•1 June 2026•5 min read
Credit Card Cash Withdrawal vs Personal Loan: Which is Cheaper?
When in urgent need of cash, cardholders are tempted to withdraw money from ATMs using credit cards. This is one of the most expensive financial actions you can take.
Credit Card Cash Advance
Carries interest rates up to 42% p.a., starting from the day of withdrawal, plus transaction fees.
Personal Loan
Interest rates range between 10.5% and 24% p.a., with fixed repayment tenures and structure.