Interest Rates & Fees

  TL USD
Retail Interest Rate %1,4 %1,12
Cash Advance Interest Rate %1,4 %1,12
Late Payment Interest Rate %1,7 %1,42
  Primary Card Annual Fee Supplementary Card Annual Fee Renewal Fee* Supplementary Card Renewal Fee*
CardFinans** 145 TL 72,5 TL 15 TL 15 TL
CardFinans Xtra 165 TL 82,5 TL 15 TL 15 TL
CardFinans Fix 0 TL 0 TL 15 TL 15 TL
CardFinans GO (Student)*** 35 TL 17,5 TL 15 TL 15 TL
CardFinans GO (Employee)*** 110 TL - 15 TL 15 TL
CardFinans GO Angry Birds (Student)*** 35 TL - 15 TL 15 TL
CardFinans GO Angry Birds (Employee)*** 83 TL - 15 TL 15 TL
Hemşire Kart - - 15 TL 15 TL
ClubFinans**** 225 TL/186 TL 112,5 TL/93 TL 15 TL 15 TL
QNB First/Xclusive***** 225 TL 112,5 TL/93 TL 15 TL 15 TL
CardFinans Emekli****** 0 TL/40 TL 0 TL/20 TL 15 TL 15 TL
CardFinans Bursaspor 128 TL 64 TL 15 TL 15 TL
Fenerbahçe CardFinans Classic 128 TL 64 TL 15 TL 15 TL
Fenerbahçe CardFinans Gold 145 TL 72,5 TL 15 TL 15 TL
Fenerbahçe CardFinans Platinum 165 TL 82,5 TL 15 TL 15 TL
CardFinans Trabzonspor 128 TL 64 TL 15 TL 15 TL
CardFinans On-Air 128 TL 64 TL 15 TL 15 TL
CardFinans Troy 105 TL 52,5 TL 15 TL 15 TL

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

** Annual fee is 13 TL in the first year and 35 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.

*** Annual fee is 13 TL for the first year of CardFinans GO(Student), CardFinans GO(Employee), CardFinans GO Angry Birds(Student), CardFinans GO Angry Birds(Employee).

**** First year annual fee is 225 TL for ClubFinans, first year annual fee is 112,5 TL for ClubFinans Supplementary Card. No annual card fee will be charged for ClubFinans customers who have annually average savings above 125.000 TL 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.

***** First year annual fee is 112,5 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 125.000 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, 40 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 TL from Branch, 1.50 TL from PTT Matik, 1 TL from PTTBank İnternet Branch and Mobile (BSMV included)
Past Pediod Statement Fee (Printed)******* 10 TL
Past Pediod Statement Fee
(E-mail, Fax, S-posta)*******
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  %1,4 (Retail interest rate is applied on automatic bill payments issued by CardFinans Fix.)
BKM Express SendMoney Transaction Fee (0 – 2000 TL) 1% + 0.5 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 TL (BSMV excluded)
One time/Automated EFT fee from individual credit card (1,000.01 – 50,000 TL)  %1 + 2TL (BSMV excluded)
One time/Automated EFT fee from individual credit card (50,000.01+) %1 + 25 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 + 0,5 TL (BSMV excluded)
One time/Automated transfer fee from individual credit card (1,000.01 – 50,000 TL) %1 + 1TL (BSMV excluded)
One time/Automated transfer fee from individual credit card (50,000.01+) %1 + 12,5 TL (BSMV excluded)

******* This fee is BSMV included and only charged when the statement is issued at least 1 year ago.