Reflected Bonus Card

With the Reflected Bonus Card, you earn bonus on all your purchases and the more you spend, the more you shop for free.

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Now, you can use your credit card not only when you are shopping but also when you are putting on your make-up! With the Reflected Bonus Card that has all the features of the Bonus Card, the more you spend, the more free shopping you can enjoy. You can appy for a Reflected Bonus Card at any Garanti BBVA branch.

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  • Features and Benefits
    • Anywhere in the world, you earn bonus on all your purchases you make with your Reflected Bonus Card. (1 Bonus = 1 TL)
    • You earn extra bonus on purchases you make from over 250.000 Bonus program partners.
    • You can use your accumulated bonus for shopping free at Bonus program partners.
    • You can combine the joy of Bonus with the comfort of layaway shopping.
    • With your Reflected Bonus Card, you can access your current accounts from all Paramatiks and conveniently perform the transactions that you carry our with your Paracard such as money withdrawals and deposits.
    • When you need cash, you can withdraw cash advance with fixed installments and suitable interest rates.
    • You can find out the bonus you have accumulated through Bonus program partners, Alo Bonus 444 0 334, Garanti BBVA Internet Banking, bonus.com.tr or your account statements.
    • You can easily and quickly make your payments via Internet Banking or 444 0 333 Garanti BBVA Customer Communication Center.

    If you have changed or thinking about changing your existing Bonus Card with the Reflected Bonus Card, we suggest you to read our important reminders.

  • Rates and Fees
    Product Annual Membership Fee* Supplementary Card Annual Membership Fee* Shopping Interest** Overdue Interest** Cash Advance Interest Cash Advance Fee Over-the -limit Interest Product Fee
    Bonus Card124,00 TL62,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Bonus Plus Card144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Bonus Premium Card162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Bonus Şeffaf Card***124,00 TL62,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6015,00 TL
    Şeffaf Bonus Plus144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6015,00 TL
    Şeffaf Bonus Premium162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6015,00 TL
    Fenerbahçe Bonus Card124,00 TL62,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Fenerbahçe Bonus Gold Card144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Fenerbahçe Bonus Platinum Card162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Çevreye Duyarlı Bonus124,00 TL62,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Çevreci Bonus Plus144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Çevreci Bonus Premium162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Aynalı Bonus Premium162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6015,00 TL
    Aynalı Bonus Plus144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6015,00 TL
    Aynalı Bonus Card***124,00 TL62,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6015,00 TL
    Bonus Trink Saat12,00 TL6,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6070,00 TL
    Bonus Trink Sticker12,00 TL6,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6010,00 TL
    Bonus Trink Card124,00 TL62,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6010,00 TL
    Bonus Trink Anahtarlık12,00 TL6,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6010,00 TL
    Bonus Platinum American Exp.162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    GS Bonus Card124,00 TL62,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    GS Bonus Gold Card144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    GS Bonus Platinum Card162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Bonus Trink Cepte12,00 TL6,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Altın Bonus Card144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    BJK Bonus Card124,00 TL62,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    BJK Bonus Gold Card144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    BJK Bonus Platinum Card162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Bağlı Bonus American Express37,00 TL18,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Bonus American Express162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Trabzonspor Bonus124,00 TL62,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Trabzonspor Bonus Gold144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Trabzonspor Bonus Premium162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Bonus Flexi--% 1,60% 2,00% 1,60% 3,85 + 9,10 TL (minimum 9,10 TL)% 1,60-
    Bonus Genç--% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Bonus Gold144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Bonus Platinum162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Bonus Gold Trink144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6010,00 TL
    Bonus Platinum Trink162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6010,00 TL
    Şeffaf Gold144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6015,00 TL
    Şeffaf Platinum162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6015,00 TL
    Çevreci Gold144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Çevreci Platinum162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,60-
    Aynalı Gold144,00 TL72,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6015,00 TL
    Aynalı Platinum162,00 TL81,00 TL% 1,60% 2,00% 1,60% 3,75 + 9,00 TL (minimum 9,00 TL)% 1,6015,00 TL

    Last Update : 15/12/2019 21:39

    KKDF (Resource Utilization Support Fund) and BSMV (Banking and Insurance Transactions Tax), collected in accordance with the law, are 15% and 5% respectively.

    * No annual membership fee is charged for the first year.
    ** The shopping interest is the interest rate that will be applied to your remaining period balance. The overdue interest is the maximum net monthly interest rate determined by TCMB that will be applied only to the unpaid portion of your minimum payment amount if you pay less than the minimum payment amount of your period balance.
    *** For one time only, you can replace your existing card with a Transparent or Reflected Bonus by paying TL 15.

  • FAQs

    We found the following questions in our Help & Advice which might be useful for you...

    What is the Over-The-Limit Interest?

    The over-the-limit interest is the interest rate that will be applied if you exceed the specified limit of your credit card.

    Find out more

    How can I pay my credit card debt automatically?

    You can place an order for the credit card payment to be collected from your account.

    Find out more

    How does the limit of my supplementary card determined? Can I lower its limit?

    The supplementary cards and main card have joint limits. The limit of the supplementary card is determined by the main card holder at the time of application.

    Find out more

    How Can I Define Garanti BBVA Internet Banking?

    If you have a valid Garanti Credit Card or Paracard, it can be defined through http://www.garantibbva.com.tr/en, 444 0 333 Garanti BBVA Customer Communication Center or Garanti BBVA ATM. If you do not have valid mentioned products, it can also be defined via our branches.

    Find out more

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