Reflected Bonus

• You earn bonus on all purchases with your Reflected Bonus across the world (1 Bonus= 1TL).
• You earn more bonuses on purchases from over 250,000 Bonus Program Partners.
• You earn a 50% extra bonus on all monthly purchases over 2,000 TL with Reflected Bonus Gold. *
• For your monthly purchases between 2,000 and 4,000 TL with Reflected Bonus Platinum, you earn a 50% extra bonus while it increases to a 100% extra bonus for purchases exceeding 4,000 TL. *
• For your monthly 750 TL and over e-commerce purchases, you earn a %5 bonus. **
• You can use your accumulated bonuses to shop for free at Bonus program partners.
• You can combine the pleasure of bonus with the comfort of purchases in installments.
• Reflected Bonus enables you to perform your contactless transactions up to 750 TL without a PIN or signature. However, you are required to enter your PIN for transactions over 750 TL.
• With your Reflected Bonus, you can access your current accounts from all Garanti BBVA ATMs and conveniently perform the transactions that you carry out with your Paracard, such as money withdrawal and depositing.
• When you need cash, you can withdraw cash advance with fixed installments and suitable interest rates.
• You can find out about your accumulated bonuses through Garanti BBVA Mobile, Garanti BBVA Internet Banking, Bonus program partners, or your account summary.
• You can easily and quickly make your payments via Garanti BBVA Mobile, Garanti BBVA Internet Banking, or 444 0 333 Garanti BBVA Customer Communication Center.

*The maximum monthly extra bonus amount is limited to 20 TL and yearly to 150 TL.

**The maximum monthly extra bonus amount is limited to 42 TL and yearly to 500 TL.

Why are transactions with a contactless credit card safe?

• While creating methods that monitor, predict, and prevent fraud cases, Garanti BBVA and MasterCard develop very advanced fraud prevention techniques to ensure that you will be least affected in such cases. With secure coding technology, your contactless Reflected Bonus is as secure as your usual credit card.

• You are in control! - Your Reflected Bonus cannot make a payment unless you request otherwise.

• No accidental payments - Your Reflected Bonus must be placed within a distance less than 10 cm from the reader device for a payment transaction to be executed.

• No double payments - Even if you scan your Reflected Bonus to the reader more than once during the payment, you only pay once.
  

PayPass Technology

• The Reflected Bonus has a contactless chip and radio frequency transmitter. During the payment, when you approximate your Reflected Bonus to the reader, payment details are transmitted to the MasterCard network. You get the payment approval soon after you hear the beep sound.

Security Advice

• If you are worried about protecting your credit card information, just follow a few simple steps to relieve yourself of this stress.

• Stolen cards are mostly used within the first 48 hours. If you notice a suspicious transaction performed with your card, do not use your Reflected Bonus, and do call the Customer Communication Center at 444 0 333 immediately and inform the bank of the suspicious transaction by following step 1.

• Make sure you know where your Reflected Bonus is, and keep it somewhere safe.

• Check frequently that not only your Reflected Bonus but also your other credit cards are with you in order to make sure that they are not lost.

• Create a single list including the following information about all your cards: card number, expiry date, and emergency number written on the back. Keep this list in a safe place, separated from your cards. You can use the information on this list if you lose your card or it gets stolen.