Ready-made Flexi Options

Ready-made Flexi options are at your fingertips to select the Flexi that suits you the best!

If you are willing to use a credit card that suits you but having hard time choosing, Ready-Made Flexi options are just the thing for you. From the 4 options offered, you can select the one that suits you the best, and change it afterwards if you wish.

What's more, in addition to its features, you will also decide on its design. Immediately start creating your Flexi by choosing from a wide variety of colorful designs and photographs.

You can apply for a Flexi Card at any Garanti BBVA branch.

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  • Options

    Super Bonus Flexi

    Super Bonus Flexi for those who like free shopping!

    • With the Super Bonus Flexi, you earn 0,6% more bonus for your highest expenditure on your latest statement.

    Bonus Rate: 0,40%

    Installment Booster Flexi

    Installment Booster Flexi for those who like layaway shopping!

    • By choosing the sector that you want, you can have 2 extra installments for your purchases.

    Bonus Rate: 0,16% 

    Bonus-Installment Combo Flexi

    Flexi with both bonus and installments, for those who like to shop in various ways!

    • You can have 2 extra installments for the highest amounted purchase on your latest statement.

    Bonus Rate: 0,40%

    Low Interest Flexi

    Low Interest Flexi, for those who like to buy a lot and pay a little!

    • You can make small payments using your credit line at the most suitable interest rate.

    Bonus Rate: 0,05% 


  • 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
    Flexi Card--% 1,25% 1,55% 1,25% 1,00 + 0,00 TL (minimum 0,00 TL)% 1,25

    Last Update : 09/08/2020 23:07

    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.

  • FAQs

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

    How can I create the visual of my Flexi Card?

    You can determine your card visual by selecting one of the 6 different standard Flexi visuals.

    Find out more

    How can I change my package? What counts as package change?

    You can change your package through 444 0 333 Garanti BBVA Customer Communication Center, or Garanti BBVA branches.

    Find out more

    What are the features of Flexi?

    Flexi enables you to earn installments and bonus everywhere Bonus Card is accepted.

    Find out more

    Can I get information in regards to using the bonus accumulated on my Flexi?

    You can use the bonus that you have earned with your Flexi Card in any way that you like.

    Find out more

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