Türkiye credit-card rate cap at 3.75%: one-month cost of TRY 100,000

The CBRT schedule effective September 1, 2026 caps monthly contractual interest on lira credit-card purchases at 3.25%, 3.75% or 4.25%, depending on statement balance. TRY 100,000 falls in the middle tier: simple one-month interest is TRY 3,750 at the contractual cap and TRY 4,050 at the late-payment cap, before taxes and fees.

FinRateX ResearchPublished: September 9, 2026 · 12:38 PM TRTUpdated: September 9, 2026 · 12:38 PM TRTTürkçe oku

Text-free editorial scene with an unbranded payment card, calculator and Turkish lira coins — Card-debt cost depends on the statement-balance tier and whether the transaction is a purchase, cash use or overdraft. Illustrative image: FinRateX.

TRY 100,000 balance%3.75monthly contractual cap

Simple monthly cost3.750 TLbefore taxes and fees

Late-payment rate%4.05TRY 100,000 balance tier

Cash / overdraft%4.25monthly contractual cap

Three rates that stand out

Three purchase tiers: The monthly contractual cap is 3.25% below TRY 30,000, 3.75% from TRY 30,000 to TRY 180,000 and 4.25% above TRY 180,000.
TRY 100,000 example: The 3.75% contractual cap produces TRY 3,750 of simple one-month interest; the 4.05% late-payment cap produces TRY 4,050.
Cash and overdrafts cost more: Their contractual cap is 4.25% and late-payment cap is 4.55%, regardless of balance; an individual bank may charge less.

Credit-card rate and cost matrix

Each row applies the CBRT's September 2026 monthly cap once to the stated illustrative balance.

Transaction / debt tier	Current maximum rate	Term / scope	Simple interest cost
TRY purchases · below TRY 30,000	3.25% contractual · 3.55% late	TRY 20,000 example · one month	TRY 650 · TRY 710 if late
TRY purchases · TRY 30,000–180,000	3.75% contractual · 4.05% late	TRY 100,000 example · one month	TRY 3,750 · TRY 4,050 if late
TRY purchases · above TRY 180,000	4.25% contractual · 4.55% late	TRY 200,000 example · one month	TRY 8,500 · TRY 9,100 if late
Cash use / withdrawal and overdraft	4.25% contractual · 4.55% late	TRY 100,000 example · one month	TRY 4,250 · TRY 4,550 if late
Restructured credit-card debt	3.11% contractual cap	TRY 100,000 opening balance · simple comparison	TRY 3,110 monthly-rate effect

These are not statement forecasts. Taxes, card and transaction fees, daily accrual, new purchases, repayments and a restructuring amortization schedule change actual cost.

FACT · What is Türkiye's September 2026 card rate?

Under the CBRT schedule effective September 1, 2026, lira purchase balances have three monthly contractual caps: 3.25% below TRY 30,000, 3.75% from TRY 30,000 through TRY 180,000 and 4.25% above TRY 180,000. Corporate cards face the 4.25% cap regardless of balance. These are legal maximums, not a promise that every bank charges the same rate.

DATA · What does a TRY 100,000 balance cost for one month?

TRY 100,000 sits in the middle purchase tier. Applying the 3.75% monthly contractual cap once to the whole balance produces TRY 3,750 of simple interest. The tier's 4.05% late-payment cap produces a TRY 4,050 rate effect. The TRY 300 difference reflects only the rate gap; taxes, fees, minimum payments and day-count conventions affect the actual statement.

DATA · What changes above the TRY 180,000 threshold?

Above TRY 180,000, the contractual purchase cap rises from 3.75% to 4.25% and the late-payment cap rises from 4.05% to 4.55%. Holding the illustrative balance at TRY 100,000 solely to isolate the rate difference, simple monthly contractual interest would be TRY 4,250 rather than TRY 3,750—a TRY 500 gap. The actual tier and rate depend on the statement balance and the bank's tariff below the cap.

DATA · Why are cash use and overdrafts separate?

Cash withdrawal or use and overdraft accounts have no balance tiers: the monthly contractual cap is 4.25% and the late-payment cap is 4.55%. A TRY 100,000 purchase balance may therefore face a 3.75% ceiling in the middle tier while the same amount of cash or overdraft use can face a 4.25% ceiling. The simple one-month gap is TRY 500 before transaction fees.

DATA + SCENARIO · What does the 3.11% restructuring cap mean?

For restructurings covered by the relevant BRSA decisions, the CBRT table says the monthly contractual rate cannot exceed the 3.11% reference rate. Applied once to a TRY 100,000 opening balance purely for comparison, that is a TRY 3,110 monthly-rate effect. Actual total restructuring cost depends on term, amortization, declining principal, taxes and payment dates; this simple figure is not a repayment schedule.

INTERPRETATION · What to watch next

The CBRT publishes maximum card rates monthly, so the next official table is the relevant signal for any change; this article does not assume a direction. Consumers should compare the actual rate on their statement with the CBRT cap and evaluate purchase, cash/overdraft, late-payment and restructuring costs separately.

Decision checklist

Check the statement balance, minimum payment, contractual and late-payment rates, and any cash-use line separately. When comparing repayment or restructuring choices, evaluate total repayment, taxes, fees and term—not only the monthly percentage. The calculations are informational scenarios, not investment or personal-credit advice.

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