Banks offering fee-free credit cards do not charge cardholders or applicants any membership or recurring fees. Following recent regulations, banks are required to offer fee-free credit cards and refrain from charging customers for these cards. Note that fee-free cards may not include rewards points or installment purchase options; whether such features are available is at the bank’s discretion.
The banks offering fee-free credit cards and the cards they provide are listed below:
- Yapı Kredi – World Eko Kart
- İş Bankası – Maksimum Kart
- TEB – Sade Kart
- Garanti Bankası – Bonus Flexi
- Akbank – Axess Free
- Maximum – Fee-Free Card
- Fix Kart
Yapı Kredi – World Eko Kart
Yapı Kredi’s fee-free World Eko Kart can be used without an annual fee through the end of the year. You can apply at Yapı Kredi branches, via internet banking, or through the mobile app.
Key features of the World Eko Kart include:
- Earn points on purchases and redeem them on future transactions.
- Use contactless payments for purchases under 90 TL and complete transactions quickly.
- Access installment cash advances when you need cash; these advances can be repaid with competitive interest rates.
İş Bankası – Maksimum Kart
İş Bankası’s Maksimum Kart is also available as a fee-free credit card. You can apply in branches or use internet banking, mobile banking, or phone banking to submit your request.
Features of the Maksimum Kart include:
- Earn reward points on purchases and use them as discounts on future transactions.
- Use the card for purchases abroad and earn points on international transactions. Points earned abroad can be redeemed at participating merchants both domestically and internationally.
- Receive supplemental statements for foreign transactions in addition to your standard account statement.
- Settle foreign currency transactions in the currency of the country where you made the purchase up to the payment due date.
- If you miss the payment deadline for a foreign purchase, the outstanding amount may be converted and charged in TL rather than the foreign currency.
- Access your account and perform standard card operations at shared ATMs.
TEB – Sade Kart
Sade Kart from TEB is a fee-free credit card. You can apply at TEB branches or through the mobile app and internet banking. Other features of the Sade Kart include:
- Withdraw cash advances at TEB ATMs or other banks’ ATMs when you need cash, with reasonable interest rates for repayment.
- For purchases of 100 TL or more, you can opt for up to 12 months of installments; some purchases over 100 TL may qualify for a 50% discount on cinema tickets.
- Request electronic delivery of your account statement by instructing the bank to send it via email.
Garanti Bankası – Bonus Flexi
Garanti Bank’s Bonus Flexi (Bonux Flexi) is a fee-free card option. You can apply via internet banking, mobile banking, ATMs, or directly at a branch.
Bonus Flexi features include:
- Earn bonus points on purchases; bonus points can be redeemed for a monetary equivalent when you shop.
- Potentially earn additional bonus points (around 50 TL worth) based on your annual spending.
- Take cash advances if needed; cash advances typically carry lower interest rates.
- When you face difficulty paying your card balance, you may have options to defer amounts to the next month.
- Pay bills such as electricity, water, gas, and phone via internet banking or the mobile app.
- Installment options are not standard for this card; to arrange instalments you may need to visit a branch or contact customer service.
- Some restrictions may apply; for example, Bonus Flexi may not be eligible for certain technology purchases.
Akbank – Axess Free
Akbank’s Axess Free card is offered as a fee-free credit card that also allows you to earn points on purchases. Apply at Akbank branches, via internet banking, or through the mobile app.
Benefits of the Axess Free fee-free card include:
- Earn and redeem points for discounts on future purchases.
- Ability to pay for purchases in installments.
- Withdraw cash advances on competitive terms when you need liquidity.
- Set up automatic bill payments to avoid monthly effort for recurring bills.
- The bank monitors spending to protect customers and provides notifications on relevant controls.
- If you cannot pay your balance in full, you can request installment plans to repay your debt at reasonable rates.
- Outstanding balances can sometimes be deferred to later months if needed, subject to bank approval.
- Set up standing orders, for example to ensure timely rent payments each month.
Maximum Fee-Free Card
The Maximum fee-free credit card can be used without any annual fee. For one-time purchases you prefer to pay in installments, contact the bank to request installment options or payment relief. If you cannot immediately pay for a purchase, you may request a deferral. In cash-tight situations you can take a cash advance with the card and, if eligible, spread repayments over up to 12 months.
Additional advantages of the Maximum fee-free card include:
- Use contactless payments for faster checkout.
- Request additional installment plans for purchases by contacting the bank.
- Earn extra “maxi” points through campaigns and redeem them on future purchases.
- Benefit from valet discounts at participating shopping centers.
- Earn bonus maxi points at partner merchants and use them later.
- Receive extra points for eligible international purchases.
- Participate in various gift and product campaigns available to cardholders.