Credit Cards
A credit card is a convenient payment instrument that facilitates a wide range of transactions, from everyday purchases to online payments. Payments can be made via POS terminals or over the internet.
İşbank customers may apply through İşCep, Maximum Mobile, Internet Branch, or İşbank branches, or submit a request via the Credit Card Application page.
How to Enable the Contactless Feature on Your Credit Card
With the contactless feature of your Maximum Card, you can complete everyday purchases more quickly.
Using contactless payments, cardholders can:
- Complete low-value transactions without entering a PIN
- Finalize payments in approximately one second
- Continue earning MaxiPoints (MaxiPuan) on eligible purchases, subject to applicable terms and campaigns
All İşbank credit cards are issued with contactless payment functionality.
You may apply through any of our channels for the most suitable credit card and start using this feature.
How Is Credit Card Debt Restructuring Carried Out?
Credit card debt restructuring may be requested by cardholders who:
- Have difficulty paying the minimum payment amount
- Wish to act before their debt enters legal collection proceedings
- Are experiencing an increasing interest burden
- Seek to repay under revised terms agreed with the Bank
The restructuring process is carried out by spreading the total outstanding balance over a longer maturity.
When supported by long-term payment discipline, the cardholder’s financial burden is reduced and a regular payment habit is established.
You may submit a debt restructuring request through İşCep, Maximum Mobile, Internet Branch, or İşbank branches.
What Is the Minimum Payment Amount on a Credit Card?
The minimum payment amount is the smallest amount of your total balance that must be paid by the payment due date, as of your statement date.
This amount is calculated in line with the rates determined by the Banking Regulation and Supervision Agency (BDDK – Bankacılık Düzenleme ve Denetleme Kurumu) and generally corresponds to a specified percentage of the statement balance.
Payment of the minimum amount allows continued card use; however, interest continues to accrue on the remaining balance. Where possible, paying the full balance reduces interest costs and supports a healthy credit score.
You may pay the minimum amount through İşCep, Maximum Mobile, Internet Branch, ATMs, or İşbank branches.