Maximum Interest Rates for Credit Cards
The maximum interest rates to be applied in credit card transactions are calculated within the framework of the method determined by the Communiqué on Maximum Interest Rates to be Applied in Credit Card Transactions No: 2020/16 and are announced on this page on the fifth business day from the last of each month.
The reference rate to be used in calculating maximum interest rates to be applied to credit card transactions by banks is calculated and announced by the method determined within the scope of the Communiqué on the Procedures and Principles Regarding the Fees That Banks Can Charge Their Commercial Clients No: 2020/4.
The interest rates below are the maximum rates valid for the relevant periods, and banks freely determine the interest rates to be applied to credit card transactions, provided that they do not exceed these ceiling rates.
In addition, it is stipulated in the Communiqué on Deposit and Loan Interest Rates and Participation Accounts Profit and Loss Participation Rates No:2020/3 that the maximum contractual and overdue interest rates to be applied in overdraft accounts cannot exceed the maximum rates determined by CBRT.
On the other hand, in accordance with Article 1 of the Banking Regulation and Supervision Board Decision No. 10972 dated 26/9/2024, and Article 1 of its Decision No. 11240 dated 10/7/2025, the monthly contractual interest rate to be applied in case of restructuring of credit card debts cannot exceed the monthly reference rate (3,11%). The monthly maximum overdue interest rate to be applied in such transactions is the highest overdue interest rate determined within the scope of Article 5 of the Communiqué on Maximum Interest Rates to be Applied in Credit Card Transactions No: 2020/16.
| Validation Date | Reference Rate (%) | Turkish Lira | Foreign Exchange | ||||||||
| Credit Card Transactions | Cash Withdrawal or Usage Transactions** | Credit Card Transactions | |||||||||
| The Debt of the Period | |||||||||||
| Under 25.000 TL | Between 25,000-150,000 TL |
Over 150,000 TL* | |||||||||
| *Also valid for all corporate credit card transactions, regardless of the debt of the period. | **Also applies to overdraft accounts | ||||||||||
| Maximum Contractual Interest Rates (%) | Maximum Overdue Interest Rates (%) | Maximum Contractual Interest Rates (%) | Maximum Overdue Interest Rates (%) | Maximum Contractual Interest Rates (%) | Maximum Overdue Interest Rates (%) | Maximum Contractual Interest Rates (%) | Maximum Overdue Interest Rates (%) | Maximum Contractual Interest Rates (%) | Maximum Overdue Interest Rates (%) | ||
| 1/10/2025 | 3,11 | 3,50 | 3,80 | 4,00 | 4,30 | 4,50 | 4,80 | 4,50 | 4,80 | 3,15 | 3,45 |
| 1/9/2025 | 3,11 | 3,50 | 3,80 | 4,00 | 4,30 | 4,50 | 4,80 | 4,75 | 5,05 | 3,33 | 3,63 |
| 1/8/2025 | 3,11 | 3,50 | 3,80 | 4,00 | 4,30 | 4,50 | 4,80 | 4,75 | 5,05 | 3,33 | 3,63 |
| 1/7/2025 | 3,11 | 3,50 | 3,80 | 4,25 | 4,55 | 4,75 | 5,05 | 5,00 | 5,30 | 3,50 | 3,80 |
| 1/6/2025 | 3,11 | 3,50 | 3,80 | 4,25 | 4,55 | 4,75 | 5,05 | 5,00 | 5,30 | 3,50 | 3,80 |
| 1/5/2025 | 3,11 | 3,50 | 3,80 | 4,25 | 4,55 | 4,75 | 5,05 | 5,00 | 5,30 | 3,50 | 3,80 |
| 1/4/2025 | 3,11 | 3,50 | 3,80 | 4,25 | 4,55 | 4,75 | 5,05 | 5,00 | 5,30 | 3,50 | 3,80 |
| 1/3/2025 | 3,11 | 3,50 | 3,80 | 4,25 | 4,55 | 4,75 | 5,05 | 5,00 | 5,30 | 3,50 | 3,80 |
| 1/2/2025 | 3,11 | 3,50 | 3,80 | 4,25 | 4,55 | 4,75 | 5,05 | 5,00 | 5,30 | 3,50 | 3,80 |
| 1/1/2025 | 3,11 | 3,50 | 3,80 | 4,25 | 4,55 | 4,75 | 5,05 | 5,00 | 5,30 | 3,50 | 3,80 |
| 1/12/2024 | 3,11 | 3,50 | 3,80 | 4,25 | 4,55 | 4,75 | 5,05 | 5,00 | 5,30 | 3,50 | 3,80 |
| 1/11/2024 | 3,11 | 3,50 | 3,80 | 4,25 | 4,55 | 4,75 | 5,05 | 5,00 | 5,30 | 3,50 | 3,80 |