Interest Rates & Fees

CardFinans Classic CardFinans Gold CardFinans Platinum CardFinans Go ClubFinans ClubFinans Xclusive
Retail Interest Rate (TL) % 2,34 % 2,34 % 2,34 % 2,34 % 2,34 % 2,34
Cash Advance Interest Rate (TL) % 2,34 % 2,34 % 2,34 % 2,34 % 2,34 % 2,34
Late Payment Interest Rate (TL) % 2,84 % 2,84 % 2,84 % 2,84 % 2,84 % 2,84
Retail Interest Rate (USD) % 1,70 % 1,70 % 1,70 % 1,70 % 1,70 % 1,70
Cash Advance Interest Rate (USD) % 1,70 % 1,70 % 1,70 % 1,70 % 1,70 % 1,70
Late Payment Interest Rate (USD) % 2,20 % 2,20 % 2,20 % 2,20 % 2,20 % 2,20
Fees (TL)
Card Fee & Annual Fee (TL) * 45 TL 55 TL 75 TL 10 TL
(Card Fee)
25 TL
(Annual Fee)
200 TL **
(Card Fee)
150 TL
(Annual Fee)
500 TL ***
(Card Fee)
250 TL
(Annual Fee)
Supplementary Card Fee (TL) * 22,5 TL 27,5 TL 37,5 TL   100 TL
(Card Fee)
75 TL
(Annual Fee)
100 TL
(Card Fee)
75 TL
(Annual Fee)
Renewal Fee (TL) * 10 TL 10 TL 10 TL 10 TL 10 TL 10 TL
Supplementary Card Renewal Fee (TL) 5 TL 5 TL 5 TL 5 TL 5 TL
Debt Notification Fee (TL) **** 1,5 TL 1,5 TL 1,5 TL 1,5 TL 1,5 TL 1,5 TL
Payment Channels Fee (PTT) ***** 1,5 TL 1,5 TL 1,5 TL 1,5 TL 1,5 TL 1,5 TL
Payment Channels Fee (Halkbank) ****** 2,5 TL 2,5 TL 2,5 TL 2,5 TL 2,5 TL 2,5 TL
Fees for foreign transactions
Finansbank Alternative Distribution Channels Cash Advance Fee 5 TL + 3,2% of the Amount of Cash Advance 5 TL + 3,2% of the Amount of Cash Advance 5 TL + 3,2% of the Amount of Cash Advance 5 TL + 3,2% of the Amount of Cash Advance 5 TL + 3,2% of the Amount of Cash Advance 5 TL + 3,2% of the Amount of Cash Advance
Foreign Cash Advance Fee (USD) 6 $ + 3,2% of the Amount of Cash Advance 6 $ + 3,2% of the Amount of Cash Advance 6 $ + 3,2% of the Amount of Cash Advance 6 $ + 3,2% of the Amount of Cash Advance 6 $ + 3,2% of the Amount of Cash Advance 6 $ + 3,2% of the Amount of Cash Advance
Foreign Cash Advance Fee (TL) 10 TL + 3,2% of the Amount of Cash Advance 10 TL + 3,2% of the Amount of Cash Advance 10 TL + 3,2% of the Amount of Cash Advance 10 TL + 3,2% of the Amount of Cash Advance 10 TL + 3,2% of the Amount of Cash Advance 10 TL + 3,2% of the Amount of Cash Advance
Domestic Cash Advance Fee via Other Banks 10 TL + 3,2% of the Amount of Cash Advance 10 TL + 3,2% of the Amount of Cash Advance 10 TL + 3,2% of the Amount of Cash Advance 10 TL + 3,2% of the Amount of Cash Advance 10 TL + 3,2% of the Amount of Cash Advance 10 TL + 3,2% of the Amount of Cash Advance
Installment Cash Advance Fee 12 TL + 3,2% of the Amount of Cash Advance 12 TL + 3,2% of the Amount of Cash Advance 12 TL + 3,2% of the Amount of Cash Advance 12 TL + 3,2% of the Amount of Cash Advance 12 TL + 3,2% of the Amount of Cash Advance 12 TL + 3,2% of the Amount of Cash Advance

* For CardFinans Bursaspor and CardFinans Sivasspor, card fee and annual fee for main card and supplementary card is TL 55 and TL 27,5 respectively. Card renewal fee for main card and supplementary card is TL 10 and TL 5 respectively. For CardFinans On-Air card fee and annual fee for main card and supplementary card is TL 55 and TL 27,5 respectively. Card renewal fee for main card and supplementary card is TL 10 and TL 5 respectively.
** No ClubFinans card fee will be charged to customers who have average savings of 20.000 TL and more in deposit and investment products of Finansbank in a calendar month.
*** No ClubFinans Xclusive card fee will be charged to customers who have average savings of 50.000 TL and more in deposit and investment products of Finansbank in a calendar month.
**** The fee charged for any notification made by Finansbank to notify/remind amount of debt and payment due date, in the event that card holders fails to make CardFinans payments regularly.
***** The fee charged for payment of CardFinans debt via PTT on-line channel.
****** The fee charged for payment of CardFinans debt via Halkbank Branches.