Your credit limit, in your bank in minutes.
SpotCash moves money from any major credit card to your own bank account — fast, KYC-verified and fully transparent. Visit our Turbhe store or transfer from anywhere in India with PayByLink.
Four steps. Under ten minutes.
Minimal paperwork, maximum speed — in store or from home.
Verify once
One-time KYC with Aadhaar, PAN or Voter ID. The name must match your card.
~2 minPay by card
Swipe at our Turbhe store or pay through a secure PayByLink.
~1 min + OTPAdd your bank
Share your own account number and IFSC. Settlement starts immediately.
~1 minGet paid
Money lands in your bank, usually within 3–10 minutes, with an SMS from your bank.
3–10 minEverything your card can do, under one roof.
For individuals, shop owners and businesses across Navi Mumbai and India.
PayByLink — no visit needed
Get a secure payment link on your phone and complete the whole transfer from home, anywhere in India. Money in your bank in about 5–15 minutes.
Explore PayByLinkCredit card to bank
Transfer from any major credit card to your own Indian bank account, settled in minutes.
Learn moreRent & bill payments
Pay house or shop rent and utility bills by card, and keep your card's reward benefits.
Learn moreB2B payments
Pay vendors and suppliers with business cards. Bulk support and custom rates.
Learn moreCredit card EMI
Turn large purchases into monthly instalments, from 3 to 24 months at bank rates.
Learn moreAEPS & DMT
Aadhaar-enabled withdrawals and domestic money transfers across India.
Learn moreTransparent live rates
Check today's rate and your exact charge before you pay — no GST or hidden fees on top.
Learn moreKnow exactly what you get, before you pay.
Our rates come straight from the SpotCash app's live rate engine — the same numbers you'll see when you transfer. Pick your amount, speed and card, and the calculator finds the cheapest option.
Live rates from
- No GST or processing fee on top
- Instant, next-day and 2-day settlement options
- Minimum charge shown upfront
Your card-to-bank desk, in your pocket.
Check live rates, request a PayByLink, track every transfer and manage your cards and bank accounts — all from one secure app.
- Live rates and instant quotes
- Track transfers in real time
- Saved, admin-verified bank accounts
- OTP and KYC protected
Built on trust, run on speed.
A decade of honest pricing and fast service for thousands of customers.
Fast settlement
Most transfers reach your bank in 3–10 minutes.
Bank-grade security
256-bit encryption and KYC on every customer.
Zero hidden charges
The calculator shows the full charge. Nothing extra.
Real people
Our own team on WhatsApp and phone, 9AM–9PM, 7 days.
Questions, answered
Everything you need to know before your first transfer.
How long does a credit card to bank transfer take?
Most transfers settle within 3–10 minutes after payment and OTP verification. Rarely, the receiving bank can take up to 30 minutes.
What does it cost?
Rates are live and depend on your card, amount and settlement speed. See today's rate and your exact charge on our live pricing page. There is no GST or processing fee on top.
Which cards do you accept?
Visa, Mastercard, RuPay and American Express credit cards from HDFC, ICICI, SBI, Axis, Kotak, HSBC, Yes Bank, IndusInd and most other Indian banks.
Do I need to visit your office?
No. With PayByLink you can complete the whole transfer from anywhere in India. You're also welcome at our Turbhe store.
Is SpotCash safe?
SpotCash is run by Metakosh Technologies, serving customers since 2015. Every customer is KYC-verified and every transaction is encrypted.
Ready when you are.
Transfer from the SpotCash app or PayByLink, or walk into our Turbhe store. Our team is a WhatsApp message away.