Emlak Katılım Paraf Credit Card

Emlak Katılım Paraf credit card allows you to shop easily with online shopping and contactless features.
The minimum payment amount is the entire statement balance.
There is no cash advance limit.
You can pay your card debt from our branches, internet and mobile branches, our Customer Communication Center at 0850 222 26 26 or by making an EFT from other banks. Our bank is not responsible for collections made from non-contracted payment points other than the specified channels.
You can get your card password from our internet or mobile branches and our Customer Communication Center.
The contractual profit share and maximum overdue penalty rates to be applied in credit card transactions are included in the table below.

Maximum Delay Penalty Rates (Monthly)	Maximum Rate (%)	Description	Update Date
Monthly Contractual Profit Share Rate	%0
Individual credit cards with a period debt under TRY 30,000	%3,55	RUSF, BITT excluded.	01.01.2026
Individual credit cards with a period debt between TRY 30,000 - TRY 180,000	%4,05	RUSF, BITT excluded.	01.01.2026
Individual credit cards with a period debt over TRY 180,000	%4,55	RUSF, BITT excluded.	01.01.2026

Maximum Delay Penalty Rates (Yearly)	Maximum Rate (%)	Description	Update Date
Annual Contractual Profit Share Rate	%0
Individual credit cards with a period debt under TRY 30,000	%42,60	RUSF, BITT excluded.	01.01.2026
Individual credit cards with a period debt between TRY 30,000 - TRY 180,000	%48,60	RUSF, BITT excluded.	01.01.2026
Individual credit cards with a period debt over TRY 180,000	%54,60	RUSF, BITT excluded.	01.01.2026