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Islamic Credit Cards
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Türkiye Finans Katılım Bankası · Fully Islamic bank

Happy Zero Kart

No annual fee, with the same Bonus benefits as the rest of the Happy range

No annual feeother
Annual fee
No annual fee
Profit rate
3.25%

a month on the outstanding balance

Minimum income
Not published
Rewards
Reward points

Read it from the source

What makes this card Islamic

The bank does not name the contract

We could not find Türkiye Finans Katılım Bankası stating which Shariah contract this card is built on. That is not the same as saying the card is non-compliant, but it does mean you cannot check the reasoning for yourself. Ask the bank which structure it uses, and for its Shariah board’s approval, before you apply.

Approved by Türkiye Finans Danışma Komitesi; sector-level standards from TKBB's Merkezî Danışma Kurulu, under the supervision of Bankacılık Düzenleme ve Denetleme Kurumu (BDDK); TCMB for card rate ceilings.

What it costs

Every figure below comes from Türkiye Finans Katılım Bankası’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee
No annual fee'Aidatsız' — no annual card fee is collected from the cardholder. Türkiye Finans defines kredi kartı aidatı as the annual operating charge a bank levies once you start using the card; on Happy Zero it is not charged.source
Profit rate
3.25% a month on the outstanding balanceSame tiered Akdi Kar Payı Oranı as the rest of the Türkiye Finans card range: 3.25% / 3.75% / 4.25% a month by period-debt band, effective 01.01.2026, BSMV excluded. The value recorded is the lowest band.
Cash withdrawal
1% up to TL 25,000; flat TL 250 above, plus the Enflasyon Farkı.
Late payment
Gecikme Cezası Oranı 3.55% / 4.05% / 4.55% a month by period-debt band.Gecikme Cezası Oranı 3.55% / 4.05% / 4.55% a month by period-debt band.

What you get back

  • Türkiye Finans states Happy Zero 'diğer Happy Kartlar gibi bonus avantajlarından yararlanmanızı sağlar' — it keeps the Bonus advantages of the other Happy cards

Other benefits

  • No annual card fee at all
  • Retains the Bonus programme benefits of the wider Happy range

Before you apply

  • 'No annual fee' says nothing about the cost of carrying a balance — the akdi kâr payı rate is the same tiered 3.25-4.25% a month as the rest of the range.
  • The inflation differential on cash advances applies here too.

Can you get it?

Other conditions
Not published on the pages read.

Where these figures come from

Last checked against Türkiye Finans Katılım Bankası’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

  • “Aidatsız kredi kartı nedir? ... Happy Zero Kart Türkiye Finans'ın müşterilerine sunduğu aidatsız kredi kartıdır ve diğer Happy Kartlar gibi bonus avantajlarından yararlanmanızı sağlar.”

What we could not verify

Türkiye Finans Katılım Bankası does not publish network, tier, supplementary card fee, minimum income, minimum age, maximum age, foreign currency markup, replacement card fee, over-limit fee, shariah contract, takaful cover for this card, so we have left those blank rather than guess. If you need one of them, ask the bank directly and hold them to the answer in writing.

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