How to Withdraw Money from Credit Card Without Charges in 2025?

Looking to withdraw money from your credit card without charges in 2025? You’re not alone. With rising bank fees and hidden utility charges, many users in Hyderabad, are searching for smarter and legal ways to get instant cash from their credit cards.

In this guide, we’ll cover how to avoid ATM withdrawal charges, bypass utility fees, and legally transfer credit card funds to your bank account, all with minimal transaction charges.

Can You Really Withdraw Money from Credit Card Without Charges?

Yes, To withdraw money from a credit card without charges, Contact VedhaPay, they swipes your credit card under retail categories (not utility or ATM), avoiding high bank fees and the amount is instantly transferred to your bank account. Call VedhaPay: 80086 43975

VedhaPay provide cash on credit card Hyderabad services with zero utility charges from the bank side. All Cards are working including One cards, AU Cards, Amex Cards and HDFC Master Cards, With just 1.8%(may vary by card) charges, your amount is instantly transferred to your bank account. Call 80086 43975.

Many people often ask:

How to convert credit card to cash without extra charges?
How to avoid utility fees on credit card transactions in 2025?
Swipe credit card for cash without fees in Hyderabad?
Is it legal to withdraw cash from credit card using merchant POS?

Why Banks Charge Utility Fees on Credit Card Withdrawals

When you use your credit card for:

ATM withdrawals
Wallet loads (like Paytm, PhonePe)
Utility bill payments (electricity, water, etc.)
Financial service platforms

Your transaction is marked under “financial MCCs” (Merchant Category Codes). These charges will be applicable.

Extra 1.5–3% charges
Interest from Day 1
No cashback or rewards

With VedhaPay, we swipe your credit card under non-utility categories, such as travel or other merchant transactions to avoid utility charges from the bank, helping you save money every month.

If you want to know How to Avoid Utility Fees on Credit Card Swiping in 2025? or looking for a credit card swipe near me, we’re available with trusted service and support.

How to Withdraw Money from Credit Card Without Charges (2025 Method)

Here’s a step-by-step breakdown of how you can withdraw money from a credit card without utility charges using VedhaPay in Hyderabad:

Step 1: Get Verified

Submit soft copies of your Aadhaar Card and PAN Card for card ownership verification.

Step 2: Swipe Credit Card Digitally

Your card is swiped under non-utility categories (like travel or retail), not tagged as financial services.

Step 3: Money is Transferred Instantly

After a charges deductions remaining amount is instantly transferred to your bank account.

Why Choose Vedhapay?

Only 1.8% processing fee(Charges may vary depend upon cards).
No utility charges from the bank side
Instant bank transfer
Secure and trusted online swiping
Instant credit card Bill payments
Fast and hassle-free service

Frequently Asked Questions (FAQs)

Q: How do I avoid credit card cash withdrawal charges in 2025?
A: Use VedhaPay in Hyderabad to swipe your credit card under travel or merchant categories, This avoids utility charges with just a 1.8% fee. Call 8008643975.

Q: Is it safe and legal?
A: Yes, VedhaPay follows bank-approved merchant coding (MCC) for retail transactions, ensuring safety and legality.

Q: How quickly can I get money from my credit card?
A: With VedhaPay, swipe your card, and the amount is transferred to your bank account in 10 minutes.

Q: Can I use any credit card?

Yes. VedhaPay supports all major cards, including: