Here’s How you can Transfer Money from Credit Card to Bank Account Instantly

Thinking about how to transfer money from a credit card to a bank account? Don’t worry! you can get cash on a credit card easily within a few minutes. Read this post till the end to find out.

How to transfer money from a credit card to a bank account?

We all go through cash crunches, and financial burdens frequently. It’s on a rise, especially after the pandemic situation across the globe. Isn’t it?

Sometimes you require money urgently and don’t want to borrow from your family members, relatives, friends or colleagues. Am I right?

The good news is if you have a credit card, there’s no need to borrow money from others during an emergency situation. All you need to do is just transfer the credit card limit to your bank account Instantly.

But wait, before I tell you about how you can transfer money from a credit card to your bank account, I want to tell you something about it.

I suggest you consider this option, only if it’s necessary and if it’s an emergency. Most importantly you should be able to pay back the amount within the due date so that it doesn’t affect your CIBIL score.

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How to transfer money from a credit card to a bank account online?

To transfer money from a credit card to a bank account, there are different methods, but to keep it simple, I am going to split this guide into two ways-

• Online method
• Offline method.

In the online method, you use a third-party payment application such as Paytm, Phonepay, Mobikwik, etc.

On the other hand, in the offline method, you can use different ways such as-

• ATM withdrawal
• NEFT and RTGS
• Cheques
• Credit Card Swiping Agent (Recommended)

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Let me explain to you in detail both the methods one by one.

Online money transfer from credit card to Bank account

There are many mobile payment applications such as Paytm, which you can use for the task. All you have to do is to have the app on your smartphone.

Let me elaborate-

1. Firstly you must register with Paytm or any other mobile payment application. If you already have an account with Paytm, then log in to your account.
2. The next thing you can do is transfer the credit card funds to your mobile banking account- Paytm.
3. As you transferred the amount to your Paytm wallet or Paytm payment bank, now you can send it wherever you want to send the money.
4. In the next step, select the option- “Send money to the Bank.”
5. As you click that option, you have to select the bank account you want to send the amount to. (Note- As you want to add money to some other account other than your UPI, then you can fill in the details such as IFSC code and Account Number).
6. In the last step, you have to verify the Bank account details and then send the money to your bank account.
7. Congratulations, the amount you want to transfer from your credit card to your bank account is successfully done.

Whatever application you choose, the interface might be different, but the process is similar in all applications. You need an intermediate to add money and then transfer it to your bank account in such online methods.

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Offline money transfer from credit card to Bank account

Let me start with the ATM transfer method.

Money transfer by ATM.

The best way to do that task is to go to your nearest bank branch, withdraw the amount you want to transfer, and then deposit it in your bank account.

If you want a step-by-step way, then let me explain-

• Go to the nearest Bank branch.
• Withdraw the amount from their ATM using your credit card.
• Then, go to your branch and deposit the money into your bank account.

Yes, it is quite a simple method to transfer credit card money to your bank account. However the withdrawal charges could be high, please check with your bank for more information on this.

NEFT and RTGS.

Wait before I tell you How to transfer money from a credit card to a bank account by this method. I want to ask you a question.

Do you know what the NEFT and RTGS are?

If you don’t, then let me explain.

NEFT stands for National Electronic Funds Transfer, which means if you use this payment system method, your funds will transfer within a period of a few hours.

While the RTGS stands for the Real-time Gross Settlement, from the name itself, you can understand that the amount you choose to transfer will be sent within seconds.

• You can go to your bank and request a transaction form.
• Then you have to fill in the details of the bank account you want to transfer the money.
• And then submit the form to the bank officials.

Via Cheque

This is the most convenient method of all. All you need is a Cheque book of your Account, take a Cheque and fill it out for yourself, then enter the required details such as account number and date, etc.

Then submit it to your nearest bank branch. The main disadvantage of this method is it takes time to transfer the amount to the respective bank account.

If you want to transfer the money instantly, then this method will not work for you.

Credit Card Swiping Agent (Recommended Method)

This is the savior when you required cash in an emergency situation. It’s like swiping your credit card for cash. Though you need to pay a small transaction charge between 2%- 3%, you can get the cash instantly

Nowadays credit card swiping services are available online as well. If you are looking for spot cash on a credit card, just WhatsApp to us, and we will help you with the required amount immediately.

Don’t worry it’s 100% safe and secure. Money will be transferred to your bank account instantly. Just WhatsApp us for more details now.

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I hope now you have learned how to transfer money from a credit card to a bank account.

I hope you liked our in-depth guide on How to transfer money from a credit card to a bank account. If you have any questions regarding it, they know me in the comment section. I will be happy to help you.

Also, share this valuable information regarding transferring money from credit cards to your bank account with your friends and family who have credit cards.

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Also See:

• Here’s How you can improve CIBIL Score Immediately
• How to Increase your Credit Card Limit? Useful Tips and Tricks
• Here’s How you can transfer money from Credit Card to Bank Account without any Charges
• Here’s How you can Close SBI Credit Card instantly
• What’s the difference between Debit Card and Credit Card? Which is Better and Why?

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