Credit Card Interest Rates Have Changed
The Central Bank of the Republic of Turkey (CBRT) has made alterations to the interest rates applied to credit cards. This decision was published in the Official Gazette. Accompanying this decision, the limit ranges were updated and the interest rates were reduced. The revised rates will come into effect starting from January 1, 2026.
The interest rates on credit cards have been altered.
The 'Communiqué on the Amendment of the Communiqué on Maximum Interest Rates to be Applied in Credit Card Transactions' has been published in the Official Gazette and came into effect. The upper limit for credit card transactions in Turkish Lira, with a period debt less than 25,000 TL, has been updated. Consequently, the upper limit has been raised to 30,000 lira.
The base point, which is used in the calculation of the maximum interest rate and added to the active interest rate, was reduced from 39 to 14.
The new rates will come into effect as of January 1, 2026.
The limit range for credit cards with a period debt between 25,000 TL and 150,000 TL has been updated to range from 30,000 TL to 180,000 TL. The base point considered in the interest calculation for these cards has been reduced from 89 to 64.
The upper limit applied to credit cards with a period debt exceeding 150,000 TL has been raised to 180,000 TL. The base point used to determine the maximum interest rate in this group has been pulled down from 139 to 114.
The new maximum interest rates will be announced to the public by the Central Bank on December 25th. The rates will come into effect as of January 1, 2026.
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