To make an installment transaction with a credit card, the card and the POS bank must first be the same (on-us).
If our card is used at another bank's POS, only a single payment can be made.
You can check the page below for the number of installments available in on-us transactions.
Current situation: card programs and installments
Since this post was first published, installment options have expanded. In Türkiye, installment shopping largely runs through banks' card programs. Multiple banks in a card program can offer installments on each other's POS devices. In that case, even if the bank that issued your card and the POS bank are different, you can pay in installments if both banks are in the same card program. You can tell which program your card belongs to from the program logo on the card.
What determines the number of installments?
- Legal limits: For installment transactions made with credit cards, the maximum number of installments allowed by sector is set by regulations. In some sectors, installments cannot be offered at all.
- The bank's and merchant's preference: Within the legal limits, the number of installments offered by the bank and the merchant may vary.
- Campaigns: In certain periods, banks may offer extra installment or installment deferral campaigns.
Installments with debit cards
Installment transactions are a feature specific to credit cards. In purchases made with bank cards (debit cards), the amount is deducted directly from the account, so installments do not apply. However, some banks may offer similar options through credit products linked to your account.
