Minimum Payment Option and Low Profit Share Advantage

The practice of granting installments over Credit Cards has been terminated and replaced by the option "Minimum Payment". Article 17 of “the Regulation on Bank Cards and Credit Cards” issued in Official Gazette No. 26458 dated 10/3/2007, and “the Regulation regarding “minimum payments” issued in the Official Gazette dated 17 December 2010 have been changed to read as follows:

For credit cards newly issued to customers after 17 December 2010, the minimum rate of payments will be 40% in the period of first year following the date use started. After the expiration of one year, the minimum rate of payments will be set according to the limit. The minimum payment options on the table will be effective for the cards issued before 17 December 2010.

The profit share rate applicable to the minimum payment option is 2.34%, excluding taxes and funds, as from the last date for payment. This rate is quite advantageous vs. rates applied in the market to credit cards.

"Unit Point” scheme

A "Unit Point” scheme has been introduced for our credit cards. Unit Point equals to TL. (When transactions of expense, payment etc. is cancelled, so is the Unit Point.)

You will win Unit Points in 0.10% of the amount of any shopping you do at any store and in 0.15% of that of any shopping you do at contract stores of our Bank member businesses.

Use Points, Win "Extra Unit Points"

You will win "extra unit points" on your use of points at contract stores.

"Extra Unit Points" even to Your Payments

You will win "Extra Unit Points" in 0.02% of the amount of any credit card debt payment made via automatic payment instructions or our Bank Internet branch or our Bank ATM’s.

"Extra Unit Points" if you request e-mailed account statements

You will win "Extra Unit Points" of 20 Kr per account statement if you request your credit card account statements to be given via e-mail instead of mail.

Using Points, and the Advantage of Using Points on the Internet Branch

You may use your collected unit points either at our Bank contract businesses or in cash as a deduction from your account statement debt by a transaction you make on our Internet Branch.

Security and Chip Card

Türkiye Finans Cards come in with a Chip thereon to provide maximum security.

• What is Chip Card?
  A type of card where card data is kept by a chip on the card instead of a magnetic band so as to boost Credit Card security.
• Why are we changing over to Chip Cards?
  The chip technology minimizes security issues, such as copying, forgery, etc., occurring with magnetic cards.

Documents necessary for application

• Copy of Identity Card,
• Document showing the income,
• Tax Number