Today very few people do not use credit cards. Due to economic conditions and personal needs, many individuals rely on credit cards. It is also rare for someone to use just a single card; most people hold multiple credit cards.
Because credit cards often carry an annual fee, cardholders can end up paying yearly charges for each card. Some banks offer no-fee credit card options for customers who want to avoid annual fees.
The current list of banks offering no-annual-fee credit cards for 2021 allows consumers to compare options between banks. Those who prefer cards without yearly charges can choose the bank and card that best suit their needs.
Which Banks Offer No-Annual-Fee Credit Cards?
Cardholders with multiple credit cards may find it difficult to pay all the annual fees each bank charges. Many banks recognize this and provide solutions by offering credit cards without annual fees.
The banks offering no-annual-fee cards include:
- İş Bankası
- Ziraat Bankası
- Yapı Kredi Bankası
- Akbank
- Garanti BBVA
- M
- Halkbank
- QNB Finansbank
- HSBC
- ING Bank
- Denizbank
- Kuveyt Türk
These banks provide cards without annual fees. You can choose the one that best fits your needs and submit your card application accordingly.
How to Apply for İş Bankası No-Fee Credit Card
İş Bankası issues the Maximum card, which is available without an annual fee. To obtain a Maximum card, you need to apply to İş Bankası.
If you are not yet a customer, visit your nearest İş Bankası branch to open an account. Once you are a customer, you can apply for a fee-free credit card. Ways to apply for a fee-free Maximum card include:
Apply in branch:
- Go to your nearest İş Bankası branch and tell the representative you want to apply. Bring your identification document.
Apply by SMS:
- On your mobile phone, open the SMS app and send AIDATSIZ followed by a space and your ID number to 4402.
If the bank approves your application, your card will be activated and ready for use.
How to Apply for Ziraat Bank No-Fee Credit Card
Ziraat Bankası offers a variety of cards tailored to different needs. For customers who want a card without an annual fee, Ziraat Bankası provides the Combo card, which has no yearly fee.
To apply for the Combo no-fee card:
- You must be a Ziraat Bank customer. Visit a Ziraat branch or apply through the bank’s official channels to become a customer.
- If you are already a customer, you can apply by SMS: send COMBO followed by a space and your ID number to 4757 from your mobile phone.
The bank will review your request and contact you. If approved, your Combo card will be issued without an annual fee.
How to Apply for Yapı Kredi No-Fee Credit Card
Yapı Kredi offers the World Eko card without an annual fee. It is a convenient option for existing Yapı Kredi customers and also available to new applicants.
If you are not a customer, visit the nearest Yapı Kredi branch to open an account. Application channels for the World Eko card include:
Internet banking:
- Log in to Yapı Kredi’s website with your ID and password, go to the Card Requests section, and apply for the World Eko card.
By SMS:
- Send WORLD followed by a space and your ID number to 4707 from your mobile phone.
Online instant application (even if you are not a customer):
- Go to Yapı Kredi’s website, find the Credit Card Application section, fill in the required information and submit your request.
You can also call customer service at 444 0 444 and follow the menu by pressing 5 then 1 to apply for a credit card.
How to Apply for Akbank No-Fee Credit Card
Akbank offers the Axess Free card, which carries no annual fee. Axess Free is designed to provide customers with a no-fee credit card option.
Ways to apply for Axess Free:
- Call customer service at 444 25 25 and request an Axess Free card.
- Send an SMS with FREE followed by a space and your ID number to 5990 from your mobile phone.
How to Apply for Garanti BBVA No-Fee Credit Card
Garanti BBVA’s Bonus Flexi card is another no-annual-fee option. If you are not a customer, visit a nearby branch to open an account first.
To apply for the Bonus Flexi no-fee card:
- Submit your application at a Garanti BBVA branch.
To apply by SMS:
- Send BFLEXI followed by a space and your ID number to 3340 from your mobile phone.
The bank will process your request and notify you of the outcome.
How to Apply for Vakıfbank No-Fee Credit Card
Vakıfbank offers the Express Card and Tercih Kart without annual fees. Customers who choose these cards do not pay yearly charges.
To apply for Express Card or Tercih Kart:
In branch:
- Visit your nearest Vakıfbank branch and apply for the Express Card or Tercih Kart with a bank representative.
Online:
- Go to Vakıfbank’s website, enter the Individual section and navigate to Cards and Credit Cards.
- Select the card you want and click the Apply Now button.
- Complete the required fields on the subsequent form to submit your application.
How to Apply for Halkbank No-Fee Credit Card
Halkbank offers the Halkcard as a no-annual-fee credit card. Halkcard holders do not pay an annual charge—only for the purchases they make.
Halkcard applications are accepted only in branch. Visit your nearest Halkbank branch and apply through a bank representative.
How to Apply for QNB Finansbank No-Fee Credit Card
QNB Finansbank’s Fix Card is offered without an annual fee and can be used as either a debit or credit card.
To apply for the Fix Card:
- Apply via the QNB Finansbank website. Go to the Cards section, choose Fix Card and click Apply Now.
- Enter your ID and mobile phone number to complete the application.
How to Apply for HSBC No-Fee Credit Card
HSBC is among the banks offering no-annual-fee cards. HSBC’s Concept card is available without a yearly fee and can be applied for through several channels.
By phone banking:
- Call 0850 211 0 111 to apply for the Concept card.
Online:
- Visit the HSBC website and complete the required fields to submit your application.
In branch:
- Go to an HSBC branch, tell the representative you want to apply for the Concept card, and complete the application with your ID.
The bank will evaluate your request and notify you if the card is approved.
How to Apply for ING Bank No-Fee Credit Card
ING Bank also offers a no-annual-fee option with its Light card. Light cardholders do not pay an annual fee while using the card.
If you are not an ING customer, you must have an account to apply for the Light card. Open an account at a local ING branch or via the bank’s website.
To apply for the Light no-fee card:
- Applications for the Light card are accepted via phone banking. Call 0850 222 0 600 and speak with a customer representative to submit your application.
How to Apply for Denizbank No-Fee Credit Card
Denizbank offers the Net Card without an annual fee. There are multiple ways to apply for the Net Card.
Apply for the Net Card via:
- Denizbank Internet Banking
- MobilDeniz mobile app
- DenizKartım app
- Denizbank ATMs
- Denizbank contact center at 0850 222 0 800
- By SMS: send NET followed by a space and your ID number to 3280 from your mobile phone
How to Apply for Kuveyt Türk No-Fee Credit Card
Kuveyt Türk offers the Sağlam Nakit Kart as a no-annual-fee credit card. Applications for the Sağlam Nakit Kart are made at Kuveyt Türk branches. Visit your nearest branch to apply.
This article outlined the updated list of banks offering no-annual-fee credit cards in 2021 and described the available application methods.