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Credit Cards in Turkey

Publisher Euromonitor International
Published Feb 25, 2026
Length 32 Pages
SKU # EP20934887

Description

Credit card numbers and transaction volumes in Turkey continue to rise in 2025, driven by new entrants to the banking system, persistent inflation, and elevated retail prices. Consumers increasingly rely on credit cards to manage daily expenses and preserve purchasing power. At the same time, rapid growth in e-commerce and mobile-based payments, supported by instalment options and smartphone integration, is further accelerating card usage and reinforcing Turkey’s shift toward a more cashless eco...

Euromonitor International's Credit Card Transactions in Turkey report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Commercial Credit Card Transactions, Personal Credit Card Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?
* Get a detailed picture of the Credit Card Transactions market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market’s major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

32 Pages
Credit Cards in Turkey
Euromonitor International
February 2026
List Of Contents And Tables
CREDIT CARDS IN TURKEY
KEY DATA FINDINGS
2025 DEVELOPMENTS
Consumers increasingly rely on credit cards to manage daily expenses and preserve purchasing power
INDUSTRY PERFORMANCE
Expansion in the banked population and high inflation ensure broader credit card ownership
Growth of e-commerce and mobile phone-based payments accelerate credit card usage
WHAT’S NEXT?
Further expansion supported by a well-established and technologically advanced banking infrastructure
Premium cards cater to consumers seeking a more tailored and value-added banking experience
Issuers that can offer enhanced security, integrated digital experiences, and tailored value-added services will be better positioned to succeed
COMPETITIVE LANDSCAPE
Visa’s broad infrastructure and continuous innovation ensure it remains at the forefront of the credit card market
With a focus on security, digital innovation, and added-value services, Yapi ve Kredi Bankasi is the leading issuer
Isbank’s dynamism driven by its innovation, broad customer reach, and strong digital transformation
Mastercard expands its presence through collaborations and investing in advanced payment technologies
CATEGORY DATA
Table 1 Credit Cards: Number of Cards in Circulation 2020-2025
Table 2 Credit Cards Transactions 2020-2025
Table 3 Credit Cards in Circulation: % Growth 2020-2025
Table 4 Credit Cards Transactions: % Growth 2020-2025
Table 5 Commercial Credit Cards: Number of Cards in Circulation 2020-2025
Table 6 Commercial Credit Cards Transactions 2020-2025
Table 7 Commercial Credit Cards in Circulation: % Growth 2020-2025
Table 8 Commercial Credit Cards Transactions: % Growth 2020-2025
Table 9 Personal Credit Cards: Number of Cards in Circulation 2020-2025
Table 10 Personal Credit Cards Transactions 2020-2025
Table 11 Personal Credit Cards in Circulation: % Growth 2020-2025
Table 12 Personal Credit Cards Transactions: % Growth 2020-2025
Table 13 Credit Cards: Number of Cards by Issuer 2020-2024
Table 14 Credit Cards: Number of Cards by Operator 2020-2024
Table 15 Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 16 Credit Cards Payment Transaction Value by Operator 2020-2024
Table 17 Commercial Credit Cards: Number of Cards by Issuer 2020-2024
Table 18 Commercial Credit Cards: Number of Cards by Operator 2020-2024
Table 19 Commercial Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 20 Commercial Credit Cards Payment Transaction Value by Operator 2020-2024
Table 21 Personal Credit Cards: Number of Cards by Issuer 2020-2024
Table 22 Personal Credit Cards: Number of Cards by Operator 2020-2024
Table 23 Personal Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 24 Personal Credit Cards Payment Transaction Value by Operator 2020-2024
Table 25 Forecast Credit Cards: Number of Cards in Circulation 2025-2030
Table 26 Forecast Credit Cards Transactions 2025-2030
Table 27 Forecast Credit Cards in Circulation: % Growth 2025-2030
Table 28 Forecast Credit Cards Transactions: % Growth 2025-2030
Table 29 Forecast Commercial Credit Cards: Number of Cards in Circulation 2025-2030
Table 30 Forecast Commercial Credit Cards Transactions 2025-2030
Table 31 Forecast Commercial Credit Cards in Circulation: % Growth 2025-2030
Table 32 Forecast Commercial Credit Cards Transactions: % Growth 2025-2030
Table 33 Forecast Personal Credit Cards: Number of Cards in Circulation 2025-2030
Table 34 Forecast Personal Credit Cards Transactions 2025-2030
Table 35 Forecast Personal Credit Cards in Circulation: % Growth 2025-2030
Table 36 Forecast Personal Credit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
FINANCIAL CARDS AND PAYMENTS IN TURKEY
EXECUTIVE SUMMARY
Ongoing shift toward digital and credit-based solutions
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Strong growth with consumers increasingly relying on credit cards
Digital wallets and mobile payment solutions gain even more traction
Expansion of e-commerce plays a significant role in boosting credit card transactions
WHAT’S NEXT?
New credit card regulations aim to create a more secure, transparent, and sustainable financial environment
Increasing reliance on credit to manage daily expenses amid economic uncertainty
Rise of eco-conscious financial products
COMPETITIVE LANDSCAPE
Turkiye Cumhuriyeti Ziraat Bankasi leads, enjoying an extensive customer base and strong reputation
Visa benefits from its strong global reputation, robust security infrastructure, and early adoption of innovative technologies
American Express’ growth driven by its strategic positioning in the premium and digitally engaged consumer segments
Papara Elektronik Para ve Ödeme Hizmetleri successfully positions itself as a modern, flexible, and accessible financial solution
MARKET INDICATORS
Table 37 Number of POS Terminals: Units 2020-2025
Table 38 Number of ATMs: Units 2020-2025
Table 39 Value Lost to Fraud 2020-2025
Table 40 Card Expenditure by Location 2025
Table 41 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 42 Domestic versus Foreign Spend 2025
MARKET DATA
Table 43 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 44 Financial Cards by Category: Number of Accounts 2020-2025
Table 45 Financial Cards Transactions by Category: Value 2020-2025
Table 46 Financial Cards by Category: Number of Transactions 2020-2025
Table 47 Consumer Payments by Category: Value 2020-2025
Table 48 Consumer Payments by Category: Number of Transactions 2020-2025
Table 49 M-Commerce by Category: Value 2020-2025
Table 50 M-Commerce by Category: % Value Growth 2020-2025
Table 51 Financial Cards: Number of Cards by Issuer 2020-2024
Table 52 Financial Cards: Number of Cards by Operator 2020-2024
Table 53 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 54 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 55 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 56 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 57 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 58 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 59 Forecast Consumer Payments by Category: Value 2025-2030
Table 60 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 61 Forecast M-Commerce by Category: Value 2025-2030
Table 62 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources

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