Is It OK to Take Cash from a Credit Card? Low-Cost Alternatives in Chennai

Published On - June 17, 2025

admin Credit Card swipe machine
cash from credit cards

Is It OK to Take Cash from Credit Cards?

Yes, you can take cash from credit cards via a cash advance(Swipe your card), but traditional bank advances come with high fees (3%-5%) and steep interest (25%+). If you’re in Chennai and need urgent funds, UNIK Financing Solutions offers credit card to cash services at lower interest rates—a smarter alternative to expensive bank cash advances.

Before you swipe, let’s explore how cash withdrawals work, when they make sense, and how UNIK Financing can help you save money.

How to Avail best Cash from Credit Cards in Chennai?

You typically have three options:

ATM/Bank Cash Advance – High fees (3%-5%) + immediate interest.

Convenience Checks – Rarely cost-effective.

UNIK Financing Solutions – Get cash from your credit card at lower interest rates (Chennai-based service).

 

Why Choose UNIK?

✔ Lower interest than bank cash advances

✔ Quick disbursement

✔ Transparent terms

When Should You Take Cash from a Credit Cards?

Cash withdrawals from your credit card should only be a last resort, but if you must, consider:

  • Medical emergencies
  • Urgent business needs
  • Unexpected expenses

 

Avoid for:

Luxury purchases

Non-urgent spending

Pro Tip: If you need cash in Chennai, UNIK Financing Solutions provides a cheaper alternative to traditional credit card cash advances.

 

cash from credit cards

How Much Does a Cash Advance Cost?

Bank cash advance charges 3% to 5% interest charges.

In UNIK Financing solutions has lower fees best competitive rates with Flexible repayment options

Better Alternatives to Costly Cash Advances

1. UNIK Financing Solutions (Best for Chennai Residents)

✔ Lower interest rates than bank cash advances

✔ Fast processing

✔ Flexible repayment

2. Personal Loans     cash from credit cards

Lower APR (12%-24%) but slower approval.

3.Sell Unused Items

Quick cash via OLX, Facebook Marketplace.

4.Borrow from Friends/Family

Interest-free but can strain relationships.

5.Payday Alternative Loans (PALs)

Credit unions offer small, short-term loans.

Why Choose UNIK Financing for Credit Card to Cash Services?

If you need immediate cash in Chennai, avoid banks’ high fees with:

  • Lower interest rates
  • Quick approval
  • Hassle-free process

Serving All over india – Get cash from credit cards without the excessive bank charges!

Final Verdict: Should You Take Cash from a Credit Card?

Avoid bank cash advances unless absolutely necessary. If you need urgent funds in Chennai, UNIK Financing Solutions offers a low-cost alternative to traditional credit card cash withdrawals.

Key Takeaways

✔ Bank cash advances = high fees + instant interest

✔ UNIK Financing = lower rates + better terms (Chennai-based)

✔ Always repay quickly to avoid debt traps

Need fast cash in Chennai? Contact UNIK Financing Solutions for a smarter credit card to cash service!