Credit Card Minimum Payment Calculator
Enter your statement balance and card limit. This month’s minimum payment, the interest added if you pay only the minimum, and how many months the debt lasts at a fixed payment are worked out at the CBRT maximum rate.
- Monthly rate used3.75%
- Interest + tax added next month if you pay the minimum1,560.00 ₺
- Paid off in6 months
- Total interest and tax4,263.56 ₺
- Total paid44,263.56 ₺
Minimum payment rate: BDDK
Card rate caps: TCMB
KKDF rate: GİB / Cumhurbaşkanı Kararı
BSMV rate: GİB / Cumhurbaşkanı Kararı
Month by month
How it is calculated
The minimum payment is the least you must pay by the due date to avoid late interest and keep the card open. BDDK sets the rate by card limit; the unpaid rest carries the card rate and its taxes, and any shortfall below the minimum carries the higher late rate.
Asgari ödeme = Dönem borcu × asgari oran; Gelecek ay faizi = (Borç − Ödeme) × aylık faiz × (1 + KKDF + BSMV)The minimum is 20% of the balance for limits up to ₺100,000, 40% above. The maximum monthly rate by balance: under ₺30,000 3.25%, up to ₺180,000 3.75%, above 4.25%.- Find the minimum rate for your card limit and multiply it by the balance.
- What you leave unpaid carries the card’s monthly rate, and the interest carries KKDF and BSMV; that lands on the next statement.
- Repeat with the same payment every month until the debt is gone; as the balance falls, the maximum rate tier drops too.
Example
On a card with an ₺80,000 limit, the minimum on a ₺40,000 balance is 20%: ₺8,000. If you pay only that, ₺1,560 of interest at 3.75% plus taxes is added to the remaining ₺32,000. Keep paying ₺8,000 a month and the debt is gone in 6 months, with ₺4,263.56 of interest and tax in total.
Frequently asked questions
What is the minimum payment rate?
For card limits of ₺100,000 or less, 20% of the balance; above, 40%. The limit sets the rate, not the debt. There is no separate minimum amount in lira in the rules.
What happens if I pay only the minimum?
The card stays open and no late interest runs, but the rest carries the card rate plus KKDF and BSMV. Paying only each month’s new minimum shrinks the debt very slowly; a fixed payment clears it far faster.
Will my card be closed if I miss the minimum?
Miss it three times in a calendar year and the card is closed to cash; three times in a row and it is closed to purchases too. The unpaid minimum carries late interest.