1
Bonus Genç
Garanti BBVA · BonusNo fee
+680 TL
680 TL earned
Tell us what you spend. See which Turkish card pays you the most this month.
We read every bank’s offers and card fees and turned them into numbers. All you do is tell us what you spend each month.
Quick start
Groceries12,000TL
8purchases · about 1,500 TL
Fuel4,000TL
4purchases · about 1,000 TL
Eating out3,000TL
6purchases · about 500 TL
Online shopping4,000TL
3purchases · about 1,333 TL
Travel0TL
Spending abroad0TL
Bills you could put on autopay3
Electricity, water, gas, internet, phone. Many banks reward new autopay instructions.
Your ranking
45 cards2
QNB Kredi Kartı
QNB · CardFinans1,286 TL annual fee
+343 TL
450 TL earned · −107 TL fee share
3
Deniz Bonus
DenizBank · Bonus1,075 TL annual fee
+310 TL
400 TL earned · −90 TL fee share
4
Axess Öğrenci
Akbank · Axess272 TL annual fee
+127 TL
150 TL earned · −23 TL fee share
5
Bonus Card
Garanti BBVA · Bonus1,101 TL annual fee
+108 TL
200 TL earned · −92 TL fee share
6
Money Bonus
Garanti BBVA · Bonus1,101 TL annual fee
+108 TL
200 TL earned · −92 TL fee share
7
Wings Black
Akbank · Wings2,106 TL annual fee
+105 TL
280 TL earned · −176 TL fee share
8
Bonus Platinum
Garanti BBVA · Bonus1,440 TL annual fee
+80 TL
200 TL earned · −120 TL fee share
We couldn’t yet confirm the current fee for 7 cards from an official source, so they’re left out of the ranking. Cards
Why the results look different
52Most Turkish cards don’t publish a fixed earn rate. The real rewards come from offers that change every month.
105Offers come with conditions: 3,000 TL in one go, the fourth fuel purchase, purchases on different days. We apply each one to your spending pattern.
÷12We split the annual fee over 12 months and subtract it, so a card with big rewards and a big fee is weighed fairly against a plain free one.
Every figure comes from the bank’s own pages. Last checked: 27 September 2026. How we calculate
Common questions
Which Turkish credit card pays the most?
It depends on how you spend. In Turkey most rewards come from monthly offers with conditions such as a minimum per purchase, a number of purchases or new autopay instructions. Denkle applies those conditions to your spending, subtracts the monthly share of the annual fee and ranks cards by what is left.
Are there Turkish credit cards with no annual fee?
Yes. Under a central bank instruction every bank must offer a no-fee card type, and 12 cards in our list have an officially confirmed fee of zero.
What are Turkish card points worth?
Bonus, MaxiPuan, chip-para and ParafPara points are usually worth 1 TL each. Miles vary: on Wings and Shop&Fly, 100 miles are worth 1 TL on a domestic ticket.
Does Denkle get paid by banks?
If we agree terms with a bank, we may earn a commission when you apply. Rankings come only from the calculation; no bank can pay to move up.