I do not think there is any method of transferring from credit card to bank account without minimum charges. Also, it is not illegal as far as I know to transfer money from card to bank account. In fact, RBI is reviewing of linking UPI with credit card in coming days. So it might change parameters of transferring money from credit card. As far as I have experienced, PayTm wallet was one option of transferring money from credit card to bank account which charges these transaction around 3-5%. Mobiqwik is another wallet who allows such transfer with 2-3% transaction charges. There are other few wallets who offers such service! You can check with MoneyGram and Western Union options too.Now, What is the best working method for CC to bank transfer without any Charges?