Attention credit card users! Starting tomorrow, interest rates are decreasing.

31.07.2025 12:07

The Banking Regulation and Supervision Agency (BRSA) has reduced credit card interest rates. With the new regulation, both shopping and late payment interest rates have decreased, and improvements have also been made to cash advances and overdraft accounts. Accordingly, starting from tomorrow (August 1), credit card interest rates will be lowered.

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The Central Bank of the Republic of Turkey, which has lowered the policy interest rate, has also reduced the interest rates applied to credit cards. The new rates will be effective from tomorrow. So, which cards will be reduced and by how much?

INTEREST RATES WILL BE DETERMINED BASED ON THE DEBT AMOUNT

For those with credit card debts below 25,000 TL, the monthly contractual interest rate has been kept fixed at 3.50%.

For debts between 25,000 and 150,000 TL, the interest rate has been reduced from 4.25% to 4.00%.

For individual and all corporate cards with debts over 150,000 TL, the rate has been lowered from 4.75% to 4.50%.

For cash advances and overdraft accounts, the interest rate of 5% has been reduced to 4.75%.

LATE FEES HAVE ALSO DECREASED

Interest rates for overdue debts have also been revised downwards:

For debts below 25,000 TL, the late fee remains fixed at 3.80%.

For debts between 25,000 and 150,000 TL, it has been reduced from 4.55% to 4.30%.

For individual and corporate cards with debts over 150,000 TL, it has been lowered from 5.05% to 4.80%.

ATTENTION CASH ADVANCE USERS!

There is also a decrease in the interest rates for cash advances and overdraft accounts:

Contractual interest has been reduced from 5% to 4.75%

Late fee has been lowered from 5.30% to 5.05%.

INTEREST HAS ALSO DECREASED IN FOREIGN CURRENCY TRANSACTIONS

The maximum contractual interest for transactions made in foreign currency is 3.33%, and the late fee is 3.63%.

HOW MUCH IS THE REPAYMENT OF A 25,000 TL CASH ADVANCE?

According to the new interest rates, a user withdrawing 25,000 TL from a credit card:

Will pay 9,383 TL per month for 3 months, totaling 28,149 TL,

Will pay 5,112 TL per month for 6 months, totaling 30,672 TL in repayment.

In other words, if the user makes the repayment in 3 months, they will have paid 3,149 TL in interest, and if they do it in 6 months, they will have paid 5,672 TL in interest.