Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Turkey in 2026? We hold verified data on 43 credit cards in Turkey and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Turkey. It is the set Buzdy has verified data for, from 10 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Turkey
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. Free Card | Akbank | No annual fee | Not published | Digital wallet, Shopping offers | View → |
| 2. Bankkart Platinum | Ziraat Bank | Not published | 29.88% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 3. Paraf Platinum Card | Halkbank | Not published | 29.88% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 4. VakifBank Platinum Card | VakifBank | Not published | 29.88% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 5. CardFinans Platinum | QNB Finansbank | Not published | 35.88% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 6. Deniz Platinum Card | Denizbank | Not published | 35.88% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 7. TEB Bonus Platinum | TEB BNP Paribas | Not published | 35.88% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 8. World Card | Yapi Kredi | Not published | 35.88% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 9. Bankkart Combo | Isbank | Not published | 35.88% per month | Cashback, Dining offers, Digital wallet, Shopping offers | View → |
| 10. Bonus Business Card | Garanti BBVA | Not published | 35.88% per month | Cashback, Dining offers, Digital wallet, Shopping offers | View → |
| 11. Axess Card | Akbank | Not published | Not published | Cashback, Digital wallet, Shopping offers | View → |
| 12. Bankkart Gold | Ziraat Bank | Not published | 29.88% per month | Cashback, Dining offers, Digital wallet, Shopping offers | View → |
| 13. Paraf Business Card | Halkbank | Not published | 29.88% per month | Cashback, Dining offers, Digital wallet, Shopping offers | View → |
| 14. World Card VakifBank | VakifBank | Not published | 29.88% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 15. CardFinans | QNB Finansbank | Not published | 35.88% per month | Cashback, Dining offers, Digital wallet, Shopping offers | View → |
The 15 Credit Cards in Detail
1. Free Card
Bank: Akbank
- Annual fee: No annual fee
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers
The Akbank Free Card is a no-annual-fee credit card in Turkey, offering a fee-free experience with broad benefits and access to Akbank's digital banking ecosystem. It provides contactless payments, online shopping capabilities, and full Akbank Mobile app integration.
2. Bankkart Platinum
Bank: Ziraat Bank
- Annual fee: Not published
- Interest rate: 29.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with airport lounge access, travel insurance, hotel discounts, and highest cashback rates.
3. Paraf Platinum Card
Bank: Halkbank
- Annual fee: Not published
- Interest rate: 29.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with airport lounge access, comprehensive travel insurance, and maximum Paraf point accumulation.
4. VakifBank Platinum Card
Bank: VakifBank
- Annual fee: Not published
- Interest rate: 29.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
High-tier card with airport lounge access, travel insurance, and elevated cashback rates.
5. CardFinans Platinum
Bank: QNB Finansbank
- Annual fee: Not published
- Interest rate: 35.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium offering with airport lounge access, travel insurance, concierge services, and highest cashback rates.
6. Deniz Platinum Card
Bank: Denizbank
- Annual fee: Not published
- Interest rate: 35.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Denizbank premium card with airport lounge access, travel insurance, and highest point-earning rates.
7. TEB Bonus Platinum
Bank: TEB BNP Paribas
- Annual fee: Not published
- Interest rate: 35.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with airport lounge access, travel insurance, and maximum bonus point earning backed by BNP Paribas.
8. World Card
Bank: Yapi Kredi
- Annual fee: Not published
- Interest rate: 35.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Yapi Kredi premium Mastercard with World points, airport lounge access, travel insurance, and lifestyle privileges.
9. Bankkart Combo
Bank: Isbank
- Annual fee: Not published
- Interest rate: 35.88% per month
- Minimum income: Not published
- Verified benefits: Cashback, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
Hybrid debit-credit card combining both card types with cashback on purchases and installment options.
10. Bonus Business Card
Bank: Garanti BBVA
- Annual fee: Not published
- Interest rate: 35.88% per month
- Minimum income: Not published
- Verified benefits: Cashback, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
Business-oriented card offering bonus points on corporate expenses with fuel discounts and installment options at partner merchants.
11. Axess Card
Bank: Akbank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers
The Akbank Axess credit card is Turkey's leading rewards card, offering chip-para (chip money) cashback on purchases, with new applicants earning up to 10,000 TL in chip-para. It provides broad instalment shopping capabilities across partner merchants and full integration with Akbank Mobile banking.
12. Bankkart Gold
Bank: Ziraat Bank
- Annual fee: Not published
- Interest rate: 29.88% per month
- Minimum income: Not published
- Verified benefits: Cashback, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
Mid-tier card with enhanced cashback rates, entertainment and lifestyle privileges.
13. Paraf Business Card
Bank: Halkbank
- Annual fee: Not published
- Interest rate: 29.88% per month
- Minimum income: Not published
- Verified benefits: Cashback, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
Commercial card for business owners with Paraf points on corporate expenses and fuel discounts.
14. World Card VakifBank
Bank: VakifBank
- Annual fee: Not published
- Interest rate: 29.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
VakifBank premium Mastercard World with lounge access, travel insurance, and comprehensive lifestyle rewards.
15. CardFinans
Bank: QNB Finansbank
- Annual fee: Not published
- Interest rate: 35.88% per month
- Minimum income: Not published
- Verified benefits: Cashback, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
QNB Finansbank standard rewards card offering Finan points with discounts at partner retailers and fuel stations.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Turkey
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Central Bank of the Republic of Türkiye (CBRT) public register before you apply
Frequently Asked Questions: Credit cards in Turkey
What is the best credit card in Turkey for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Turkey?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Turkey?
Yes, most major banks in Turkey now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Turkey is supervised by Central Bank of the Republic of Türkiye (CBRT). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Turkey?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Turkey
- All banks in Turkey
- Bank branches across Turkey
- Credit Cards In Turkey 2026
- Personal Loans In Turkey 2026
- Savings Accounts In Turkey 2026
- Turkey EMI calculator
- Turkey savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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