{"id":62370,"date":"2026-10-16T08:23:25","date_gmt":"2026-10-16T05:23:25","guid":{"rendered":"https:\/\/www.karekod.org\/blog\/?p=62370"},"modified":"2026-10-16T08:23:28","modified_gmt":"2026-10-16T05:23:28","slug":"kredi-karti-aidatlari","status":"publish","type":"post","link":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/","title":{"rendered":"Kredi Kart\u0131 Aidatlar\u0131 2026: T\u00fcm Bankalar\u0131n Y\u0131ll\u0131k Kart \u00dccretleri (Ekim)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Kredi kart\u0131 aidatlar\u0131<\/strong>, kart\u0131n t\u00fcr\u00fcne, bankaya ve kampanyaya g\u00f6re de\u011fi\u015fen y\u0131ll\u0131k \u00fcyelik \u00fccretleridir. 16 Ekim 2026 itibar\u0131yla baz\u0131 standart kartlarda 1.000 TL\u2019nin \u00fczerinde aidat g\u00f6r\u00fcl\u00fcrken, aidats\u0131z kredi kart\u0131 se\u00e7enekleri de bulunmaktad\u0131r. Bankan\u0131n m\u00fc\u015fteriye sundu\u011fu as\u0131l kart, ek kart, \u00f6\u011frenci kart\u0131, premium kart veya kat\u0131l\u0131m bankas\u0131 kart\u0131 ayn\u0131 tarifeye tabi olmayabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu rehberde 16 Ekim 2026 tarihinde eri\u015filebilen resm\u00ee banka \u00fccret sayfalar\u0131n\u0131 ve 8 Ekim 2026 tarihli T\u00fcrkiye Bankalar Birli\u011fi (TBB) tarife derlemesini kar\u015f\u0131la\u015ft\u0131rd\u0131k. <strong>35 mevduat bankas\u0131, 10 kat\u0131l\u0131m bankas\u0131 ve 21 kalk\u0131nma\/yat\u0131r\u0131m bankas\u0131<\/strong> kapsamda de\u011ferlendiriliyor. Ayr\u0131ca 2017\u20132026 d\u00f6nemindeki <strong>10 y\u0131ll\u0131k kredi kart\u0131 aidat\u0131 de\u011fi\u015fimini<\/strong>, t\u00fcketici haklar\u0131n\u0131 ve aidat itiraz y\u00f6ntemlerini inceliyoruz.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Hizli_Ozet_Kredi_Karti_Aidatlari_2026\" >H\u0131zl\u0131 \u00d6zet: Kredi Kart\u0131 Aidatlar\u0131 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Guncel_Kredi_Karti_Aidatlari_2026_Tum_Mevduat_Bankalari\" >G\u00fcncel Kredi Kart\u0131 Aidatlar\u0131 2026: T\u00fcm Mevduat Bankalar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Katilim_Bankalarinin_Kredi_Karti_Aidatlari_2026\" >Kat\u0131l\u0131m Bankalar\u0131n\u0131n Kredi Kart\u0131 Aidatlar\u0131 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Kalkinma_Yatirim_ve_TMSF_Bankalari_Kredi_Karti_Ucretleri\" >Kalk\u0131nma, Yat\u0131r\u0131m ve TMSF Bankalar\u0131: Kredi Kart\u0131 \u00dccretleri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Aidatsiz_Kredi_Karti_Veren_Bankalar_2026\" >Aidats\u0131z Kredi Kart\u0131 Veren Bankalar 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Yillara_Gore_Kredi_Karti_Aidatlari_2017%E2%80%932026_Son_10_Yil\" >Y\u0131llara G\u00f6re Kredi Kart\u0131 Aidatlar\u0131 (2017\u20132026): Son 10 Y\u0131l<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Kredi_Karti_Aidatlarinda_2025%E2%80%932026_Degisimi\" >Kredi Kart\u0131 Aidatlar\u0131nda 2025\u20132026 De\u011fi\u015fimi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Kredi_Karti_Aidati_Yasal_mi_2026_Tuketici_Haklari\" >Kredi Kart\u0131 Aidat\u0131 Yasal m\u0131? 2026 T\u00fcketici Haklar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Kredi_Karti_Aidati_Iadesi_Nasil_Alinir\" >Kredi Kart\u0131 Aidat\u0131 \u0130adesi Nas\u0131l Al\u0131n\u0131r?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Kredi_Karti_Aidati_Ne_Zaman_Kesilir\" >Kredi Kart\u0131 Aidat\u0131 Ne Zaman Kesilir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Ek_Kart_Sanal_Kart_ve_Premium_Kart_Aidatlari\" >Ek Kart, Sanal Kart ve Premium Kart Aidatlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Aidatli_mi_Aidatsiz_Kredi_Karti_mi_Daha_Avantajli\" >Aidatl\u0131 m\u0131, Aidats\u0131z Kredi Kart\u0131 m\u0131 Daha Avantajl\u0131?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Kredi_Karti_Aidatlari_Hakkinda_Sikca_Sorulan_Sorular\" >Kredi Kart\u0131 Aidatlar\u0131 Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#Arastirma_Yontemi_Kapsam_ve_Guncelleme_Notu\" >Ara\u015ft\u0131rma Y\u00f6ntemi, Kapsam ve G\u00fcncelleme Notu<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hizli_Ozet_Kredi_Karti_Aidatlari_2026\"><\/span>H\u0131zl\u0131 \u00d6zet: Kredi Kart\u0131 Aidatlar\u0131 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ekim 2026\u2019da \u00f6rnek y\u0131ll\u0131k as\u0131l kart \u00fccretleri:<\/strong> Akbank Axess Klasik 1.190 TL, Garanti BBVA Bonus 1.101 TL, Yap\u0131 Kredi Worldcard 1.107 TL, QNB Classic 1.133 TL, \u0130\u015f Bankas\u0131 Visa Klasik 1.114 TL (BSMV hari\u00e7), Halkbank Paraf Klasik 307,50 TL (BSMV hari\u00e7), Vak\u0131fBank Klasik 729 TL, TEB Bonus 860 TL ve Ziraat Bankas\u0131 klasik \u00fccret grubu 170 TL\u2019dir. Bunlar t\u00fcm kartlar\u0131 temsil eden tek bir banka \u00fccreti de\u011fildir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Aidats\u0131z se\u00e7enekler:<\/strong> Enpara Kredi Kart\u0131, Yap\u0131 Kredi World Eko, TEB Sade Kart, ING Light Kart ve T\u00fcrkiye Finans Happy Kart Zero \u00fcr\u00fcnleri \u00f6rnek g\u00f6sterilebilir. Baz\u0131 ba\u015fka kartlarda s\u0131f\u0131r aidat i\u00e7in harcama veya m\u00fc\u015fteri segmenti ko\u015fulu bulunur. <strong>Yasal hak:<\/strong> Kart \u00e7\u0131karan kurulu\u015flar, \u00fccretsiz kredi kart\u0131 t\u00fcr\u00fc sunmak ve uygun d\u00f6n\u00fc\u015f\u00fcm talebini limiti koruyarak yerine getirmek zorundad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00d6nemli ayr\u0131m:<\/strong> BSMV dahil ve BSMV hari\u00e7 tutarlar\u0131 ayn\u0131 bi\u00e7imde kar\u015f\u0131la\u015ft\u0131rmak yanl\u0131\u015ft\u0131r. A\u015fa\u011f\u0131da \u00fccretin hangi kapsamda a\u00e7\u0131kland\u0131\u011f\u0131 ayr\u0131ca belirtilmi\u015ftir. \u201cDo\u011frulanamad\u0131\u201d aidat\u0131n s\u0131f\u0131r oldu\u011fu anlam\u0131na gelmez.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Guncel_Kredi_Karti_Aidatlari_2026_Tum_Mevduat_Bankalari\"><\/span>G\u00fcncel Kredi Kart\u0131 Aidatlar\u0131 2026: T\u00fcm Mevduat Bankalar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (BDDK) kurulu\u015f listesinde bulunan 35 mevduat bankas\u0131 a\u015fa\u011f\u0131daki tabloda yer al\u0131yor. Banka i\u00e7in tek bir tutar yaz\u0131lmas\u0131 yerine, m\u00fcmk\u00fcn oldu\u011funda \u00fccretin ait oldu\u011fu <strong>kart \u00fcr\u00fcn\u00fc<\/strong> belirtilmi\u015ftir. Bankan\u0131n bireysel kredi kart\u0131 hizmeti ya da kamuya a\u00e7\u0131k fiyat\u0131 tespit edilememi\u015fse kesin olmayan tutar eklenmemi\u015ftir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Banka<\/th><th>Kart \/ Tarife<\/th><th>Y\u0131ll\u0131k As\u0131l Kart Aidat\u0131<\/th><th>A\u00e7\u0131klama<\/th><\/tr><\/thead><tbody><tr><td><strong>Akbank<\/strong><\/td><td>Axess Klasik<\/td><td><strong>1.190 TL<\/strong><\/td><td>BSMV dahil; 28.02.2026 tarife<\/td><\/tr><tr><td><strong>Alternatif Bank<\/strong><\/td><td>Standart\/klasik ilan<\/td><td><strong>465 TL<\/strong><\/td><td>TBB ilan\u0131; BSMV hari\u00e7<\/td><\/tr><tr><td>Anadolubank<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>\u00dcr\u00fcn baz\u0131nda resm\u00ee tarife kontrol edilmeli<\/td><\/tr><tr><td>Arap T\u00fcrk Bankas\u0131<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Standart bireysel kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td>Bank of China Turkey<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Standart bireysel kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td>Burgan Bank \/ ON<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Kart \u00fcr\u00fcn\u00fc ve bireysel tarife ayr\u0131ca kontrol edilmeli<\/td><\/tr><tr><td>Citibank<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td>Colendi Bank<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel kredi kart\u0131 \u00fcr\u00fcn\u00fc\/tarifesi teyit edilmeli<\/td><\/tr><tr><td><strong>DenizBank<\/strong><\/td><td>Standart\/klasik ilan<\/td><td><strong>0\u20131.075 TL<\/strong><\/td><td>TBB klasik tarife aral\u0131\u011f\u0131; kart \u00fcr\u00fcn\u00fc \u00f6nemlidir, BSMV dahil<\/td><\/tr><tr><td>Deutsche Bank<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td><strong>Enpara Bank<\/strong><\/td><td>Enpara Kredi Kart\u0131<\/td><td>0 TL<\/td><td>\u00d6m\u00fcr boyu y\u0131ll\u0131k aidats\u0131z<\/td><\/tr><tr><td><strong>Fibabanka<\/strong><\/td><td>Aidats\u0131z \u00fcr\u00fcn ilan\u0131<\/td><td>0 TL<\/td><td>TBB klasik \u00fcr\u00fcn ilan\u0131; di\u011fer \u00fcr\u00fcnler ayr\u0131 incelenmeli<\/td><\/tr><tr><td>Freedom Bank<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td>FUPS Bank<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Kart hizmeti ve tarifesi ayr\u0131ca teyit edilmeli<\/td><\/tr><tr><td>Hepsi Bank<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td><strong>HSBC<\/strong><\/td><td>Klasik segment ilan\u0131<\/td><td><strong>1.039 TL<\/strong><\/td><td>TBB ilan\u0131; BSMV dahil<\/td><\/tr><tr><td><strong>ICBC Turkey<\/strong><\/td><td>Klasik segment ilan\u0131<\/td><td><strong>388 TL<\/strong><\/td><td>TBB ilan\u0131; ilk y\u0131ldan sonra, BSMV dahil<\/td><\/tr><tr><td><strong>ING<\/strong><\/td><td>ING Light Kart<\/td><td>0 TL<\/td><td>Aidats\u0131z; fiziki ING Bonus i\u00e7in harcama \u015fart\u0131 var<\/td><\/tr><tr><td>Intesa Sanpaolo \u0130stanbul \u015eubesi<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td>JPMorgan Chase \u0130stanbul \u015eubesi<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td>MUFG Bank Turkey<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td>Odeabank<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Kart \u00fcr\u00fcn\u00fc ve tarife teyit edilmeli<\/td><\/tr><tr><td><strong>QNB<\/strong><\/td><td>QNB Classic<\/td><td><strong>1.133 TL<\/strong><\/td><td>14.08.2026; BSMV dahil<\/td><\/tr><tr><td>Soci\u00e9t\u00e9 G\u00e9n\u00e9rale \u0130stanbul \u015eubesi<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td>\u015eekerbank<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Kart \u00fcr\u00fcn\u00fc ve tarife teyit edilmeli<\/td><\/tr><tr><td><strong>Ziraat Bankas\u0131<\/strong><\/td><td>Klasik kart grubu<\/td><td><strong>170 TL<\/strong><\/td><td>\u00dccret tablosundaki grup; Bankkart\u2019\u0131n aidats\u0131zl\u0131\u011f\u0131 ayr\u0131<\/td><\/tr><tr><td>Turkland Bank (T-Bank)<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td><strong>TEB \/ CEPTETEB<\/strong><\/td><td>TEB Bonus \/ CEPTETEB<\/td><td><strong>860 TL \/ 780 TL<\/strong><\/td><td>01.04.2026 itibar\u0131yla yay\u0131mlanan kart \u00fccretleri<\/td><\/tr><tr><td>T\u00fcrk Ticaret Bankas\u0131<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart kredi kart\u0131 tarifesi do\u011frulanamad\u0131<\/td><\/tr><tr><td><strong>Garanti BBVA<\/strong><\/td><td>Bonus<\/td><td><strong>1.101 TL<\/strong><\/td><td>13.02.2026; BSMV dahil<\/td><\/tr><tr><td><strong>Halkbank<\/strong><\/td><td>Paraf Klasik<\/td><td><strong>307,50 TL<\/strong><\/td><td>BSMV ayr\u0131ca tahsil edilir<\/td><\/tr><tr><td><strong>\u0130\u015f Bankas\u0131<\/strong><\/td><td>Visa Klasik<\/td><td><strong>1.114 TL<\/strong><\/td><td>05.01.2026; BSMV hari\u00e7<\/td><\/tr><tr><td><strong>Vak\u0131fBank<\/strong><\/td><td>Klasik \/ Recycle<\/td><td><strong>729 TL<\/strong><\/td><td>01.03.2026 tarihli s\u00f6zle\u015fme \u00f6n bilgi formu<\/td><\/tr><tr><td><strong>Yap\u0131 Kredi<\/strong><\/td><td>Worldcard<\/td><td><strong>1.107 TL<\/strong><\/td><td>01.01.2026; BSMV dahil<\/td><\/tr><tr><td>Ziraat Dinamik Banka<\/td><td>\u2014<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel kredi kart\u0131 tarifesi kontrol edilmeli<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"369\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/2026-Kredi-Karti-Aidatlari-Karsilastirmasi-369x590.webp\" alt=\"Kredi Kart\u0131 Aidatlar\u0131 Kars\u0327\u0131las\u0327t\u0131rmas\u0131\" class=\"wp-image-62373\" style=\"aspect-ratio:0.625430372371418;width:636px;height:auto\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/2026-Kredi-Karti-Aidatlari-Karsilastirmasi-369x590.webp 369w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/2026-Kredi-Karti-Aidatlari-Karsilastirmasi-360x576.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/2026-Kredi-Karti-Aidatlari-Karsilastirmasi-961x1536.webp 961w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/2026-Kredi-Karti-Aidatlari-Karsilastirmasi-730x1167.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/2026-Kredi-Karti-Aidatlari-Karsilastirmasi-350x560.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/2026-Kredi-Karti-Aidatlari-Karsilastirmasi-1100x1759.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/2026-Kredi-Karti-Aidatlari-Karsilastirmasi.webp 1200w\" sizes=\"(max-width: 369px) 100vw, 369px\" \/><figcaption class=\"wp-element-caption\">Kredi Kart\u0131 Aidatlar\u0131 Kars\u0327\u0131las\u0327t\u0131rmas\u0131<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">16 Ekim 2026 tarihli ara\u015ft\u0131rma; farkl\u0131 \u00fcr\u00fcnler ve ko\u015fullar i\u00e7in \u00fccret de\u011fi\u015febilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kar\u015f\u0131la\u015ft\u0131rma notu:<\/strong> Mevduat bankas\u0131 kategorisindeki baz\u0131 kurumlar bireysel kartlardan \u00e7ok kurumsal bankac\u0131l\u0131\u011fa odaklan\u0131r. \u201cDo\u011frulanamad\u0131\u201d kayd\u0131, s\u00f6z konusu bankan\u0131n \u00fccretsiz kart verdi\u011fini veya kredi kart\u0131 \u00e7\u0131karmad\u0131\u011f\u0131n\u0131 kesin olarak g\u00f6stermez. Ziraat Bankas\u0131\u2019n\u0131n klasik kart \u00fccret grubu ile y\u0131ll\u0131k kart \u00fccreti bulunmad\u0131\u011f\u0131 a\u00e7\u0131klanan Bankkart \u00fcr\u00fcn\u00fc birbirine kar\u0131\u015ft\u0131r\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Katilim_Bankalarinin_Kredi_Karti_Aidatlari_2026\"><\/span>Kat\u0131l\u0131m Bankalar\u0131n\u0131n Kredi Kart\u0131 Aidatlar\u0131 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kat\u0131l\u0131m bankalar\u0131n\u0131n kredi kart\u0131 veya kredi kart\u0131 i\u015flevi g\u00f6ren \u00fcr\u00fcnlerinde y\u0131ll\u0131k \u00fcyelik \u00fccreti, karta ve \u00fcr\u00fcn s\u00f6zle\u015fmesine g\u00f6re de\u011fi\u015fir. Baz\u0131 kartlar aidats\u0131zken di\u011ferlerinde \u00fccretli \u00fcr\u00fcnler bulunur. A\u015fa\u011f\u0131daki listede BDDK kay\u0131tl\u0131 10 kat\u0131l\u0131m bankas\u0131 yer al\u0131yor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Kat\u0131l\u0131m Bankas\u0131<\/th><th>Kart \/ Aidat<\/th><th>\u00d6nemli A\u00e7\u0131klama<\/th><\/tr><\/thead><tbody><tr><td>Adil Kat\u0131l\u0131m Bankas\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel kredi kart\u0131 \u00fcr\u00fcn\u00fc ve tarife teyit edilmeli<\/td><\/tr><tr><td>Albaraka T\u00fcrk<\/td><td>0 TL ilan\u0131<\/td><td>TBB klasik kategori; \u00f6zel kart\/\u00fcr\u00fcn ko\u015fulu kontrol edilmeli<\/td><\/tr><tr><td>D\u00fcnya Kat\u0131l\u0131m Bankas\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>G\u00fcncel bireysel kredi kart\u0131 \u00fcr\u00fcn tarifesi teyit edilmeli<\/td><\/tr><tr><td>Hayat Finans<\/td><td>Do\u011frulanamad\u0131<\/td><td>Kredi kart\u0131 \u00fcr\u00fcn\u00fc ve fiyatlama durumu teyit edilmeli<\/td><\/tr><tr><td>Kuveyt T\u00fcrk<\/td><td>Aidats\u0131z kart ilan\u0131<\/td><td>TBB klasik kategori; kart se\u00e7imine g\u00f6re kontrol edilmeli<\/td><\/tr><tr><td>T.O.M. Kat\u0131l\u0131m Bankas\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Kart \u00fcr\u00fcn\u00fcn\u00fcn aidat durumu teyit edilmeli<\/td><\/tr><tr><td>Emlak Kat\u0131l\u0131m<\/td><td>0 TL ilan\u0131<\/td><td>TBB klasik kategori; kart \u00fcr\u00fcn\u00fc teyit edilmeli<\/td><\/tr><tr><td>T\u00fcrkiye Finans<\/td><td>Happy Kart Silver: 300,30 TL<\/td><td>BSMV dahil; aidats\u0131z Happy Kart Zero da bulunur<\/td><\/tr><tr><td>Vak\u0131f Kat\u0131l\u0131m<\/td><td>0 TL ilan\u0131<\/td><td>TBB klasik kategori; \u00fcr\u00fcn t\u00fcr\u00fc teyit edilmeli<\/td><\/tr><tr><td>Ziraat Kat\u0131l\u0131m<\/td><td>Klasik: 33 TL<\/td><td>TBB klasik kategori; BSMV dahil<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Kat\u0131l\u0131m bankalar\u0131n\u0131n sundu\u011fu farkl\u0131 kart yap\u0131lar\u0131 i\u00e7in \u201cfaizsiz banka\u201d ifadesinin \u201cher i\u015flem ve kart \u00fccretsiz\u201d anlam\u0131na gelmedi\u011fini hat\u0131rlatmak gerekir. \u00d6zellikle kart yenileme, taksitlendirme ve nakit kullan\u0131m\u0131na ili\u015fkin masraflar ayr\u0131 \u00fcr\u00fcn ba\u015fl\u0131klar\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kalkinma_Yatirim_ve_TMSF_Bankalari_Kredi_Karti_Ucretleri\"><\/span>Kalk\u0131nma, Yat\u0131r\u0131m ve TMSF Bankalar\u0131: Kredi Kart\u0131 \u00dccretleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">BDDK listesinde 21 kalk\u0131nma ve yat\u0131r\u0131m bankas\u0131 ile TMSF y\u00f6netimindeki Birle\u015fik Fon Bankas\u0131 da yer al\u0131r. Bu kurumlar\u0131n t\u00fcm\u00fc standart bireysel kredi kart\u0131 ihra\u00e7 eden perakende bankalar de\u011fildir. Bu nedenle ger\u00e7ekte sunulmayan bir kredi kart\u0131na aidat bedeli yaz\u0131lmad\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131:<\/strong> Aktif Yat\u0131r\u0131m Bankas\u0131, Aytemiz Yat\u0131r\u0131m Bankas\u0131, Bank of America Yat\u0131r\u0131m Bank, BankPozitif Kredi ve Kalk\u0131nma Bankas\u0131, D Yat\u0131r\u0131m Bankas\u0131, Destek Yat\u0131r\u0131m Bankas\u0131, Diler Yat\u0131r\u0131m Bankas\u0131, Golden Global Yat\u0131r\u0131m Bankas\u0131, GSD Yat\u0131r\u0131m Bankas\u0131, Hedef Yat\u0131r\u0131m Bankas\u0131, \u0130ller Bankas\u0131, Takasbank, Misyon Yat\u0131r\u0131m Bankas\u0131, Nurol Yat\u0131r\u0131m Bankas\u0131, PASHA Yat\u0131r\u0131m Bankas\u0131, Q Yat\u0131r\u0131m Bankas\u0131, Standard Chartered Yat\u0131r\u0131m Bankas\u0131 T\u00fcrk, Tera Yat\u0131r\u0131m Bankas\u0131, T\u00fcrk Eximbank, T\u00fcrkiye Kalk\u0131nma ve Yat\u0131r\u0131m Bankas\u0131, T\u00fcrkiye S\u0131nai Kalk\u0131nma Bankas\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TMSF grubu:<\/strong> Birle\u015fik Fon Bankas\u0131. Bu kurumlar i\u00e7in herkese a\u00e7\u0131k ortak bir bireysel y\u0131ll\u0131k kredi kart\u0131 aidat\u0131 tutar\u0131 do\u011frulanamam\u0131\u015ft\u0131r. Aktif Bank\u2019\u0131n N Kolay gibi t\u00fcketici \u00fcr\u00fcnleri, varsa kendi \u00fcr\u00fcn s\u00f6zle\u015fmeleri \u00fczerinden ayr\u0131ca de\u011ferlendirilmelidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Aidatsiz_Kredi_Karti_Veren_Bankalar_2026\"><\/span>Aidats\u0131z Kredi Kart\u0131 Veren Bankalar 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar \u00fccretli kredi kartlar\u0131n\u0131n yan\u0131 s\u0131ra aidat al\u0131nmayan \u00fcr\u00fcnler de sunabilir. Aidats\u0131z \u00fcr\u00fcn\u00fcn varl\u0131\u011f\u0131, kredi kart\u0131yla yap\u0131lan t\u00fcm i\u015flemlerin \u00fccretsiz oldu\u011fu anlam\u0131na gelmez.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Banka<\/th><th>Kart \/ Se\u00e7enek<\/th><th>\u00dccret ve Ko\u015ful<\/th><\/tr><\/thead><tbody><tr><td>Enpara<\/td><td>Enpara Kredi Kart\u0131<\/td><td>0 TL; banka s\u00f6zle\u015fmesinde \u00f6m\u00fcr boyu aidats\u0131z<\/td><\/tr><tr><td>Yap\u0131 Kredi<\/td><td>World Eko<\/td><td>0 TL; \u00fcr\u00fcn baz\u0131nda<\/td><\/tr><tr><td>TEB<\/td><td>Sade Kart<\/td><td>0 TL; ayr\u0131 \u00fcr\u00fcn<\/td><\/tr><tr><td>ING<\/td><td>Light Kart \/ Dijital Kredi Kart\u0131<\/td><td>0 TL; fiziki Bonus i\u00e7in harcama \u015fartl\u0131 farkl\u0131 uygulama<\/td><\/tr><tr><td>T\u00fcrkiye Finans<\/td><td>Happy Kart Zero<\/td><td>0 TL; di\u011fer Happy kartlar \u00fccretli olabilir<\/td><\/tr><tr><td>Ziraat Bankas\u0131<\/td><td>Bankkart<\/td><td>Resm\u00ee SSS: y\u0131ll\u0131k kart \u00fccreti bulunmuyor<\/td><\/tr><tr><td>Garanti BBVA<\/td><td>Bonus Flexi<\/td><td>\u00dccret durumu ve g\u00fcncel \u00fcr\u00fcn \u015fartlar\u0131 do\u011frulanmal\u0131; eski belgelere g\u00f6re \u00fccretsiz \u00fcr\u00fcn<\/td><\/tr><tr><td>Fibabanka<\/td><td>TBB aidats\u0131z klasik ilan\u0131<\/td><td>0 TL; \u00fcr\u00fcn ad\u0131n\u0131 ba\u015fvuru \u00f6ncesi teyit edin<\/td><\/tr><tr><td>Kuveyt T\u00fcrk<\/td><td>TBB aidats\u0131z klasik ilan\u0131<\/td><td>0 TL; \u00fcr\u00fcn ad\u0131n\u0131 teyit edin<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>ING \u00f6rne\u011fi:<\/strong> Fiziki ING Bonus kart\u0131n aidats\u0131z kullan\u0131m\u0131 i\u00e7in son \u00fc\u00e7 ekstre d\u00f6neminde toplam 15.000 TL harcama ko\u015fulu bulunur. ING Light ve ING Dijital Kredi Kart\u0131 ise aidats\u0131z olarak a\u00e7\u0131klan\u0131r. Bu iki durumun ayn\u0131 tabloda ko\u015fulsuz \u201c\u00fccretsiz\u201d \u015feklinde sunulmas\u0131 do\u011fru de\u011fildir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yillara_Gore_Kredi_Karti_Aidatlari_2017%E2%80%932026_Son_10_Yil\"><\/span>Y\u0131llara G\u00f6re Kredi Kart\u0131 Aidatlar\u0131 (2017\u20132026): Son 10 Y\u0131l<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcrkiye genelinde t\u00fcm bankalar i\u00e7in her y\u0131l ayn\u0131 kart tipini esas alan tek bir resm\u00ee y\u0131ll\u0131k aidat ortalamas\u0131 yay\u0131mlanm\u0131yor. Bu nedenle tarihsel kar\u015f\u0131la\u015ft\u0131rmada <strong>Yap\u0131 Kredi Worldcard as\u0131l kart\u0131<\/strong> sabit \u00f6rnek olarak se\u00e7tik. 2017\u20132024 rakamlar\u0131nda bankan\u0131n tarihli eski tarife duyurular\u0131, 2025 ve 2026 i\u00e7in resm\u00ee Worldcard y\u0131ll\u0131k \u00fcyelik \u00fccret sayfas\u0131 kullan\u0131lm\u0131\u015ft\u0131r. Bunlar <strong>T\u00fcrkiye kredi kart\u0131 aidat ortalamalar\u0131 de\u011fildir.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Yillara-Gore-Kredi-Karti-Aidatlari-1049x590.webp\" alt=\"Y\u0131llara Go\u0308re Kredi Kart\u0131 Aidatlar\u0131\" class=\"wp-image-62372\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Yillara-Gore-Kredi-Karti-Aidatlari-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Yillara-Gore-Kredi-Karti-Aidatlari-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Yillara-Gore-Kredi-Karti-Aidatlari-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Yillara-Gore-Kredi-Karti-Aidatlari-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Yillara-Gore-Kredi-Karti-Aidatlari-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Yillara-Gore-Kredi-Karti-Aidatlari-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Yillara-Gore-Kredi-Karti-Aidatlari.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">Y\u0131llara Go\u0308re Kredi Kart\u0131 Aidatlar\u0131<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Y\u0131l<\/th><th>Worldcard As\u0131l Kart Aidat\u0131<\/th><th>Tarih \/ Y\u00f6ntem<\/th><\/tr><\/thead><tbody><tr><td>2017<\/td><td>91,00 TL<\/td><td>11 Ocak 2018 \u00f6ncesi yay\u0131mlanan tarife<\/td><\/tr><tr><td>2018<\/td><td>104,00 TL<\/td><td>11 Ocak 2018 itibar\u0131yla<\/td><\/tr><tr><td>2019<\/td><td>125,00 TL<\/td><td>19 Ocak 2019 itibar\u0131yla<\/td><\/tr><tr><td>2020<\/td><td>139,50 TL<\/td><td>1 Mart 2020 sonras\u0131 g\u00fcncellenmi\u015f tutar<\/td><\/tr><tr><td>2021<\/td><td>194,50 TL<\/td><td>1 Ocak 2022 \u00f6ncesi tarife (2021 d\u00f6nemi)<\/td><\/tr><tr><td>2022<\/td><td>217,00 TL<\/td><td>1 Ocak 2022 itibar\u0131yla<\/td><\/tr><tr><td>2023<\/td><td>368,50 TL<\/td><td>1 Ocak 2023 tarife ilan\u0131<\/td><\/tr><tr><td>2024<\/td><td>605,00 TL<\/td><td>1 Ocak 2024 tarife duyurusu<\/td><\/tr><tr><td>2025<\/td><td>846,50 TL<\/td><td>1 Ocak 2025 tarife tutar\u0131<\/td><\/tr><tr><td>2026<\/td><td><strong>1.107,00 TL<\/strong><\/td><td>1 Ocak 2026 tarife tutar\u0131<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Tek kart \u00fczerinden tarihsel \u00f6rnek; y\u0131llara g\u00f6re ilan d\u00f6nemleri farkl\u0131d\u0131r, cari \u00fccret t\u00fcm bankalar\u0131 temsil etmez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rne\u011fin, 2017 referans\u0131ndaki 91 TL ile 2026 y\u0131l\u0131ndaki 1.107 TL kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda Worldcard as\u0131l kart aidat\u0131 yakla\u015f\u0131k <strong>12,16 kat\u0131na<\/strong> \u00e7\u0131k\u0131yor. Nominal art\u0131\u015f yakla\u015f\u0131k <strong>%1.116<\/strong>. Bu hesap enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f de\u011fildir ve bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn genel \u00fccret art\u0131\u015f\u0131 olarak yorumlanmamal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tarihsel veri uyar\u0131s\u0131:<\/strong> Bankan\u0131n ge\u00e7mi\u015f d\u00f6nem sayfas\u0131nda 2024 ba\u015fl\u0131\u011f\u0131 alt\u0131ndaki baz\u0131 tablo s\u00fctunlar\u0131nda \u00f6nceki y\u0131l etiketi bulundu\u011fu i\u00e7in de\u011fi\u015fimin tarihini tespit ederken duyuru ba\u015fl\u0131\u011f\u0131 ve ilgili d\u00f6nemin tarife belgeleri birlikte de\u011ferlendirildi. 2021 i\u00e7in ba\u015flang\u0131\u00e7 g\u00fcn\u00fc de\u011fil, 1 Ocak 2022 \u00f6ncesinde ge\u00e7erli oldu\u011fu a\u00e7\u0131klanan tutar kullan\u0131lm\u0131\u015ft\u0131r. Ayr\u0131ca 2025 tarife tablosunun \u201c2025 \u00f6ncesi\u201d s\u00fctununda Worldcard i\u00e7in 586,50 TL g\u00f6r\u00fcl\u00fcrken eski ar\u015fivde 2024 ba\u015fl\u0131\u011f\u0131 alt\u0131nda 605 TL yer al\u0131r; bu nedenle 2024 sat\u0131r\u0131ndaki 605 TL, y\u0131l boyunca kesintisiz uyguland\u0131\u011f\u0131 do\u011frulanm\u0131\u015f tek fiyat de\u011fil, tarihli ar\u015fivde bulunan bir ilan \u00f6rne\u011fidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredi_Karti_Aidatlarinda_2025%E2%80%932026_Degisimi\"><\/span>Kredi Kart\u0131 Aidatlar\u0131nda 2025\u20132026 De\u011fi\u015fimi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u00dcr\u00fcn<\/th><th>2025 ilan\u0131<\/th><th>2026 ilan\u0131<\/th><th>Nominal De\u011fi\u015fim<\/th><\/tr><\/thead><tbody><tr><td>Yap\u0131 Kredi Worldcard<\/td><td>846,50 TL<\/td><td>1.107,00 TL<\/td><td>%30,77 art\u0131\u015f<\/td><\/tr><tr><td>Yap\u0131 Kredi World Gold<\/td><td>961,50 TL<\/td><td>1.258,00 TL<\/td><td>%30,84 art\u0131\u015f<\/td><\/tr><tr><td>Yap\u0131 Kredi World Platinum<\/td><td>1.085,50 TL<\/td><td>1.420,00 TL<\/td><td>%30,82 art\u0131\u015f<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bu \u00fc\u00e7 sat\u0131r, ayn\u0131 bankan\u0131n ayn\u0131 isimli kartlar\u0131 ve iki tarihli resm\u00ee tarife ilan\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131larak hesapland\u0131. 2025\u20132026 aidat art\u0131\u015flar\u0131n\u0131 bankalar aras\u0131nda genellemek do\u011fru de\u011fildir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredi_Karti_Aidati_Yasal_mi_2026_Tuketici_Haklari\"><\/span>Kredi Kart\u0131 Aidat\u0131 Yasal m\u0131? 2026 T\u00fcketici Haklar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi kart\u0131 y\u0131ll\u0131k \u00fcyelik \u00fccreti, her ko\u015fulda kendili\u011finden hukuka ayk\u0131r\u0131 de\u011fildir. Ancak T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n finansal t\u00fcketicilerden al\u0131nacak \u00fccretlere ili\u015fkin d\u00fczenlemesi, kart aidat\u0131n\u0131n hangi \u015fartlarda al\u0131nabilece\u011fini s\u0131n\u0131rlar. S\u00f6zle\u015fme, kart\u0131n kullan\u0131m\u0131 ve bankan\u0131n bilgilendirmeleri birlikte de\u011ferlendirilmelidir.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Aidats\u0131z kart hakk\u0131:<\/strong> Kart \u00e7\u0131karan kurulu\u015flar y\u0131ll\u0131k aidats\u0131z bir kredi kart\u0131 t\u00fcr\u00fc sunmak zorundad\u0131r.<\/li>\n\n\n\n<li><strong>\u00dccretsiz karta ge\u00e7i\u015f:<\/strong> Mevcut \u00fccretli kredi kart\u0131n\u0131z\u0131 ayn\u0131 limit korunarak aidats\u0131z kredi kart\u0131na d\u00f6n\u00fc\u015ft\u00fcrme talebiniz kar\u015f\u0131lanmal\u0131d\u0131r.<\/li>\n\n\n\n<li><strong>Ek kart s\u0131n\u0131r\u0131:<\/strong> Ek kart\u0131n y\u0131ll\u0131k \u00fcyelik \u00fccreti as\u0131l kart\u0131n aidat\u0131n\u0131n %50\u2019sini a\u015famaz.<\/li>\n\n\n\n<li><strong>\u0130lk kullan\u0131m:<\/strong> Aidat ancak kart\u0131n t\u00fcketiciyi bor\u00e7land\u0131ran ilk kullan\u0131m\u0131ndan sonra ve y\u0131ll\u0131k olarak tahakkuk ettirilebilir.<\/li>\n\n\n\n<li><strong>180 g\u00fcn hareketsizlik:<\/strong> Kesintisiz 180 g\u00fcn hareket g\u00f6rmeyen karta hareketsiz kald\u0131\u011f\u0131 m\u00fcddet\u00e7e aidat yans\u0131t\u0131lamaz.<\/li>\n\n\n\n<li><strong>Banka ve sanal kart:<\/strong> Banka kartlar\u0131 ve sanal kredi kartlar\u0131ndan y\u0131ll\u0131k \u00fcyelik \u00fccreti al\u0131namaz.<\/li>\n\n\n\n<li><strong>Kart iptali:<\/strong> Kart borcunuzun bulunmas\u0131 iptal talebinin reddi i\u00e7in tek ba\u015f\u0131na gerek\u00e7e olu\u015fturmaz; kalan bor\u00e7 \u00f6deme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc devam eder.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredi_Karti_Aidati_Iadesi_Nasil_Alinir\"><\/span>Kredi Kart\u0131 Aidat\u0131 \u0130adesi Nas\u0131l Al\u0131n\u0131r?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ekstrenize y\u0131ll\u0131k kart \u00fccreti yans\u0131t\u0131ld\u0131ysa ilk a\u015famada tutar\u0131n hangi kart i\u00e7in, hangi s\u00f6zle\u015fme ve \u00fccret tarifesi kapsam\u0131nda kesildi\u011fini kontrol edin. \u00dccretin yaln\u0131zca y\u00fcksek olmas\u0131, tek ba\u015f\u0131na otomatik iade hakk\u0131 do\u011furmaz. Ancak mevzuata veya s\u00f6zle\u015fmeye ayk\u0131r\u0131 tahsilat oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z itirazda bulunabilirsiniz.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>1.<\/strong> Bankan\u0131n mobil uygulamas\u0131ndan y\u0131ll\u0131k \u00fcyelik \u00fccretinin tarihini ve tutar\u0131n\u0131 belirleyin.<\/li>\n\n\n\n<li><strong>2.<\/strong> Banka m\u00fc\u015fteri hizmetlerine veya yaz\u0131l\u0131 ba\u015fvuru kanal\u0131na \u00fccretin iptalini\/iadesini talep eden ba\u015fvuru g\u00f6nderin.<\/li>\n\n\n\n<li><strong>3.<\/strong> Ba\u015fvuru kayd\u0131, hesap ekstresi, kart s\u00f6zle\u015fmesi ve ilgili tarife belgesini saklay\u0131n.<\/li>\n\n\n\n<li><strong>4.<\/strong> Bankadan olumsuz yan\u0131t alman\u0131z veya uyu\u015fmazl\u0131\u011f\u0131n \u00e7\u00f6z\u00fclmemesi h\u00e2linde e-Devlet\/T\u00dcB\u0130S \u00fczerinden t\u00fcketici hakem heyeti ba\u015fvurusunu de\u011ferlendirin.<\/li>\n\n\n\n<li><strong>5.<\/strong> Aidats\u0131z karta ge\u00e7mek istiyorsan\u0131z mevcut limitinizi koruyan \u00fcr\u00fcn de\u011fi\u015fikli\u011fini ayr\u0131ca isteyin.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Ticaret Bakanl\u0131\u011f\u0131na g\u00f6re <strong>2026 y\u0131l\u0131nda de\u011feri 186.000 TL\u2019nin alt\u0131ndaki<\/strong> t\u00fcketici uyu\u015fmazl\u0131klar\u0131nda t\u00fcketici hakem heyetine ba\u015fvurulabilir. Aidat uyu\u015fmazl\u0131klar\u0131n\u0131n \u00e7o\u011fu bu s\u0131n\u0131r\u0131n alt\u0131ndad\u0131r. Ba\u015fvurunun sonucu, bankan\u0131n \u00fccretlendirme ve bilgilendirme y\u00fck\u00fcml\u00fcl\u00fcklerine, s\u00f6zle\u015fmeye ve olay\u0131n \u00f6zelliklerine g\u00f6re belirlenir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kredi Kart\u0131 Aidat\u0131 \u0130ade Talebi \u00d6rne\u011fi<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Bankan\u0131z taraf\u0131ndan kredi kart\u0131ma yans\u0131t\u0131lan [tarih] tarihli [tutar] TL y\u0131ll\u0131k \u00fcyelik \u00fccretinin hangi s\u00f6zle\u015fme h\u00fckm\u00fc ve \u00fccret tarifesine g\u00f6re tahsil edildi\u011finin bildirilmesini, mevzuata veya s\u00f6zle\u015fme ko\u015fullar\u0131na ayk\u0131r\u0131l\u0131k bulunmas\u0131 h\u00e2linde tutar\u0131n iadesini ve talebim \u00fczerine aidats\u0131z kredi kart\u0131na ayn\u0131 limit korunarak ge\u00e7i\u015f yap\u0131lmas\u0131n\u0131 rica ederim.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredi_Karti_Aidati_Ne_Zaman_Kesilir\"><\/span>Kredi Kart\u0131 Aidat\u0131 Ne Zaman Kesilir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u0131ll\u0131k kart \u00fccreti, kart\u0131n ilk bor\u00e7land\u0131r\u0131c\u0131 kullan\u0131m\u0131ndan sonra ve y\u0131lda bir kez tahakkuk ettirilebilir. Her bankan\u0131n hesap \u00f6zeti d\u00f6nemleri, kart a\u00e7\u0131l\u0131\u015f tarihi ve tahakkuk takvimi farkl\u0131 olabilir. Kart\u0131n teslim edilmi\u015f olmas\u0131 veya hi\u00e7 kullan\u0131lmadan bekletilmesi tek ba\u015f\u0131na aidat kesilmesine dayanak olu\u015fturmaz. Y\u0131ll\u0131k kart \u00fccretinizin hangi d\u00f6nemde al\u0131nd\u0131\u011f\u0131n\u0131 ekstre \u00fczerinden kontrol etmeniz gerekir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ek_Kart_Sanal_Kart_ve_Premium_Kart_Aidatlari\"><\/span>Ek Kart, Sanal Kart ve Premium Kart Aidatlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As\u0131l kredi kart\u0131na ek olarak aile bireyleri ad\u0131na \u00e7\u0131kar\u0131lan ek kartlarda y\u0131ll\u0131k \u00fccret uygulanabilir; ancak yasal \u00fcst s\u0131n\u0131r as\u0131l kart \u00fccretinin yar\u0131s\u0131d\u0131r. Sanal kredi kart\u0131nda y\u0131ll\u0131k \u00fcyelik \u00fccreti al\u0131namaz. \u00d6zel hizmetler sunan premium ve metal kartlar\u0131n aidatlar\u0131 klasik kartlardan \u00e7ok daha y\u00fcksek olabilir. \u00d6rne\u011fin Yap\u0131 Kredi\u2019nin 2026 tarifesinde Worldcard 1.107 TL iken Crystal Metal Kart 30.700 TL olarak ilan edilmi\u015ftir. Bu tutarlar\u0131 tek bir \u201ckredi kart\u0131 aidat\u0131\u201d ortalamas\u0131nda birle\u015ftirmek yan\u0131lt\u0131c\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Aidatli_mi_Aidatsiz_Kredi_Karti_mi_Daha_Avantajli\"><\/span>Aidatl\u0131 m\u0131, Aidats\u0131z Kredi Kart\u0131 m\u0131 Daha Avantajl\u0131?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aidats\u0131z kart, y\u0131ll\u0131k sabit \u00fcyelik \u00fccretini ortadan kald\u0131r\u0131r. Buna kar\u015f\u0131l\u0131k \u00fccretli kartlar, puan, mil, lounge, sigorta ve kampanya gibi hizmetler sunabilir. Y\u0131ll\u0131k aidat\u0131n ger\u00e7ekten kar\u015f\u0131lan\u0131p kar\u015f\u0131lanmad\u0131\u011f\u0131n\u0131 de\u011ferlendirmek i\u00e7in kullan\u0131m al\u0131\u015fkanl\u0131\u011f\u0131n\u0131za g\u00f6re elde edece\u011finiz <strong>ger\u00e7ekle\u015febilir net fayday\u0131<\/strong> hesaplay\u0131n. \u00d6rne\u011fin y\u0131ll\u0131k 1.100 TL aidata kar\u015f\u0131 y\u0131l boyunca yaln\u0131zca 400 TL de\u011ferinde kulland\u0131\u011f\u0131n\u0131z puan kazan\u0131yorsan\u0131z, di\u011fer ko\u015fullar e\u015fitse aidats\u0131z kart daha ekonomik olabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi kart\u0131 aidat\u0131, ekstre borcuna uygulanan faizle ayn\u0131 \u015fey de\u011fildir. Faiz maliyetini ve banka tercihinde dikkat edilmesi gereken kalemleri kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in Karekod Blog\u2019daki <a href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/\">bankalar\u0131n kredi faiz oranlar\u0131<\/a> rehberine de g\u00f6z atabilirsiniz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di\u011fer banka masraflar\u0131n\u0131 azaltmak istiyorsan\u0131z kredi kart\u0131 aidat\u0131 d\u0131\u015f\u0131nda d\u00fczenli para transferinde \u00f6denen \u00fccretleri de hesaba kat\u0131n. <a href=\"https:\/\/www.karekod.org\/blog\/2026-havale-ucretleri\/\">2026 havale \u00fccretleri<\/a> makalesinde EFT, FAST ve havale masraflar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131yoruz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredi_Karti_Aidatlari_Hakkinda_Sikca_Sorulan_Sorular\"><\/span>Kredi Kart\u0131 Aidatlar\u0131 Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Kredi kart\u0131 aidatlar\u0131 2026 y\u0131l\u0131nda ne kadar?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banka ve kart t\u00fcr\u00fcne g\u00f6re de\u011fi\u015fir. \u00d6rne\u011fin Ekim 2026 tarifesinde Axess Klasik 1.190 TL, Worldcard 1.107 TL, QNB Classic 1.133 TL ve Garanti BBVA Bonus 1.101 TL olarak ilan edilmi\u015ftir. Aidats\u0131z \u00fcr\u00fcnler de mevcuttur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Aidats\u0131z kredi kart\u0131 istemek yasal hak m\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Evet. Kart \u00e7\u0131karan kurulu\u015flar \u00fccret al\u0131nmayan bir kredi kart\u0131 t\u00fcr\u00fc sunmak zorundad\u0131r. \u00dccretli karttan \u00fccretsiz karta, ayn\u0131 limit korunarak ge\u00e7i\u015f talebinin kar\u015f\u0131lanmas\u0131 gerekir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kart aidat\u0131 her durumda geri al\u0131nabilir mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. Bankan\u0131n s\u00f6zle\u015fmeye ve d\u00fczenlemelere uygun tahsil etti\u011fi bir \u00fccret s\u0131rf y\u0131ll\u0131k aidat oldu\u011fu i\u00e7in otomatik iade edilmez. Haks\u0131z oldu\u011funu d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fcz \u00fccret i\u00e7in \u00f6nce bankaya, ard\u0131ndan uygun durumda t\u00fcketici hakem heyetine ba\u015fvurabilirsiniz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kullan\u0131lmayan kredi kart\u0131ndan aidat al\u0131n\u0131r m\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kesintisiz 180 g\u00fcn hareket g\u00f6rmeyen kredi kart\u0131 hareketsiz say\u0131l\u0131r ve hareketsiz kald\u0131\u011f\u0131 s\u00fcre boyunca y\u0131ll\u0131k \u00fcyelik \u00fccreti yans\u0131t\u0131lamaz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ek kredi kart\u0131 aidat\u0131 ne kadar olabilir?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ek kart\u0131n y\u0131ll\u0131k \u00fcyelik \u00fccreti as\u0131l kredi kart\u0131n\u0131n y\u0131ll\u0131k aidat\u0131n\u0131n y\u00fczde 50\u2019sini ge\u00e7emez.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sanal kredi kart\u0131ndan y\u0131ll\u0131k aidat al\u0131n\u0131r m\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. Mevzuata g\u00f6re sanal kredi kartlar\u0131ndan y\u0131ll\u0131k \u00fcyelik \u00fccreti al\u0131namaz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2026 t\u00fcketici hakem heyeti ba\u015fvuru s\u0131n\u0131r\u0131 ka\u00e7 TL?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2026 y\u0131l\u0131nda uyu\u015fmazl\u0131k tutar\u0131 186.000 TL\u2019nin alt\u0131ndaysa t\u00fcketici hakem heyeti ba\u015fvurusu yap\u0131labilir. Sonucun ne olaca\u011f\u0131 olay\u0131n \u00f6zelliklerine ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kredi kart\u0131 aidatlar\u0131 ile y\u0131ll\u0131k kart \u00fccreti ayn\u0131 m\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Evet. G\u00fcndelik kullan\u0131mda y\u0131ll\u0131k kredi kart\u0131 aidat\u0131 ve y\u0131ll\u0131k \u00fcyelik \u00fccreti ayn\u0131 kalemi ifade eder. Ancak kart yenileme, nakit avans ve gecikme faizi ayr\u0131 masraflard\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Arastirma_Yontemi_Kapsam_ve_Guncelleme_Notu\"><\/span>Ara\u015ft\u0131rma Y\u00f6ntemi, Kapsam ve G\u00fcncelleme Notu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Son inceleme tarihi <strong>16 Ekim 2026<\/strong>. 2026 \u00fccretleri i\u00e7in bankalar\u0131n resmi \u00fccret tablolar\u0131, BDDK banka listesi, TBB \u00fccret ilanlar\u0131ndan haz\u0131rlanm\u0131\u015f 8 Ekim 2026 tarihli kar\u015f\u0131la\u015ft\u0131rma, TCMB mevzuat\u0131 ve Ticaret Bakanl\u0131\u011f\u0131 t\u00fcketici hakem heyeti rehberi esas al\u0131nm\u0131\u015ft\u0131r. Tarihsel kar\u015f\u0131la\u015ft\u0131rman\u0131n 2017\u20132026 verileri <strong>Yap\u0131 Kredi Worldcard<\/strong> \u00fcr\u00fcn\u00fcne aittir; t\u00fcm bankalar\u0131n tarihsel ortalamas\u0131 olarak sunulmam\u0131\u015ft\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar\u0131n kart kampanyalar\u0131, \u00fccret tahsil tarihleri, BSMV uygulamalar\u0131 ve kart portf\u00f6yleri de\u011fi\u015febilir. Kesin aidat i\u00e7in ba\u015fvurdu\u011funuz kart\u0131n s\u00f6zle\u015fme \u00f6ncesi bilgi formu ile bankan\u0131n g\u00fcncel y\u0131ll\u0131k \u00fcyelik \u00fccret sayfas\u0131 esas al\u0131nmal\u0131d\u0131r. Bu yaz\u0131 ki\u015fiye \u00f6zel finansal veya hukuki dan\u0131\u015fmanl\u0131k de\u011fildir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kaynaklar<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>BDDK \u2013 Faaliyetteki bankalar kurulu\u015f listesi<\/li>\n\n\n\n<li>BDDK \u2013 Kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131 listesi<\/li>\n\n\n\n<li>TCMB \u2013 Finansal t\u00fcketici \u00fccretleri tebli\u011fi, md. 11<\/li>\n\n\n\n<li>Ticaret Bakanl\u0131\u011f\u0131 \u2013 T\u00fcketici hakem heyetleri rehberi<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kredi kart\u0131 aidatlar\u0131, kart\u0131n t\u00fcr\u00fcne, bankaya ve kampanyaya g\u00f6re de\u011fi\u015fen y\u0131ll\u0131k \u00fcyelik \u00fccretleridir. 16 Ekim 2026 itibar\u0131yla baz\u0131 standart kartlarda [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":62374,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3958],"tags":[],"class_list":["post-62370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kredi Kart\u0131 Aidatlar\u0131 2026 \u2013 T\u00fcm Bankalar (16 Ekim)<\/title>\n<meta name=\"description\" content=\"Kredi kart\u0131 aidatlar\u0131 2026 g\u00fcncel listesi! T\u00fcm bankalar\u0131n y\u0131ll\u0131k kart \u00fccretleri, aidats\u0131z kartlar, 2017\u20132026 tarih\u00e7esi ve aidat iadesi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredi Kart\u0131 Aidatlar\u0131 2026 \u2013 T\u00fcm Bankalar (16 Ekim)\" \/>\n<meta property=\"og:description\" content=\"Kredi kart\u0131 aidatlar\u0131 2026 g\u00fcncel listesi! T\u00fcm bankalar\u0131n y\u0131ll\u0131k kart \u00fccretleri, aidats\u0131z kartlar, 2017\u20132026 tarih\u00e7esi ve aidat iadesi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/\" \/>\n<meta property=\"og:site_name\" content=\"Karekod Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/KarekodBlog\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/mentor.perplexed\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-16T05:23:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-16T05:23:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Kredi-Karti-Aidatlari-Rehberi.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Muharrem Emino\u011flu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MentorPerplexed\" \/>\n<meta name=\"twitter:site\" content=\"@karekodblog\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"Muharrem Emino\u011flu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"17 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/\"},\"author\":{\"name\":\"Muharrem Emino\u011flu\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/#\\\/schema\\\/person\\\/8c87c879aca1c63c7438bf937a5da8bd\"},\"headline\":\"Kredi Kart\u0131 Aidatlar\u0131 2026: T\u00fcm Bankalar\u0131n Y\u0131ll\u0131k Kart \u00dccretleri (Ekim)\",\"datePublished\":\"2026-10-16T05:23:25+00:00\",\"dateModified\":\"2026-10-16T05:23:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/\"},\"wordCount\":3454,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Kredi-Karti-Aidatlari-Rehberi.webp\",\"articleSection\":[\"Ekonomi\"],\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/\",\"url\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/\",\"name\":\"Kredi Kart\u0131 Aidatlar\u0131 2026 \u2013 T\u00fcm Bankalar (16 Ekim)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Kredi-Karti-Aidatlari-Rehberi.webp\",\"datePublished\":\"2026-10-16T05:23:25+00:00\",\"dateModified\":\"2026-10-16T05:23:28+00:00\",\"description\":\"Kredi kart\u0131 aidatlar\u0131 2026 g\u00fcncel listesi! T\u00fcm bankalar\u0131n y\u0131ll\u0131k kart \u00fccretleri, aidats\u0131z kartlar, 2017\u20132026 tarih\u00e7esi ve aidat iadesi.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/#breadcrumb\"},\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Kredi-Karti-Aidatlari-Rehberi.webp\",\"contentUrl\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Kredi-Karti-Aidatlari-Rehberi.webp\",\"width\":1200,\"height\":675,\"caption\":\"Kredi Kart\u0131 Aidatlar\u0131 Rehberi\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/kredi-karti-aidatlari\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Ana sayfa\",\"item\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Haberler\",\"item\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/category\\\/haberler\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Ekonomi\",\"item\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/category\\\/haberler\\\/ekonomi\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Kredi Kart\u0131 Aidatlar\u0131 2026: T\u00fcm Bankalar\u0131n Y\u0131ll\u0131k Kart \u00dccretleri (Ekim)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/\",\"name\":\"Karekod Blog\",\"description\":\"Alkol fiyatlar\u0131, g\u00fcncel haberler ve t\u00fcketici rehberleri.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"tr\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/#organization\",\"name\":\"Karekod Blog\",\"alternateName\":\"Karekod Haber\",\"url\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/cropped-logo.webp\",\"contentUrl\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/cropped-logo.webp\",\"width\":512,\"height\":384,\"caption\":\"Karekod Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/KarekodBlog\\\/\",\"https:\\\/\\\/x.com\\\/karekodblog\",\"https:\\\/\\\/www.instagram.com\\\/karekod.blog\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/karekodblog\\\/\",\"https:\\\/\\\/tr.pinterest.com\\\/karekodblog\\\/\",\"https:\\\/\\\/www.youtube.com\\\/@KarekodBlog\",\"https:\\\/\\\/www.tumblr.com\\\/karekodblog\",\"https:\\\/\\\/karekod.medium.com\\\/\",\"https:\\\/\\\/www.diigo.com\\\/user\\\/karekod\",\"https:\\\/\\\/mastodon.social\\\/@karekod\",\"https:\\\/\\\/vk.com\\\/karekod\",\"https:\\\/\\\/flipboard.com\\\/@karekod\",\"https:\\\/\\\/www.quora.com\\\/profile\\\/Karekod-Haber\",\"https:\\\/\\\/note.com\\\/karekod\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/karekod-blog\\\/\",\"https:\\\/\\\/www.reddit.com\\\/r\\\/guncelfiyatlar\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/#\\\/schema\\\/person\\\/8c87c879aca1c63c7438bf937a5da8bd\",\"name\":\"Muharrem Emino\u011flu\",\"pronouns\":\"he\\\/him\",\"description\":\"Muharrem Emino\u011flu, 2002 y\u0131l\u0131ndan bu yana web teknolojileri, dijital yay\u0131nc\u0131l\u0131k, SEO, organik trafik geli\u015ftirme ve i\u00e7erik stratejisi alanlar\u0131nda \u00e7al\u0131\u015fmalar y\u00fcr\u00fctmektedir. Karekod.org ve Karekod Blog\u2019un yay\u0131n s\u00fcre\u00e7leri, SEO stratejisi, veri odakl\u0131 i\u00e7erik geli\u015ftirme ve dijital g\u00f6r\u00fcn\u00fcrl\u00fck \u00e7al\u0131\u015fmalar\u0131ndan sorumludur.\",\"sameAs\":[\"https:\\\/\\\/www.karekod.org\",\"https:\\\/\\\/www.facebook.com\\\/mentor.perplexed\\\/\",\"https:\\\/\\\/www.instagram.com\\\/mentorperplexed\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/eminoglu\",\"https:\\\/\\\/www.pinterest.de\\\/dijitalmenu\\\/\",\"https:\\\/\\\/x.com\\\/MentorPerplexed\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC_vI-xTP9NegNfIqSGoesGg\",\"https:\\\/\\\/qrmenu.tumblr.com\\\/\"],\"url\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/yazar\\\/muharrem-eminoglu\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Kredi Kart\u0131 Aidatlar\u0131 2026 \u2013 T\u00fcm Bankalar (16 Ekim)","description":"Kredi kart\u0131 aidatlar\u0131 2026 g\u00fcncel listesi! T\u00fcm bankalar\u0131n y\u0131ll\u0131k kart \u00fccretleri, aidats\u0131z kartlar, 2017\u20132026 tarih\u00e7esi ve aidat iadesi.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/","og_locale":"tr_TR","og_type":"article","og_title":"Kredi Kart\u0131 Aidatlar\u0131 2026 \u2013 T\u00fcm Bankalar (16 Ekim)","og_description":"Kredi kart\u0131 aidatlar\u0131 2026 g\u00fcncel listesi! T\u00fcm bankalar\u0131n y\u0131ll\u0131k kart \u00fccretleri, aidats\u0131z kartlar, 2017\u20132026 tarih\u00e7esi ve aidat iadesi.","og_url":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/","og_site_name":"Karekod Blog","article_publisher":"https:\/\/www.facebook.com\/KarekodBlog\/","article_author":"https:\/\/www.facebook.com\/mentor.perplexed\/","article_published_time":"2026-10-16T05:23:25+00:00","article_modified_time":"2026-10-16T05:23:28+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Kredi-Karti-Aidatlari-Rehberi.webp","type":"image\/webp"}],"author":"Muharrem Emino\u011flu","twitter_card":"summary_large_image","twitter_creator":"@MentorPerplexed","twitter_site":"@karekodblog","twitter_misc":{"Yazan:":"Muharrem Emino\u011flu","Tahmini okuma s\u00fcresi":"17 dakika"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#article","isPartOf":{"@id":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/"},"author":{"name":"Muharrem Emino\u011flu","@id":"https:\/\/www.karekod.org\/blog\/#\/schema\/person\/8c87c879aca1c63c7438bf937a5da8bd"},"headline":"Kredi Kart\u0131 Aidatlar\u0131 2026: T\u00fcm Bankalar\u0131n Y\u0131ll\u0131k Kart \u00dccretleri (Ekim)","datePublished":"2026-10-16T05:23:25+00:00","dateModified":"2026-10-16T05:23:28+00:00","mainEntityOfPage":{"@id":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/"},"wordCount":3454,"commentCount":1,"publisher":{"@id":"https:\/\/www.karekod.org\/blog\/#organization"},"image":{"@id":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#primaryimage"},"thumbnailUrl":"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Kredi-Karti-Aidatlari-Rehberi.webp","articleSection":["Ekonomi"],"inLanguage":"tr","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/","url":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/","name":"Kredi Kart\u0131 Aidatlar\u0131 2026 \u2013 T\u00fcm Bankalar (16 Ekim)","isPartOf":{"@id":"https:\/\/www.karekod.org\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#primaryimage"},"image":{"@id":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#primaryimage"},"thumbnailUrl":"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Kredi-Karti-Aidatlari-Rehberi.webp","datePublished":"2026-10-16T05:23:25+00:00","dateModified":"2026-10-16T05:23:28+00:00","description":"Kredi kart\u0131 aidatlar\u0131 2026 g\u00fcncel listesi! T\u00fcm bankalar\u0131n y\u0131ll\u0131k kart \u00fccretleri, aidats\u0131z kartlar, 2017\u20132026 tarih\u00e7esi ve aidat iadesi.","breadcrumb":{"@id":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#breadcrumb"},"inLanguage":"tr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/"]}]},{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#primaryimage","url":"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Kredi-Karti-Aidatlari-Rehberi.webp","contentUrl":"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/10\/Kredi-Karti-Aidatlari-Rehberi.webp","width":1200,"height":675,"caption":"Kredi Kart\u0131 Aidatlar\u0131 Rehberi"},{"@type":"BreadcrumbList","@id":"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Ana sayfa","item":"https:\/\/www.karekod.org\/blog\/"},{"@type":"ListItem","position":2,"name":"Haberler","item":"https:\/\/www.karekod.org\/blog\/category\/haberler\/"},{"@type":"ListItem","position":3,"name":"Ekonomi","item":"https:\/\/www.karekod.org\/blog\/category\/haberler\/ekonomi\/"},{"@type":"ListItem","position":4,"name":"Kredi Kart\u0131 Aidatlar\u0131 2026: T\u00fcm Bankalar\u0131n Y\u0131ll\u0131k Kart \u00dccretleri (Ekim)"}]},{"@type":"WebSite","@id":"https:\/\/www.karekod.org\/blog\/#website","url":"https:\/\/www.karekod.org\/blog\/","name":"Karekod Blog","description":"Alkol fiyatlar\u0131, g\u00fcncel haberler ve t\u00fcketici rehberleri.","publisher":{"@id":"https:\/\/www.karekod.org\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.karekod.org\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"tr"},{"@type":"Organization","@id":"https:\/\/www.karekod.org\/blog\/#organization","name":"Karekod Blog","alternateName":"Karekod Haber","url":"https:\/\/www.karekod.org\/blog\/","logo":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/www.karekod.org\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2025\/01\/cropped-logo.webp","contentUrl":"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2025\/01\/cropped-logo.webp","width":512,"height":384,"caption":"Karekod Blog"},"image":{"@id":"https:\/\/www.karekod.org\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/KarekodBlog\/","https:\/\/x.com\/karekodblog","https:\/\/www.instagram.com\/karekod.blog\/","https:\/\/www.linkedin.com\/company\/karekodblog\/","https:\/\/tr.pinterest.com\/karekodblog\/","https:\/\/www.youtube.com\/@KarekodBlog","https:\/\/www.tumblr.com\/karekodblog","https:\/\/karekod.medium.com\/","https:\/\/www.diigo.com\/user\/karekod","https:\/\/mastodon.social\/@karekod","https:\/\/vk.com\/karekod","https:\/\/flipboard.com\/@karekod","https:\/\/www.quora.com\/profile\/Karekod-Haber","https:\/\/note.com\/karekod","https:\/\/www.linkedin.com\/in\/karekod-blog\/","https:\/\/www.reddit.com\/r\/guncelfiyatlar\/"]},{"@type":"Person","@id":"https:\/\/www.karekod.org\/blog\/#\/schema\/person\/8c87c879aca1c63c7438bf937a5da8bd","name":"Muharrem Emino\u011flu","pronouns":"he\/him","description":"Muharrem Emino\u011flu, 2002 y\u0131l\u0131ndan bu yana web teknolojileri, dijital yay\u0131nc\u0131l\u0131k, SEO, organik trafik geli\u015ftirme ve i\u00e7erik stratejisi alanlar\u0131nda \u00e7al\u0131\u015fmalar y\u00fcr\u00fctmektedir. Karekod.org ve Karekod Blog\u2019un yay\u0131n s\u00fcre\u00e7leri, SEO stratejisi, veri odakl\u0131 i\u00e7erik geli\u015ftirme ve dijital g\u00f6r\u00fcn\u00fcrl\u00fck \u00e7al\u0131\u015fmalar\u0131ndan sorumludur.","sameAs":["https:\/\/www.karekod.org","https:\/\/www.facebook.com\/mentor.perplexed\/","https:\/\/www.instagram.com\/mentorperplexed\/","https:\/\/www.linkedin.com\/in\/eminoglu","https:\/\/www.pinterest.de\/dijitalmenu\/","https:\/\/x.com\/MentorPerplexed","https:\/\/www.youtube.com\/channel\/UC_vI-xTP9NegNfIqSGoesGg","https:\/\/qrmenu.tumblr.com\/"],"url":"https:\/\/www.karekod.org\/blog\/yazar\/muharrem-eminoglu\/"}]}},"_links":{"self":[{"href":"https:\/\/www.karekod.org\/blog\/wp-json\/wp\/v2\/posts\/62370","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.karekod.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.karekod.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.karekod.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.karekod.org\/blog\/wp-json\/wp\/v2\/comments?post=62370"}],"version-history":[{"count":0,"href":"https:\/\/www.karekod.org\/blog\/wp-json\/wp\/v2\/posts\/62370\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.karekod.org\/blog\/wp-json\/wp\/v2\/media\/62374"}],"wp:attachment":[{"href":"https:\/\/www.karekod.org\/blog\/wp-json\/wp\/v2\/media?parent=62370"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.karekod.org\/blog\/wp-json\/wp\/v2\/categories?post=62370"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.karekod.org\/blog\/wp-json\/wp\/v2\/tags?post=62370"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}