In an emergency, the cardholder can utilize local and foreign ATMs to get cash using the card. All such withdrawals would be subject to a transaction fee, which the Cardholder would be charged in the subsequent statement. At domestic ATMs, a transaction fee of 2.5% or Rs. 500, whichever is greater, is charged. At international ATMs, a transaction fee of 2.5% or Rs. 500, whichever is higher, is charged. The transaction cost may change at SBI Cards & Payment Services Private Limited's discretion (SBICPSL). From the date of withdrawal until the date of final payment, all cash advances also come with a financing fee comparable to those on revolving credit.

Cash Withdrawal Finance Fees SBI Card Pulse:

Financing Charges -  

  1. 2.75% per month (33% per year) for Shaurya, Defense Cards, and Secured Cards, and 3.50% per month (42% per year) for Unsecured Cards.
  2. The aforementioned fees will start to apply on the day of the cash withdrawal.
  3. 25 rupees minimum in finance charges.

Cash Withdrawal Limit

  1. Up to 80% of the credit limit is the maximum cash advance amount, with daily limits of Rs. 12,000 for Gold and Titanium cards and Rs. 15,000 for Platinum cards and Signature/World cards.
  2. Free Credit Timeframe - Nil
  3. Financing Charges - 2.75% per month and 42% per annum

The cash withdrawal charges are at the discretion of the bank. The State Bank of India can decide to change the charges as and when required.

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