Turkish credit card minimum payment calculator
Enter your statement balance and limit to see the minimum payment, how long the balance takes to clear on minimums, and the total interest.
The minimum payment rate depends on your limit: 20% up to 50,000 TL, 40% above.
40% of the balance16,000 TL
3.75% plus KKDF and BSMV4.875%
Assumes no new spending and exactly the minimum each month. Your bank may charge less; this uses the central bank maximum.
How it works
- The minimum depends on your limit: 20% of the balance for limits up to 50,000 TL, 40% above.
- What you don’t pay carries interest. In 2026 the maximum is 3.25%, 3.75% or 4.25% a month, depending on the balance.
- 15% KKDF and 15% BSMV are added to the interest, so 3.25% becomes 4.225% a month.
Sources: [1][2][3][4]· Last checked: 27 September 2026 · Denkle editorial desk
Common questions
How is the minimum payment calculated?
If your limit is 50,000 TL or less, it is 20% of the statement balance; above that it is 40%. On a 60,000 TL limit, a 40,000 TL balance has a 16,000 TL minimum.
Does interest apply if I pay the minimum?
Yes. The rest of the balance carries purchase interest plus taxes. Pay less than the minimum and the shortfall carries late interest.
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.