Interest Rates and Card Fees

	TL	USD
Retail Interest Rate	%1.89	%1.51
Cash Advance Interest Rate	%1.89	%1.51
Late Payment Interest Rate	%2.19	%1.81

	Primary Card Annual Fee	Supplementary Card Annual Fee	Renewal Fee*	Supplementary Card Renewal Fee*
CardFinans**	162 TL	81 TL	15 TL	15 TL
CardFinans Xtra	184 TL	92 TL	15 TL	15 TL
CardFinans Fix	0 TL	0 TL	15 TL	15 TL
Hemşire Kart	-	-	15 TL	15 TL
QNB First/Xclusive***	251 TL	125,5TL/104TL	15 TL	15 TL
CardFinans Emekli****	0 TL/44,5 TL	0 TL/22,25 TL	15 TL	15 TL
Fenerbahçe CardFinans Classic	143 TL	71,5 TL	15 TL	15 TL
Fenerbahçe CardFinans Gold	162 TL	81 TL	15 TL	15 TL
Fenerbahçe CardFinans Platinum	184 TL	92 TL	15 TL	15 TL
CardFinans Trabzonspor	143 TL	71,5 TL	15 TL	15 TL
CardFinans Troy	117 TL	58,5 TL	15 TL	15 TL

You can reach annual fees of other credit cards, which are not on sale, but used by our customers from the following link https://www.qnbfinansbank.com/yasal/urun-hizmet-ucretleri.

* BSMV included. The first 2 renewal is free of charge in every calendar year.

** Annual fee is 14.5 TL in the first year and 39 TL in the following years for CardFinans given to students aged between 18 and 25 years. Students aged 25 and over will be charged with the annual fee of CardFinans, which is currently up to date.

*** First year annual fee is 125,5 TL for QNB First/Xclusive Supplementary Card. No QNB First card fee will be charged for the first year to customers who have average savings of 150.000 TL more in deposit and investment products of QNB Finansbank in a calendar month. Savings in enpara.com will not be included to annually average savings in QNB Finansbank. QNB Finansbank reserves the right to change the conditions. Customers will be informed in case of a change.

**** No annual fees will be charged during the first year of CardFinans Emekli Card. For the following year, 44,5 TL annual fee will be charged at the end of the 12th month of after the first usage of the card. Every following year updated annual fee will be reflected on the statement. If at least one automated bill payment is done by CardFinans Emekli credit card on a regular basis, no annual fees will be charged. If the conditions for annual fee waiver is not met, customers will be informed about the annual fee via their statement.

QNB Finansbank Alternative Distribution Channels Cash Advance Fee	1% of the Amount of Cash Advance
Foreign Cash Advance Fee (for USD statements)	3% of the Amount of Cash Advance
Foreign Cash Advance Fee (for TL statements)	3% of the Amount of Cash Advance
Domestic Cash Advance Fee via Other Banks	0,5 TL + 3,5% of the Amount of Cash Advance

QNB Finansbank Alternative Distribution Channels Cash Advance Fee	1% of the Amount of Cash Advance
Foreign Cash Advance Fee (for USD statements)	3% of the Amount of Cash Advance
Foreign Cash Advance Fee (for TL statements)	3% of the Amount of Cash Advance
Domestic Cash Advance Fee via Other Banks	0,5 TL + 3,5% of the Amount of Cash Advance

PTT Payment Fee	4.50 TL from Branch, 1.75 TL from PTT Matik, 1.25 TL from PTTBank İnternet Branch and Mobile (BSMV included)
Past Pediod Statement Fee (Printed)*******	10 TL
Past Pediod Statement Fee (E-mail, Fax, Digital statement )*******	5 TL
SGK Transaction Fee	QNB Finansbank Payment Channel 2,5%, BSMV Excluding (Minimum 5 TL)
SGK Transaction Fee	SGK Payment Channel 2,50%, Including BSMV
One-Time Utility Payment Fee	2,5%, minimum 5,5 TL (BSMV included)
Automatic Bill Payment Fee	%1,25 (Retail interest rate is applied on automatic bill payments issued by CardFinans Fix.)
BKM Express SendMoney Transaction Fee (0 – 2000 TL)	1% + 0.57 TL (BSMV included)
One time loading fee to İstanbulkart from individual credit card	1.5 TL (BSMV included)
Automated EFT fee from individual credit card	%1 + 1 TL (BSMV excluded)
One time/Automated EFT fee from individual credit card (0 – 1,000 TL)	%1 + 1.14 TL (BSMV excluded)
One time/Automated EFT fee from individual credit card (1,000.01 – 50,000 TL)	%1 + 2.29 TL (BSMV excluded)
One time/Automated EFT fee from individual credit card (50,000.01+)	%1 + 28.65 TL (BSMV excluded)
Automated Transfer fee from individual credit card	%1 + 0.5 TL (BSMV excluded)
One time/Automated transfer fee from individual credit card (0 – 1,000 TL)	%1 + 0,57 TL (BSMV excluded)
One time/Automated transfer fee from individual credit card (1,000.01 – 50,000 TL)	%1 + 1.14 TL (BSMV excluded)
One time/Automated transfer fee from individual credit card (50,000.01+)	%1 + 14,32 TL (BSMV excluded)

******* The fee is only charged when the statement is issued at least 1 year ago. BSMV Included.

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Interest Rates and Card Fees

Interest Rates

Annual Fees

Cash Advance Fees

CardFinans Fix Cash Advance Fees

Other Fees

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