Credit Card Minimum Payment Calculator
Enter your card limit and statement balance to see the minimum payment due under Turkey's BDDK rules.
Last updated:
This tool gives an estimate only. It uses Turkey's BDDK credit card minimum payment rules, and your bank's terms may differ. Use the amount on your statement as the final figure.
How Is the Credit Card Minimum Payment Calculated?
Under BDDK (Banking Regulation and Supervision Agency) decision No. 11581 of 1 October 2026, the credit card minimum payment in Turkey depends on the card limit: 20% if the limit is 100,000 TRY or less, 40% if it is above. The minimum on your statement is the total statement balance multiplied by this rate.
Credit Card Minimum Payment Table
The table below shows the minimum payment amounts for different card limit and statement balance scenarios:
| Card Limit | Applied Rate | Statement Balance | Minimum Payment |
|---|---|---|---|
| 10,000 TRY | 20% | 8,000 TRY | 1,600 TRY |
| 50,000 TRY | 20% | 35,000 TRY | 7,000 TRY |
| 100,000 TRY | 20% | 80,000 TRY | 16,000 TRY |
| 150,000 TRY | 40% | 120,000 TRY | 48,000 TRY |
| 250,000 TRY | 40% | 200,000 TRY | 80,000 TRY |
Minimum Payment Rule for Newly Issued Credit Cards (First Year)
There is no separate first-year rate for new cards. The regulation once required 40% in a card's first year; today it leaves the minimum to BDDK, and BDDK's decision of 1 October 2026 looks only at the card limit. Banks cannot go below that rate, but they may ask for a higher minimum.
The same rule applies to new cardholders: 20% if the limit is 100,000 TRY or less, 40% if it is above.
What Are the Consequences of Paying Only the Minimum?
Paying the minimum protects you from late interest, but contractual interest, KKDF (Resource Utilization Support Fund), and BSMV (Banking and Insurance Transactions Tax) continue to accrue on the remaining balance. Over time, the interest paid can add up to several times the original balance.
Contractual Interest, KKDF, and BSMV Charges on the Remaining Balance
After the minimum payment, three separate charges are applied each month to the remaining (revolving) balance:
Contractual Interest
Up to TCMB maximum rate
KKDF
15% (on the interest base)
BSMV
15% (on the interest base)
Effective Monthly Cost = Contractual Interest × (1 + KKDF + BSMV)
Example: 3.5% × (1 + 0.15 + 0.15) = 4.55% effective monthly cost.
Impact on Credit Score (Findeks) and Card Block Risk
Paying the minimum on time does not by itself lower your Findeks credit score, but a high balance relative to your limit can hurt it. Missing the minimum altogether can close the card: under the regulation, three missed minimums in a calendar year close it to cash use, and three in a row close it to cash use and purchases.
Missing the minimum three times in a row closes the card to purchases too, and the limit cannot be raised until the full balance is paid.