but you have to charge a handling fee and interest for withdrawing cash. So personally, I don't recommend you to withdraw cash by credit card.