What does a cash withdrawal on your card cost?
Cash on a credit card costs twice: a fee of about 3% with an AED minimum, and interest from the day you take the cash, even if you pay in full.
Why is cash charged from day one?
The Central Bank rule that stops interest on a balance paid in full by the due date excludes cash advance transactions. Banks’ key facts statements say interest on cash runs from the transaction date until the cash is repaid. The daily rate here is the monthly rate times 12, divided by 365, as in FAB’s and Emirates NBD’s worked examples.
Worked example: AED 3,000 at a fee of 3.15% or AED 103.95, and 3.69% a month for 30 days, costs AED 103.95 in fees and AED 109.18 in interest, AED 213.13 in all.
Banks also treat some payments as cash, such as buying foreign currency, money transfers and betting. Read what counts as a cash advance.
| Bank | Cash withdrawal fee | Document |
|---|---|---|
| ADCB | 3.15% or AED 105, whichever is higher | Schedule of Fees. Effective 1 September 2026. |
| ADIB | 3% or AED 99, whichever is higher, plus 5% VAT (3.15% or AED 103.95) | Covered Cards, Key Facts Statement. Undated document. |
| Dubai Islamic Bank | 3.15% of the amount | Schedule of Charges. Effective 12 October 2026. |
| Emirates Islamic | 3.15% or AED 103.95, whichever is higher | Key Facts Statement, Credit Cards. Undated document. |
| Emirates NBD | 3.15% or AED 103.95, whichever is higher | Key Facts Statement, Credit Cards. Marked effective 1 March 2026, pages dated 08/2026. |
| First Abu Dhabi Bank | 3.15% or up to AED 157.50, whichever is higher | Conventional Cards Key Facts Statement. Document titled September 2026. |
| HSBC | 3.15% or AED 105, whichever is higher (none on HSBC Zero) | UAE Schedule of Services and Tariffs. Effective 26 October 2026. |
| Mashreq | 3.15% or AED 210, whichever is higher | Mashreq Cards Key Facts Statement. Version reference VA080526. |
| RAKBANK | 3.31% or AED 105, whichever is higher | Consumer Credit Card Service and Price Guide. With effect from 13 May 2025. |
| Standard Chartered | 3.15% or AED 105, whichever is higher | Key Facts Statement for Your Standard Chartered Credit Card. Undated document. |
Sources
- Consumer Protection StandardsCentral Bank of the UAE. Notice 1158/2021, in force. Read 12 November 2026.
- Key Facts Statement, Credit CardsEmirates NBD. Marked effective 1 March 2026, pages dated 08/2026. Read 12 November 2026.
- Conventional Cards Key Facts StatementFirst Abu Dhabi Bank. Document titled September 2026. Read 12 November 2026.
- Schedule of FeesAbu Dhabi Commercial Bank. Effective 1 September 2026. Read 12 November 2026.
- Mashreq Cards Key Facts StatementMashreq. Version reference VA080526. Read 12 November 2026.
- Consumer Credit Card Service and Price GuideRAKBANK. With effect from 13 May 2025. Read 12 November 2026.
- UAE Schedule of Services and TariffsHSBC Bank Middle East Limited. Effective 26 October 2026. Read 12 November 2026.
- Key Facts Statement for Your Standard Chartered Credit CardStandard Chartered. Undated document. Read 12 November 2026.
- Key Facts Statement, Credit CardsEmirates Islamic. Undated document. Read 12 November 2026.
- Schedule of ChargesDubai Islamic Bank. Effective 12 October 2026. Read 12 November 2026.
- Covered Cards, Key Facts StatementAbu Dhabi Islamic Bank. Undated document. Read 12 November 2026.