Denkle / Turkish credit card interest rates 2026
Turkish credit card interest rates 2026
The central bank’s maximum monthly rates for credit card balances. Banks can charge less, never more.
| Purchase rate (monthly) | With taxes | Late rate (monthly) | |
|---|---|---|---|
| Balance under 30,000 TL | 3.25% | 4.225% | 3.55% |
| Balance 30,000 to 180,000 TL | 3.75% | 4.875% | 4.05% |
| Balance over 180,000 TL | 4.25% | 5.525% | 4.55% |
| Cash advance (TL) | 4.25% | 5.525% | 4.55% |
| Foreign currency transactions | 2.98% | 3.874% | 3.28% |
| Restructured card debt | 3.11% | 4.043% | · |
“With taxes” adds 15% KKDF and 15% BSMV. Rates have not changed since 1 January 2026. Last checked: 27 September 2026. TCMB
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Common questions
What is the credit card interest rate in Turkey in 2026?
The central bank’s maximum monthly rate by statement balance: 30,000 TL under 3.25%, 30,000 to 180,000 TL 3.75%, 180,000 TL and over 4.25%. Late interest: 30,000 TL under 3.55%, 30,000 to 180,000 TL 4.05%, 180,000 TL and over 4.55%. 15% KKDF and 15% BSMV are added.
How much is cash advance interest?
In 2026 the maximum is 4.25% a month, with 4.55% late interest. With taxes that is 5.525% a month.