Help & Advice

Can I get information about the spending commitment?

If you make a commitment to spend a certain amount each month, you earn bonus. When you make your commitment at the time of the application, the bonus you will earn is directly deducted from the card fee and the rest is loaded to your card. For spending commitments made afterwards, the rewards will be loaded to your card as bonus. This situation only applies to Flexi. If a card holder applies for Bonus Card and applies for Bonus for your Promise, the reward is loaded to the card as bonus.

Monthly Spending CommitmentBonus Offered in Advance
500 TL 30 TL
600 TL 40 TL
750 TL 50 TL
1.000 TL 60 TL
1.200 TL 75 TL
1.500 TL 100 TL
2.250 TL 150 TL
3.000 TL 200 TL

The spending commitment period is 1 year. It is automatically extended at the end of the year, therefore you don't pay the annual card fee for as long as you use your card.

You can submit your spending commitment request along with your application form or through Internet Banking when you are applying for your card. If you want to apply afterwards, you can do so via www.garanti.com.tr Internet Banking, www.flexicard.com.tr or 444 0 333 Alo Garanti.

If you make a spending commitment in the ready-made Flexi packages, you don't pay the annual card fee. In the Create Yourself option, an amount based on your spending commitment amount is deducted from the card fee, and the remaining amount, if any, is loaded to your card as bonus.

With this card, you can select a significantly lower interest rate compared to the other cards. The bonus rate and the card fee will be determined based on this interest rate.

Your monthly spending commitment starts after your first statement following your application.

E.g: You submitted your request on February 1, 2006. The first statement date after your request is February 10, 2006. You need to start fulfilling your spending commitment after February 10.

Your spending commitment is valid on a continuous basis and automatically extended each year after you complete your spending commitment.  

In the case that you cannot fulfill your spending commitment, the loaded bonus amount is reflected on your card as debt.

You can change or cancel your spending commitment via www.garanti.com.tr and 444 0 333 Alo Garanti. In changes, the difference between is calculated and reflected on your card.

E.g: If you change your TL 50 spending commitment to TL 100, the remaining amount of the TL 50 that is equal to the months left in your card membership is reflected on your card as bonus. (If there are 3 months left, 50*3/12 = TL 12,5 bonus is added.)  After each year you use your card, this amount is initially deducted from your card fee. The remaining amount is reflected on your card as bonus or the remaining card fee is reflected on your card.

  1. 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.

  2. I receive my account summary late / don't receive my account summary. How can I keep track of my debt to prevent late payments?

    Your account summary is sent to your statement address the day after the account statement date.

Other ways to get helpOther ways to get help

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Telephone Banking:444 0 333 Alo Garanti