I also got the feature and out of curiosity tapped on it. The next page said 'You're not eligible for this feature yet, we are gradually rolling out this program.' I get sms from cibil if there's any hard enquiry but for this I didn't get any. So I guess no hard enquiry is done for checking eligibility. (I don't have CIBIL subscription so can't check my report and be 100% sure.) And also why would there be a CIBIL enquiry to transfer money from our approved limit in credit card to bank account? It doesn't make sense anyways.