Emlak Katılım Paraf Credit Card

Emlak Katılım Paraf credit card allows you to shop easily with its internet shopping and contactless feature.
The minimum payment amount is the entire statement debt.
There is no cash advance limit.
You can pay your card debt through our branches, internet and mobile branches, our Customer Contact Center at 0850 222 26 26 or by 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 contact center.
Contractual Profit Share and Maximum Overdue Penalty Rates for Credit Card Transactions are given in the table below.

Maximum Delay Penalty Rates (Monthly)	Maximum Rate (%)	Description	Update Date
Monthly Contractual Profit Share Rate	%0
Private credit cards with the debt for the period less than TRY 30,000	%3,55	RUSF, BITT excluded.	01.01.2026
Private credit cards with the debt for the period between TRY 30,000 - TRY 180,000	%4,05	RUSF, BITT excluded.	01.01.2026
Private credit cards with the debt for the period more than 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
Private credit cards with the debt for the period less than TRY 30,000	%42,60	RUSF, BITT excluded.	01.01.2026
Private credit cards with the debt for the period between TRY 30,000 - TRY 180,000	%48,60	RUSF, BITT excluded.	01.01.2026
Private credit cards with the debt for the period more than TRY 180,000	%54,60	RUSF, BITT excluded.	01.01.2026