Skip to content
Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

Türkiye · 3 cards

Islamic credit cards with no annual fee in Türkiye

3 of the 11 Islamic credit cards on sale in Türkiye have a published annual fee of zero. Use this list to see which ones, then check the profit rate and the conditions before you apply.

How this list is built

Which cards are included
The bank's published annual fee for the main card is zero. Some banks attach a condition to that, such as a spending target from the second year. Where the bank states one, it is printed under the fee.
The order
Alphabetical by bank, then by card name. Every card here has a published annual fee of zero, so there is no fee to rank them by. Check any condition printed under a fee: some are free only in the first year, or only if you spend a set amount.
What this is not
A filter, not a verdict. The order says nothing about which card suits you, and nothing about how sound a card is under Shariah.

The 3 cards at a glance

CardAnnual feeProfit rateMinimum incomeRewards
Sağlam KartKuveyt Türk Katılım BankasıNo annual feeNot publishedNot publishedReward points
Sağlam Kart KampüsKuveyt Türk Katılım BankasıNo annual feeNot publishedNot publishedReward points
Happy Zero KartTürkiye Finans Katılım BankasıNo annual fee3.25% a monthNot publishedReward points

Profit rate is the rate the bank publishes on an unpaid balance, not the APR. Where a bank does not publish a figure we say so rather than estimate it.

Each card in more detail

Kuveyt Türk Katılım Bankası

Sağlam Kart

Altın Puan — points denominated in gold

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuveyt Türk Katılım Bankası

Sağlam Kart Kampüs

No card fee, aimed at students

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Türkiye Finans Katılım Bankası

Happy Zero Kart

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

Annual fee
No annual fee
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

This is a reference, not advice

Whether a particular card is acceptable to you is a question for a scholar you trust. We set out what each bank publishes and link the source on every card page so you can check.

Want every card, not a filtered list?

See every card we index in Türkiye, with the issuers and the contracts they use.