Interest Rates and Card Fees

	TL	USD
Retail Interest Rate	%4.25	%3.40
Cash Advance Interest Rate	%5.00	%3.40
Late Payment Interest Rate	%4.55	%3.70
Cash Withdrawal Overdue Interest Rate	%5.30	%3.70

	Primary Card Annual Fee	Supplementary Card Annual Fee	Renewal Fee*	Supplementary Card Renewal Fee*
QNB Credit Card**	680.50 TL	340.25 TL	80 TL	80 TL
QNB Xtra Credit Card	772.75 TL	386.25 TL	80 TL	80 TL
QNB Fix Credit Card	0 TL	0 TL	80 TL	80 TL
QNB GO Credit Card*****	649 TL	-	80 TL	-
QNB Trendyol Credit Card*****	680.50 TL	-	80 TL	-
QNB Hemşire Credit Card	0 TL	0 TL	80 TL	80 TL
QNB First***	1,057.75 TL	528.75/436.5 TL	80 TL	80 TL
QNB Emekli Credit Card****	0/185.25 TL	0/92.5 TL	80 TL	80 TL
Fenerbahçe QNB Classic Credit Card	599.75 TL	299.75 TL	80 TL	80 TL
Fenerbahçe QNB Gold Credit Card	680.50 TL	340.25 TL	80 TL	80 TL
Fenerbahçe QNB Platinum Credit Card	772.75 TL	386.25 TL	80 TL	80 TL
QNB Trabzonspor Credit Card	599.75 TL	299.75 TL	80 TL	80 TL
QNB Troy Credit Card	680.50 TL	340.25 TL	80 TL	80 TL

You can reach annual fees of other credit cards, which are not on sale, but used by our customers from the following link https://www.qnb.com.tr.com/yasal/urun-hizmet-ucretleri.

* BSMV included. The first 2 renewal is free of charge in every calendar year.

** Annual fee is 59.25 TL in the first year and 163 TL in the following years for QNB Credit Card given to students aged between 18 and 25 years. Students aged 25 and over will be charged with the annual fee of QNB Credit Card, which is currently up to date.

*** First year annual fee is 528.75 TL for QNB First Supplementary Card and 436.5 TL in the following years. No QNB First card fee will be charged for the first year to customers who have average savings of 800.000 TL more in deposit and investment products of QNB in a calendar month. Savings in enpara.com will not be included to annually average savings in QNB . QNB reserves the right to change the conditions. Customers will be informed in case of a change.

**** No annual fees will be charged during the first year of QNB Emekli Credit Card. For the following year, 185,25 TL annual fee will be charged at the end of the 12th month of after the first usage of the card. Every following year updated annual fee will be reflected on the statement. If at least one automated bill payment is done by QNB Emekli Credit Card on a regular basis, no annual fees will be charged. If the conditions for annual fee waiver is not met, customers will be informed about the annual fee via their statement.

***** No credit card fee is charged to customers who purchase a QNB Credit Cardpersonal credit card for the first time. Current cardholders are not charged an annual membership fee for QNB GO Credit Card for the first year.

QNB Alternative Distribution Channels Cash Advance Fee	1% of the Amount of Cash Advance
Foreign Cash Advance Fee (for USD statements)	3% of the Amount of Cash Advance
Foreign Cash Advance Fee (for TL statements)	3% of the Amount of Cash Advance
Domestic Cash Advance Fee via Other Banks	0.5 TL + 3.5% of the Amount of Cash Advance

QNB Alternative Distribution Channels Cash Advance Fee	1% of the Amount of Cash Advance
Foreign Cash Advance Fee (for USD statements)	3% of the Amount of Cash Advance
Foreign Cash Advance Fee (for TL statements)	3% of the Amount of Cash Advance
Domestic Cash Advance Fee via Other Banks	0.5 TL + 3.5% of the Amount of Cash Advance

PTT Payment Fee	18,26TL from Branch, 7,61 TL from PTT Matik, 5,33 TL from PTTBank İnternet Branch and Mobile (BSMV included)
Past Pediod Statement Fee (Printed)*******	10 TL
Past Pediod Statement Fee (E-mail, Fax, Digital statement )*******	5 TL
SGK Transaction Fee	QNB Payment Channel 3.10%, BSMV Excluding (Minimum 5 TL)
SGK Transaction Fee	SGK Payment Channel 3.10%, Including BSMV
One-Time Utility Payment Fee	2.5%, minimum 5.5 TL (BSMV included)
Automatic Bill Payment Fee	%5.00 (Retail interest rate is applied on automatic bill payments issued by QNB Fix.)
BKM Express SendMoney Transaction Fee (0 – 2,000 TL)	1% + 2,11 TL (BSMV included)
One time loading fee to İstanbulkart from individual credit card	2 TL (BSMV included)
Automated EFT fee from individual credit card	%1 + 4.22 TL (BSMV excluded)
One time/Automated EFT fee from individual credit card (0 – 4,300 TL)	%1 + 4.22 TL (BSMV excluded)
One time/Automated EFT fee from individual credit card (4,300.01 – 211,100 TL)	%1 + 8.44 TL (BSMV excluded)
One time/Automated EFT fee from individual credit card ((211,100.01+)	%1 + 105.52 TL (BSMV excluded)
Automated Transfer fee from individual credit card	%1 + 0.77 TL (BSMV excluded)
One time/Automated transfer fee from individual credit card (0 – 4,300 TL)	%1 + 2.11 TL (BSMV excluded)
One time/Automated transfer fee from individual credit card (4,300.01 – 211,100 TL)	%1 + 4.22 TL (BSMV excluded)
One time/Automated transfer fee from individual credit card (211,100.01+)	%1 + 52.76 TL (BSMV excluded)

******* The fee is only charged when the statement is issued at least 1 year ago. BSMV Included.

Card Dictionary

Quick Card Application

Başvurum esnasında paylaştığım verilerimin belirtilen amaçlar için işlenmesine onay veriyorum.

You can find the clarification text of our bank about the Law on The Protection of Personal Data.

Başvuruya Devam Etmek İstiyorum

Interest Rates

Annual Fees

Cash Advance Fees

QNB Fix Cash Advance Fees

Other Fees

Card Dictionary

Quick Card Application