Türkiye · 2 cards

Türkiye Finans Katılım Bankası Islamic credit cards

Every Shariah-compliant card Türkiye Finans Katılım Bankası currently offers, with the contract behind each one and the fee schedule it came from.

Fully Islamic bank1 with no annual fee

Who Türkiye Finans Katılım Bankası are

A fully Islamic bank — every product it offers is Shariah-compliant.

The most TRANSPARENT of the Turkish participation banks on card pricing — the only one whose credit-card rates rendered in full: a tiered monthly Akdi Kar Payı Oranı of 3.25% / 3.75% / 4.25% and a Gecikme Cezası Oranı of 3.55% / 4.05% / 4.55%, banded at TL 30,000 and TL 180,000 of period debt, effective 01.01.2026. It states its participation-banking posture explicitly in two places worth quoting: it applies a late 'penalty' rather than late 'interest', and it does NOT offer instalment cash advances on Happy Bonus cards because participation-banking principles do not permit it. Its cash advances carry an 'Enflasyon Farkı' — an inflation adjustment based on TÜİK's latest CPI, capped at the bank's monthly profit-share rate — which is the participation-banking substitute for charging profit on a cash loan. Happy Zero is its no-annual-fee card.

Legal name: Türkiye Finans Katılım Bankası A.Ş.
Parent group: The National Commercial Bank (NCB) of Saudi Arabia — the bank's own site carries an 'NCB Hakkında' section
Head office: Istanbul, Türkiye
Regulator: Bankacılık Düzenleme ve Denetleme Kurumu (BDDK); TCMB for card rate ceilings
Shariah board: Türkiye Finans Danışma Komitesi; sector-level standards from TKBB's Merkezî Danışma Kurulu

turkiyefinans.com.tr