American Express in Turkey: Fees, Extra Cards and Acceptance
Garanti BBVA issues American Express cards in Türkiye. See what each card costs, where the card is taken and what a foreigner needs to apply.
Table of Contents
American Express is a card brand, and in Türkiye the bank Garanti BBVA issues its cards under American Express’s licence. Four personal cards exist, with a yearly fee of 3,395 to 20,310 Turkish lira (TL), and the card works on the terminals of six banks.
In short · checked 25.10.2026
Garanti BBVA issues the card, and six banks’ terminals take it.
- Garanti BBVA, a Turkish bank, issues American Express cards in Türkiye. It launched the card service in 2006, under American Express’s licence, and manages everything about the cards it issues.
- Four personal cards, each with a yearly fee: Green 3,395 TL, Gold 6,795 TL, Platinum 13,695 TL and Metal The Platinum Card 20,310 TL (fee page of 13.02.2026). An extra card costs 1,112 to 10,155 TL.
- Shops: ask first. American Express names about 460 brands for in-store use and 270 for online use, and the card works on the card terminals (POS, point of sale) of six banks. A brand that is not named may still take it.
- A foreigner can apply. The online form asks for an ID number: citizens use the T.C. kimlik numarası (the citizen’s ID number), foreigners the yabancı kimlik numarası (the foreigners’ ID number, which starts with 99). Foreign nationals apply with a guarantor and may use a passport as ID.
- A card issued in another country can buy and draw cash at Garanti BBVA terminals and cash machines (ATMs), but its bill cannot be paid at Garanti BBVA branches.
Tool · lists checked 25.10.2026
Is the card named for this shop?
Pick a kind of shop or type a name. The door shows whether American Express names the brand for in-store use, for online use or for both. The two lists are the ones its card guide prints: brands where you can use the card in shops, and brands where you can use it online.
Migros: named by American Express for in-store use and for online use.
The two lists (462 in-store brands, 273 online brands)
In stores
- A.T.Ü
- A101 Market
- Acıbadem
- Acıbadem Üniversitesi
- Adidas
- Adil Işık Group
- Adore Oyuncak
- Aegon Emeklilik
- Alarko
- Alfemo
- Alpet
- Altınbaş Kuyumculuk
- Altınyıldız Cls.&Beymen Busıness
- Anadolu Sigorta
- Anka Gross
- Anpa Gross
- Antur
- Apple
- Arçelik
- Arena
- Armada
- Armağan Oyuncak
- Assos
- Atasay Kuyumculuk
- Atasun Optik
- Avantgarde Hotel
- Avis-Budget
- Avva Giyim
- Axa Sigorta
- Axa Emeklilik
- Ay Marka
- Ayakkabı Dünyası
- Aytemiz
- Ayyıldız
- B&G Store
- Bambi Deri
- BAQA
- Başkent Gross
- Batik Orme
- Bauhaus
- Baymak
- Bcbg Maxazria
- Benetton
- Bernardo
- Bestseller
- Beymen
- Biletix
- Bilkom
- BİM
- Birmot
- Bisse
- BiTaksi
- Bizim Toptan
- BLU TV
- Bodrum Loft
- Borusan
- Bose
- Boyner
- Bp Petrol
- Brightstar
- Brooks Brothers
- Bsh
- Bulgari
- Bupa Acıbadem Sigorta
- Cafe Nero
- Calzedonia
- Camper
- Carrefour
- Carter's & Oshkosh
- Cartier
- CARYA GRUBU
- Casper
- Castrol
- Celik Motor-Kia
- Ceyo
- Chakra
- Chanel
- Chicco
- Christian Dior
- Chrysler Jeep
- Cicek Sepeti
- CİGNA FİNANS EMEKLİLİK
- Collins&Loft
- Colombia&mustang
- CONRAD
- Continental Lastik
- Cookplus
- Çanakkale Seramik
- Çetinkaya
- Çırağan
- Çilek
- D&R
- Dagi
- Daikin
- Damat
- Defacto
- Deichmann
- Demir Sağlık ve Hayat Sigorta
- Demsa Group
- Deri Show
- Desa
- Digiturk
- Dinamik Oto
- Dinkal Sigorta
- DİVAN GRUBU
- Doğa Sigorta
- Dogo Ayakkabı
- Doğa Kolejleri
- Doğtaş Grup
- Doğuş Gym
- Doğuş Oto
- Doğuş Perakende
- Dominos
- Doors Grup
- Doubletree by Hilton Esentepe
- Dream C
- Dubai Starr Sigorta
- Dufy
- E-Bebek
- Eca
- Ege Seramik
- Egepen
- Ekşioğlu Eğitim Kurumları
- Elca Kozmetik
- Electrolux
- Elite World Hotel
- Elle
- Emsan
- English Home
- Enkay/Enplus
- Enterprise
- Enuygun.Com
- Eren Grup
- Ereyon Elektronik
- Erzincan Hilton
- Eskişehir Hilton
- Esse
- Ets
- Eureko Sigorta
- Europcar
- Eve Magazacilik
- Evidea
- Eyüboğlu Eğitim Kurumları
- Faik Sönmez
- Fairmont Hotel
- Fenerbahçe
- Fiba Emeklilik ve Hayat
- Final Okulları
- Flo-Polaris
- Ford
- Franke
- Galatasaray
- Gap-Br-Aeropostale
- Garanti Emeklilik
- Garanti Uçuş Hattı
- Generali Sigorta
- Genpa
- Getir
- Gizia Moda
- GLORİA HOTEL
- Godiva
- Gold Bilgisayar
- Goodyear
- Gourmet Garage
- Goz Grup
- Greyder
- Groupama Sigorta
- Groupe Psa
- Guess
- Güral Porselen
- Günaydın Köfte
- Gürmar
- Gürtat Şarküteri
- H&M
- Hadim Market
- Hakmar Gıda
- Hakmar Mağazacılık
- Hampton By Hilton Kurtköy
- Hankook
- Happy Center
- Hatemoglu
- HD İskender
- HDI Sigorta
- Hepsiburada
- Hermes
- Herry Giyim
- Hilton Sirkeci Bakırköy
- Hilton Bursa
- Hilton Garden Inn Ankara
- Hilton Bodrum
- Hilton Bomonti
- Hilton Mall of İstanbul
- Hisar Çatal Kaşık
- Hogan
- Home Store
- Honda
- Hopi
- Hotpoint Ariston
- Hugo Boss
- Hyatt Centric Levent
- Hyatt Regency Otel
- Ido Deniz Otobüsü
- Ikea
- Index
- Inditex Group
- Interspor
- İbis Novotel
- İdaş
- İga Havalimanı
- İklimsa
- İnfomag Yayıncılık
- İnkilap Kitapevi
- İntema
- İpek Mobilya
- İpekyol Group
- İstanbul Bilgi Universitesi
- İstanbul Gross
- İstanbul Sualtı Dünyası
- İste Gelsin
- İstek Vakfı
- İstinye Üniversitesi
- İşbir Yatak
- İtimat Peynircilik
- Jacadi
- Jimmy Key
- Jival
- Joker
- Jolly Tur
- Journey
- Jumbo
- Kadoil
- Kamil Koc
- Karaca
- Kariyer Net
- Karya Turizm
- Kaşmir Halı
- Kaya Grup
- Kemal Tanca
- Kervan
- KFC
- Kığılı
- Kım Market
- Kifidis
- Kilim
- Kip – Ramsey
- Kirpi Cafe
- Koçak Gold
- Koçtaş
- Koleksiyon Mobilya
- Kom
- Konfor Mobilya
- Konyali Saat
- Korkmaz Mutfak
- Koru Sigorta
- Koton
- Köfteci Yusuf
- Köylü Peynircilik
- Ktm Motosiklet
- Kuba Motor
- Kuz Optik
- Kültür Dersanesi
- Kütahya Porselen
- Kütahya Seramik
- Kvk
- Lassa&Bridgestone
- Lastik Park
- Lastikpark
- Lazzoni
- Lcw
- Le Méridien Residences Bodrum
- Lee
- Levi's
- LG
- Lineadecor
- Linens
- Little Big
- L'Occitane
- L'Oreal
- Louis Vuitton
- Lufian
- Lukoil
- Luxottica
- Madame Coco
- Magdeburger Sigorta
- Mandarin
- Mango Tekstil
- Mapa Tekstil
- Mapfre Sigorta
- Marriot Ankara
- Mars Sigorta
- Mars Sportif Tesisler
- Mavi
- Mediamarkt
- Medicalpark
- Memorial
- Merinos
- Mert Optik
- Merve Optik
- Metro Gross Market
- Michelin
- Miele
- Migros
- Mitsubishi Electric
- Mobiltel
- Moda Life
- Modoko
- Moeva London
- Monster Bilgisayar
- Mopaş
- Morhipo
- Movenpick Hotel Eyüp
- Mudo
- N11.com
- Neova Sigorta
- Nespresso
- Nestle
- Nike
- Nissan
- Nursace Ayakkabı
- Nurus Mobilya
- Obilet
- Okan Üniversitesi
- Oleg Cassini
- Onur Hipermarket
- Onur Market
- Opal Optik
- Opet
- Opmar Optik
- Oxxo
- Özdilek
- Özen Gross
- Özpaş Market
- Özsüt
- Palan Otel
- PALOMA HOTEL
- Panço
- Pandora
- Panel Kırtasiye
- Paşabahçe
- Pegasus
- Pelit Pastanesi
- Penti
- Pera Palace
- Perspective
- Petlas
- Piccola Pizza
- Pidem
- Pirelli
- Pizza Hut
- Petrol Ofisi
- Point Hotel
- Polar Moda
- Polo Garaje
- Porland Porselen
- Prada
- Puma
- Radisson Blue Ataşehir
- Radisson Blu Tuzla
- Raffles H7otel
- Ramada Merter
- Real
- Richmond Hotel
- Ritz Carlton
- Rixos
- Rodi Jeans
- Roman
- Rossmann
- Royal Halı
- Saat&Saat
- Sahibinden.Com
- Salcano
- Samsung
- Sarar
- Saray Halı
- Saray Muhallebicisi
- Sarıyer Market
- Seç Market
- Sembol Center
- Sephora
- Setur
- Seven Hill
- Sevil Parfumeri
- Shangri La
- Shaya Group
- Shell
- Sheraton Bursa
- Sheraton Ankara
- Sheraton Ataköy
- Show Market
- Siemens
- Sigortam.net
- Silk&Cashmere
- Sixt
- Snowy
- Sompo Sigorta
- Sony
- Sportive
- SPX
- Step Halı
- St Regis Nişantaşı
- Sun Express
- Superonline
- Suwen
- Suzuki Motosiklet
- Süvari
- Swarovski Kristal
- Swatch
- Swissotel
- Şişli Radisson
- Şok Market
- T.Garanti Bankası A.Ş.
- Tab Gıda
- Tantitoni
- Tatil Sepeti
- Tatilbudur.com
- Tefal
- Teknosa
- Tekzen
- Telpa
- Tepe Home
- Tergan Deri
- The Artisan İstanbul
- The Bodrum Edition
- The Marmara
- Thy
- Tofaş/Alfa Romeo
- Tommy Hilfiger
- Total
- Troy
- Türk Telekom
- Turkcell
- Turkuaz
- Türsab
- Türk Petrol
- Türkiye Petrolleri
- Türkiye Sigorta
- Uğur Soğutma
- Urart Mücevher/
- Üçler Süpermarket
- Ülker
- Vaillant&Demirdöküm
- Vakko
- Vatan
- Vepa Giyim
- Vestel
- Vetrina
- Viessman
- Vip Turizm
- Vodafone
- W HOTEL GRUBU
- Watsons
- Winmar
- World Of Wonders
- Wyndham Kalamış
- Yamaha
- Yargıcı
- Yataş
- Yemek Sepeti
- Ykm Turizm
- Yves Rocher
- Zegna Ermenegildo
- Zen Diamond
Online
- A101 Market
- ABC Mobilya
- Acıbadem
- Acıbadem Üniversitesi
- Adil Işık
- Adore Oyuncak
- Alarko
- Alfemo
- Altınbaş Kuyumculuk
- Altınyıldız Classics & Beymen Business
- Altunbilekler Market
- Alya Market
- Antur
- Apple
- Arçelik
- Arena
- Ariston Kombi
- Armağan Oyuncak
- Armani Exchange
- Atasay Kuyumculuk
- Atasun Optik
- Avis-Budget
- Ay Marka
- Ayakkabı Dünyası
- Aydınlı
- B&G Store
- Bambi
- Barcelo Taksim Hotel
- Barut Hotel
- Bath&Body Works
- Bauhaus
- Baymak
- Beymen
- Biletix
- Bilkom
- BİM
- Birmot
- BiTaksi
- Bizim Toptan
- Blu Tv
- Borusan
- Boyner
- Brandy's
- Brooks Brothers
- Bsh
- Bupa Acıbadem Sigorta
- Calvin Klein
- Carrefour
- Carter's&Oshkosh
- Carya Hotels
- Casper
- Ceyo
- Chanel
- Conrad
- Continental Lastik
- Converse
- Cookplus
- Crowne Plaza Oryapark
- Çağrı Market
- Çanakkale Seramik
- Çetinkaya
- Çırağan
- Çilek
- D&R
- Dagi
- Daikin
- Dalsan
- Damat
- Defacto
- Desa
- Digiturk
- Dinamik Oto
- Doğa Kolejleri
- Doğa Sigorta
- Doğtaş Grup
- Doğuş Oto
- Doğuş Perakende
- Dominos
- E-Bebek
- Eca
- Electrolux
- Elle
- Elmor
- Emporio Armani
- English Home
- Enterprise
- Enuygun.Com
- Ereyon Elektronik
- Ets
- Europcar
- Eyüboğlu Eğitim Kurumları
- Faik Sönmez
- Fairmont Hotel
- Fashfed
- Flo-Polaris
- Franke
- Galatasaray
- Gant
- Gap
- Garanti Emeklilik
- Getir
- Gizia Moda
- Godiva
- Goodyear
- Güral Porselen
- Gürmar Market
- Hakmar
- Hankook
- Happy Center
- Hatemoğlu
- HDI Sigorta
- Hepsiburada
- Hilton Bodrum
- Hilton Hotels
- Honda
- Hopi
- Hugo Boss
- Hyatt Regency Otel
- Ido Deniz Otobüsü
- Ikea
- Index
- Inditex Group
- Işık Üniversitesi
- İdaş
- İklimsa
- İntema
- İpekyol
- İstanbul Bilgi Üniversitesi
- İste Gelsin
- İstek Vakfı
- İstinye Üniversitesi
- İşbir Yatak
- Jimmy Key
- Joker
- Jolly Tur
- Jumbo
- Kadir Has Üniversitesi
- Kariyer.net
- Kaya Grup
- Kemal Tanca
- Kervan
- KFC
- Kığılı
- Kifidis
- Kip – Ramsey
- Koçak Gold
- Koçtaş
- Konfor Mobilya
- Konyalı Saat
- Korkmaz Mutfak
- Koton
- Koyuncu
- Ktm Motosiklet
- Kuba Motor
- Kültür Dersanesi
- Kütahya Porselen
- Kütahya Seramik
- Lacoste
- Lassa&Bridgestone
- Lastikpark
- Lazzoni
- Lcw
- Levi's
- Loreal
- Love My Body
- Machka
- Madame Coco
- Mandarin Hotels
- Mapfre Sigorta
- Marks&Spencer
- Mars Sportif Tesisler
- Mavi
- Mediamarkt
- Mendos
- Mercure İstanbul
- Merinos
- Merve Optik
- Michelin
- Miele
- Migros
- Mitsubishi Electric
- Moda Life
- Monster Bilgisayar
- Mopaş
- Morhipo
- Mudo
- N11.com
- Nautica
- Nike
- Obilet
- Ocassion
- Oleg Cassini
- Onur Market
- Opet
- Opmar Optik
- Oxxo
- Özdilek
- Paloma Hotels
- Panço
- Paşabahçe
- Pegasus
- Penta
- Penti
- Pera Palace
- Perspective
- Petlas
- Petrol Ofisi
- Pirelli
- Point Hotel
- Radisson Blu Ataşehir
- Raffles Hotel
- Richmond Hotel
- Rixos
- Rossmann
- Sahibinden.com
- Salcano
- Samsung
- Sarıyer Market
- Sephora
- Setur
- Shell
- Show Market
- Siemens
- Sixt
- Sompo Sigorta
- Sony
- Sportive
- SPX
- Stamati's
- Starbucks
- Sun Express
- Superonline
- Superstep
- Swiss Otel İzmir
- Şok Market
- Tatil Sepeti
- Tatilbudur.com
- Tefal
- Teknosa
- Tepe Home
- Tergan Deri
- The Body Shop
- Thy
- Tofaş/Alfa Romeo
- Touristica
- Toyzzshop
- Trendyol
- TROY
- Turkcell
- Turkish Airlines Holidays
- Tursab
- Türk Telekom
- Türkiye Petrolleri
- Twist
- Uğur Motorlu Araçlar
- Uğur Soğutma
- Ülker
- Vaillant&Demirdöküm
- Vakko
- Vatan
- Vestel
- Victoria's Secret
- Viessman
- Vodafone
- Watsons
- World Of Wonders
- Wyndham Kalamış
- Yamaha
- Yargıcı
- Yataş
- Yemeksepeti
- Ykm Turizm
- Zen Diamond
Names are spelled as the card guide prints them, and the lists name brands, not every branch. A brand that is not named may still take the card: ask at the till. Nothing you type leaves your device.
Three questions for the till
American Express kartı kabul ediyor musunuz?
American Express kar-tuh kah-bool eh-dee-yor moo-soo-nooz
Do you take American Express?
Temassız ödeyebilir miyim?
teh-mahs-suhz ur-deh-yeh-bee-leer mee-yeem
Can I pay contactless?
Taksit yapıyor musunuz?
tahk-seet yah-puh-yor moo-soo-nooz
Do you do instalments (taksit)?
Brand, bank and shop: who does what
Three parties stand behind one payment. American Express is the brand, Garanti BBVA is the bank that issues the card, and the shop takes it on a terminal that belongs to its own bank. How a credit card works in general, with limits, instalments and interest ceilings, is in Credit cards in Turkey.
The brandAmerican Express
In Türkiye it has worked with selected banks since 1997. It publishes the fee page, the interest table and the lists of brands where the card is used.
The issuerGaranti BBVA
It launched the card service in 2006 and has the authority to issue American Express products in Türkiye, under American Express’s licence. It manages everything about the cards it issues. The name, logo and domain are used under a licence agreement.
The card terminal
A shop takes the card on a terminal (POS) that belongs to its own bank. American Express’s card guide names six: Garanti BBVA, İş Bankası, Vakıfbank, Halkbank, TEB and Şekerbank.
What Garanti BBVA does for the card
- It takes the application. Garanti BBVA Mobil, internet banking, Alo Amex, 444 0 700 (the American Express card line), or a branch.
- It sets the limit. One customer limit covers all your Garanti BBVA cards. With no other Garanti BBVA card, the system sets a limit from your application.
- It sends the statement and takes the payment. The statement is the monthly page that shows what you owe and by when.
Checked 25.10.2026 · Garanti BBVA American Express page
Four cards and what they cost: yearly fee and extra cards
Each of the four personal cards has a yearly membership fee (yıllık üyelik ücreti). American Express’s fee page lists it for the main card and for an extra card, each dated 13.02.2026. The amounts include BSMV (Banka ve Sigorta Muameleleri Vergisi, the tax on banking and insurance transactions).
| Card, as American Express names it | Main card, a year | Extra card, a year | Extra card, share of the main fee |
|---|---|---|---|
| American Express Card (Green) | 3,395 TL | 1,112 TL | 33% |
| American Express Gold Card | 6,795 TL | 3,395 TL | 50% |
| The Platinum Card | 13,695 TL | 6,845 TL | 50% |
| Metal The Platinum Card | 20,310 TL | 10,155 TL | 50% |
Fee page of American Express Türkiye, updated 13.02.2026 · checked 25.10.2026 · fee page · shares rounded.
Yearly fee · fee page of 13.02.2026
3,395 to 20,310 TL a year, by card.
Green costs 3,395 TL, Gold 6,795 TL, The Platinum Card 13,695 TL and Metal The Platinum Card 20,310 TL. An extra card on the same account costs 1,112 to 10,155 TL.
Business and corporate cards have their own list: 5,400 TL for Business and Corporate, 7,100 TL for the Gold versions (11.02.2026).
- What an extra card is
- An extra card (ek kart) is another card on the main cardholder’s account. Its limit is shared with the main card, and the main cardholder sets it.
- Who can hold one
- A person aged 18 or older, or 16 to 18 with a parent’s consent Garanti BBVA card FAQ, checked 25.10.2026
- How much
- TCMB (Türkiye Cumhuriyet Merkez Bankası, the central bank) caps the yearly fee of an extra card at 50% of the main card’s fee. None of the four goes above it, and the Green extra card is about a third. TCMB fee instruction, 13.01.2026
Two renewals a year are free
A main or extra card can be renewed twice free in one calendar year. From the third renewal in the same year, American Express’s fee page charges 2,550 TL for Metal The Platinum Card and 110 TL for the other cards, extra cards included.
The upper limit is higher
Garanti BBVA’s tariff of product and service fees sets the upper limit for a card renewal at 3,000 TL for Metal The Platinum Card and 140 TL for the other cards. American Express’s fee page states what is charged.
What the cards include: discounts, points, concierge, lounges
Four programs run across the cards, at a different size on each.
5% at restaurants, 3% at hotels
Every card gets it, in Türkiye and abroad, and it comes off the statement with no code or sign-up. A restaurant inside a hotel counts as a hotel (3%). Hotels booked through a travel agency and fast food are left out. A cap applies in each statement period.
A program of chosen venues
American Express’s Selects program gives 10 to 20% at restaurants, entertainment and stays that American Express has chosen. It counts only if you pay on a Garanti BBVA terminal. Selects spending earns no points, and a Selects discount is not added to the 5% and 3%.
Membership Rewards
One point for each 1 TL on the statement. Points pay for services booked through the travel and concierge line and for items in an online gift catalogue. Moving points between American Express cards puts a 1 TL hold on the card they leave.
A phone assistant, all day
The travel and concierge line, 0212 310 23 15, takes requests all day and every day: trips, hotels, tickets, gifts. A request needs notice: at least 24 hours inside Türkiye, 48 for private transport and car rental, 72 for abroad.
Selects has a monthly cap in each statement period, set by the assets you hold at Garanti BBVA. Assets means lira, foreign currency and gold accounts, investment funds and private pension (without the state contribution); Eurobonds, bonds and shares do not count. The total is taken from two days earlier.
| Card | Assets up to 1,250,000 TL | 1,250,000 to 7,500,000 TL | 7,500,000 to 15,000,000 TL | 15,000,000 TL and more |
|---|---|---|---|---|
| Green | 4,000 TL | 4,500 TL | 5,000 TL | 6,000 TL |
| Gold | 5,000 TL | 5,500 TL | 6,000 TL | 7,000 TL |
| Platinum | 6,000 TL | 6,500 TL | 7,500 TL | 9,000 TL |
| Metal | 7,000 TL | 8,000 TL | 9,000 TL | 10,500 TL |
Selects: the most one card can earn in a statement period · a single discount on one day at one venue is capped too (1,500 to 4,000 TL, by assets) · checked 25.10.2026 · Selects page.
Which card?
- Name and fee
- American Express Card, 3,395 TL a year; extra card 1,112 TL.
- Restaurants and hotels
- 5% and 3%, up to 300 TL in a statement period; 500 TL if your assets at Garanti BBVA are 7,500,000 TL or more.
- Selects
- 10% at restaurants; 10 to 20% at other Selects venues; up to 4,000 to 6,000 TL in a period, by assets.
- Points
- 1 point for each 1 TL.
- Instalments
- Instalments at chosen brands (taksit, paying a purchase in monthly parts).
- Concierge
- Travel planning, hotel booking, tickets, visa procedures, transfers, car rental and a private driver. For requests inside Türkiye: tickets to culture and art events, flowers, chocolate and gifts, meeting organisation. No destination guide.
- Lounges
- No lounge entry is listed for this card.
- Name and fee
- American Express Gold Card, 6,795 TL a year; extra card 3,395 TL.
- Restaurants and hotels
- 5% and 3%, up to 500 TL in a statement period; 1,000 TL if your assets at Garanti BBVA are 7,500,000 TL or more.
- Selects
- 15% at restaurants; 10 to 20% at other Selects venues; up to 5,000 to 7,000 TL in a period, by assets.
- Points
- 1 point for each 1 TL.
- Concierge
- Travel planning, hotel booking, tickets, visa procedures, transfers, car rental and a private driver. A destination guide at home and abroad. For requests inside Türkiye: priority at chosen restaurants, tickets, flowers, chocolate and gifts, meeting organisation.
- Lounges
- A discounted lounge entry: every entry is charged to the card.
- Name and fee
- The Platinum Card, 13,695 TL a year; extra card 6,845 TL.
- Restaurants and hotels
- 5% and 3%, up to 1,500 TL in a statement period; 3,000 TL if your assets at Garanti BBVA are 7,500,000 TL or more.
- Selects
- 20% at restaurants; 10 to 20% at other Selects venues; up to 6,000 to 9,000 TL in a period, by assets.
- Points
- 1 point for each 1 TL. On the travel and concierge line a point counts double.
- Concierge
- Travel planning, hotel booking, tickets, visa procedures, transfers, car rental and a private driver. A destination guide at home and abroad. At home and abroad: priority at international restaurants, tickets to culture, art and sports events, flowers, chocolate and gifts, meeting organisation, a VIP shopping program, quick help with special requests.
- Lounges
- One free entry a month at the domestic lounges, and the Centurion Lounges abroad (lounges American Express designed for the two Platinum cards, in many countries).
- Name and fee
- Metal The Platinum Card, 20,310 TL a year; extra card 10,155 TL.
- Restaurants and hotels
- 5% and 3%, up to 1,500 TL in a statement period; 3,000 TL if your assets at Garanti BBVA are 7,500,000 TL or more.
- Selects
- 20% at restaurants; 10 to 20% at other Selects venues; up to 7,000 to 10,500 TL in a period, by assets.
- Points
- 1 point for each 1 TL. On the travel and concierge line a point counts triple.
- Concierge
- The same services as The Platinum Card, at home and abroad.
- Lounges
- Two free entries a month at the domestic lounges, and the Centurion Lounges abroad.
Checked 25.10.2026 · American Express card comparison · discount page.
Airport lounges
- Where: Sabiha Gökçen (Plaza Premium Lounge), Ankara Esenboğa, İzmir Adnan Menderes, Milas-Bodrum and Dalaman (Primeclass Lounge).
- How many: The Platinum Card, one free domestic entry a month; Metal The Platinum Card, two. A ticket of any class counts.
- At the door: Hand the physical card to the staff. Nothing is charged there, and the card must have been used for a purchase in the last 3 months.
- Later entries: They are charged to the card and appear on the statement about 60 to 90 days later.
Checked 25.10.2026 · American Express airport page
Where the card is taken: shops, terminals and the code
American Express prints two lists in its card guide: brands where you can use the card in shops, and brands where you can use it online. Whether a till takes the card also depends on its terminal.
Six banks’ terminals
The card guide says the card can be used on the terminals of Garanti BBVA, İş Bankası, Vakıfbank, Halkbank, TEB and Şekerbank.
The code on the front
At an online checkout the card guide has you use the 4-digit code on the front of the card. Other cards use the 3-digit code on the back.
Up to 2,500 TL with no PIN
A tap pays up to 2,500 TL with no PIN or signature when the card shows the contactless logo and the terminal is contactless. A phone with NFC (near-field communication, a chip that works at about 4 cm) can pay the same way if the card is set up on it.
Taksit at chosen brands
Taksit means paying a purchase in monthly parts. American Express’s application page lists instalments at chosen brands as a feature of the Green card. The months the state allows for each kind of purchase are in Credit cards in Turkey.
Stickers, lists and the till
- A sticker on a window shows which card brands that shop says it takes.
- A name in the lists means American Express names the brand for in-store use, for online use or for both.
- Neither? Ask at the till before you order.
Across borders: a foreign card here, a Turkish card away
Two directions matter to a visitor: an American Express card issued in another country, used in Türkiye, and the card issued here, used abroad.
Which direction?
- What works
- At Garanti BBVA terminals and Garanti BBVA ATMs you can buy and draw cash with it. Garanti BBVA American Express page, checked 25.10.2026
- What does not
- Its bill cannot be paid at Garanti BBVA branches. Only Garanti BBVA’s own American Express cards can be paid there.
- Who to ask
- The bank that issued your card, for its limit and for the fees it charges abroad.
- Conversion
- Spending in a foreign currency is converted to US dollars at the rate the card network sets, then to lira at the bank’s selling rate. Euro spending that is not cash stays in euros on American Express cards.
- Tax and fees
- The cardholder pays Kambiyo Gider Vergisi, a tax on converting foreign currency, and the network fees and commissions the bank pays are added to the debt. American Express use-abroad page, checked 25.10.2026
- A foreign-currency statement
- You can ask for a statement in euros or US dollars. You then pay the whole of it in that currency by the due date; an unpaid part is converted to lira the next day at the bank’s selling rate. The minimum payment on such a statement is 100%.
- Cash
- Interest on a cash advance runs daily from the day of the transaction.
Check before you travel
Which rate and which tax apply to a given purchase is the bank’s to say: American Express’s use-abroad page prints the rules; to ask, call Alo Amex (444 0 700).
Applying as a foreigner: ID number, guarantor and limit
The card is applied for through Garanti BBVA, in four ways. The online form asks for an ID number, a phone number and a birth date.
Four ways to apply
- Garanti BBVA Mobil, the bank’s phone app.
- Internet banking, on the Garanti BBVA site.
- Alo Amex (444 0 700), the phone line.
- A branch.
Checked 25.10.2026 · Garanti BBVA American Express page
- The ID numberThe form asks for the T.C. kimlik numarası, the citizen’s ID number. A foreigner has the yabancı kimlik numarası (the foreigners’ ID number), which starts with 99. The phone must be a mobile number of an operator defined in Türkiye. A button on the form asks a customer representative to call you.
- The papersForeign nationals, like people who do not work, apply with a guarantor (garantör). The guarantor’s identity card (nüfus cüzdanı) is attached, and the guarantor’s name, home and phone go on the form. A foreigner may use a passport as ID. Garanti BBVA card FAQ · checked 25.10.2026
- The decisionGaranti BBVA says it judges an application within 20 days.
- The limitAmerican Express cards sit inside Garanti BBVA’s customer limit, one limit for all your cards there. With no other Garanti BBVA card, the system sets a limit from the information in your application.
Ask Garanti BBVA first
Which papers a given foreigner needs, and whether the guarantor is required, is for Garanti BBVA to say: ask on Alo Amex (444 0 700) or at a branch. More on banks for foreigners: Turkish banks.
Interest and taxes: what an unpaid balance costs
Pay the whole statement debt by the due date and no interest runs on what you bought. What stays unpaid carries interest by the month, and two taxes are added to it.
| What | Monthly rate | Which debt |
|---|---|---|
| Contract interest (akdi faiz), the price of the unpaid part | 3.25% | Statement debt below 30,000 TL |
| Contract interest | 3.75% | Statement debt from 30,000 to 180,000 TL |
| Contract interest | 4.25% | Statement debt above 180,000 TL |
| Late interest (gecikme faizi), when you pay less than the minimum | Contract rate + 0.30 points: 3.55%, 4.05% or 4.55% | The unpaid part of the minimum payment |
| Cash advance (nakit avans) interest | 4.25% | From the day of the withdrawal to the payment day |
American Express interest table, rows dated 01.01.2026 · checked 25.10.2026 · rates and fees page.
Two taxes on top
KKDF (Kaynak Kullanımı Destekleme Fonu, a state levy collected on the interest of loans) is 15% and BSMV (Banka ve Sigorta Muameleleri Vergisi, the tax on banking and insurance transactions) is 15%, both added to card interest by law.
Garanti BBVA American Express page · checked 25.10.2026
- No compound interest
- Interest is not charged on interest in card debts.
- The minimum payment
- It is a share of the statement debt that depends on the card limit; Credit cards in Turkey gives the current shares.
- Missed minimums
- Pay under the minimum three times in a calendar year and the card is closed to cash withdrawals and limit rises until the whole debt is paid. Do it three times in a row and the card is closed to use until the whole debt is paid. American Express use-abroad page, checked 25.10.2026
- Paying the bill
- Other banks’ ATMs take payments with no fee charged to the card. Paid payment points: partner shops with the “Anlaşmalı Ödeme Noktası” (contracted payment point) sign and PTT (the Turkish post office) online branches; 19.17 TL is charged when you pay. Payment points take only lira statements, up to 20,000 TL per customer a month. American Express payment page, checked 25.10.2026
When something goes wrong
Three things happen in practice: a card is lost or stolen, a cash machine keeps the card, or a message asks for a code. Each has a rule that American Express prints.
- Call to close itCall Alo Amex (444 0 700) to have the card closed and renewed. Use your own phone or the nearest safe one, and dial the number yourself.
- Papers tooIf your ID papers were lost as well, report it to the police and the public prosecutor.
- The renewal feeTwo renewals a calendar year are free; from the third, American Express’s fee page charges 2,550 TL for Metal The Platinum Card and 110 TL for the other cards.
The ATM kept the card
- Tell nobody the PIN. Call Alo Amex (444 0 700) at once.
- At a Garanti BBVA branch ATM in working hours, collect the card at that branch.
- At any other ATM, or at night, call Alo Amex.
- If the screen does not ask for the PIN as usual, do not type it: call.
A code you did not expect
- An online payment may ask for a one-time code sent by SMS (3D Secure, a second check by the bank). Type it only in the payment window, and read the shop’s name and the amount in the message first.
- Banks do not phone to ask for the card’s expiry date, the security number or the PIN.
- Keep four things to yourself: the 3-digit code on the back, the 4-digit code on the front, the expiry date and the PIN.
A charge you do not recognise goes to a dispute (işlem itirazı). American Express’s page links to Garanti BBVA’s dispute form; the steps after that are in Credit cards in Turkey.
Sources and limits
Show the pages checked
- Yıllık Üyelik Ücretleri (fee page, updated 13.02.2026) — American Express Türkiye, checked 25.10.2026
- Faiz ve Ücretler Tablosu (rows dated 01.01.2026) — American Express Türkiye, checked 25.10.2026
- Kart Kullanım Rehberi (the two brand lists, the terminals, the online code) — American Express Türkiye, checked 25.10.2026
- Şirket Hakkında — American Express Türkiye, checked 25.10.2026
- Otel ve Restoran İndirimleri — American Express Türkiye, checked 25.10.2026
- Selects — American Express Türkiye, checked 25.10.2026
- Membership Rewards — American Express Türkiye, checked 25.10.2026
- Concierge Hizmetleri — American Express Türkiye, checked 25.10.2026
- Havaalanı Hizmetleri — American Express Türkiye, checked 25.10.2026
- Kredi Kartları Karşılaştırma Tablosu — American Express Türkiye, checked 25.10.2026
- Temassız Ödeme — American Express Türkiye, checked 25.10.2026
- Yurt Dışı Kullanımı Detayları — American Express Türkiye, checked 25.10.2026
- Güvenli Kart Kullanımı — American Express Türkiye, checked 25.10.2026
- Ödeme Kanalları — American Express Türkiye, checked 25.10.2026
- Kredi Kartı Başvurusu — American Express Türkiye, checked 25.10.2026
- American Express Card — Garanti BBVA, checked 25.10.2026
- Ürün ve Hizmet Ücretleri — Garanti BBVA, checked 25.10.2026
- Kredi kartları: sıkça sorulan sorular — Garanti BBVA, checked 25.10.2026
- İşlem itirazı — Garanti BBVA, checked 25.10.2026
- Finansal Tüketicilerden Alınacak Ücretlere İlişkin Tebliğe İlişkin Uygulama Talimatı, 13.01.2026 — TCMB, checked 25.10.2026
Photos are from Wikimedia Commons, each with its author, date and file page in the caption. The American Express and Garanti BBVA logos are public-domain files from Wikimedia Commons and trademarks of their owners; they only name the company, and neither company took part in this guide.
This guide is general information, not financial advice. It does not recommend a card. Fees and rates change: ask Garanti BBVA for its current terms, and read the contract before you sign.
