# Credit Card EMI vs Loan on Credit Card vs Cash Withdrawal: Which Should You Choose?

> AU Small Finance Bank’s SMARTLoan starts at 1.2% per month with tenures of 6 to 36 months, while industry cash advances typically cost a 2.5% fee plus 3.4% to 3.75% interest a month from day one.

- Published: 2026-09-29T14:03:26.784Z
- Updated: 2026-09-29T14:03:26.784Z
- 1 source
- Topics: Economy, business and finance, Science and technology
- Involves: AU Ananta Credit Card, AU Laksya Credit Card, AU Prathama Credit Card, AU Small Finance Bank, AU Tejas Credit Card, ICICI Bank, SMARTLoan

## How it developed

- 2026-09-29T14:03:26.784Z - Telangana Today: [Credit Card EMI vs Loan on Credit Card vs Cash Withdrawal: Which Should You Choose?](https://telanganatoday.com/credit-card-emi-vs-loan-on-credit-card-vs-cash-withdrawal-which-should-you-choose)

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