Credit Card Minimum Payment Calculator
Instantly calculate the minimum payment due on your credit card based on your card limit and statement balance, per Turkey BDDK regulations.
This tool is for informational purposes. Reflects Turkey-specific credit card minimum payment rules (BDDK regulations). Your bank's terms may differ.
How Is the Credit Card Minimum Payment Calculated?
Under the BDDK (Banking Regulation and Supervision Agency) rule that took effect in 2022, the credit card minimum payment in Turkey is determined by two different rates based on the card limit. The minimum amount on your statement is calculated by multiplying the total statement balance 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 ₺ | %20 | 8.000 ₺ | 1.600 ₺ |
| 20.000 ₺ | %20 | 15.000 ₺ | 3.000 ₺ |
| 25.000 ₺ | %40 | 20.000 ₺ | 8.000 ₺ |
| 50.000 ₺ | %40 | 35.000 ₺ | 14.000 ₺ |
| 100.000 ₺ | %40 | 80.000 ₺ | 32.000 ₺ |
Minimum Payment Rule for Newly Issued Credit Cards (First Year)
During the first year of card use, some banks may offer a lower minimum payment option to assess the customer's repayment habits. However, this does not mean the legal floor set by BDDK can be undercut. Even for cards under one year old, the 20% or 40% rate must be applied.
The BDDK floor is the same for new cardholders: 20% if the limit is under 25,000 TRY, 40% if it is at or above. Banks cannot legally apply a lower rate.
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 multiply your original principal.
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
5% (on the interest base)
Effective Monthly Cost = Contractual Interest × (1 + KKDF + BSMV)
Example: 3.5% contractual interest gives an effective monthly cost of about 4.27%.
Impact on Credit Score (Findeks) and Card Block Risk
Paying only the minimum on a recurring basis does not by itself lower your Findeks credit score. However, when the card balance exceeds 30% of the limit, that utilization ratio is flagged as a risk factor. In addition, per BDDK rules, if only the minimum is paid for three consecutive periods, the bank may temporarily block cash advances and new spending on the card.
Three consecutive minimum-only payments can trigger a bank-side card block. You will need to contact your bank to lift it.