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Do you have marriage expenditures?, Are you going to go on a journey?, Are you going to change your furniture?, Do you have high-priced shopping that you shall make at a certain period of time?

İhtiyaç Card is just for you!

Kuveyt Turk offers the opportunity to have an application realized for the first time in Türkiye, with the need card, which you can use for all your needs. İhtiyaç Card, which you may obtain from our branches or mobile branch, enables you to benefit from single-payment advantages in your shopping and make your payments in the number of installments you have stated during your application (from 6 months to 34 months)

With İhtiyaç Card, you do installments over the cash price that you have agreed on not in certain stores but every store at home and abroad.

You can use your İhtiyaç Card through 2 months from the card print date. During these 2 months, you can buy all your needs with financial support. At the end of 2 months, the card with financing feature automatically turns into a debit card, allowing you to make contactless payments for your shopping. If you need consumer financing again, you can apply for a İhtiyaç Card from Kuveyt Turk Mobile, and you can easily convert your card in the form of a debit card into a consumer financing card.

"Kuveyt Turk İhtiyaç Card is with you for all your needs..."


  • In your expenditures, it provides you with the opportunity of installment on each POS independent of contracted merchants.
  • It removes the obligation of bringing a new invoice and making a new installment plan for each shopping.
  • It offers the convenience of following all transactions on a single account statement.
  • With İhtiyaç Card, you use your personal finance as a card and make use of the security opportunities of Credits Cards in case it is stolen, lost, etc.
  • You can use your İhtiyaç Card through 2 months from the card print date and are never unable to work your debt out.
  • You bargain with the seller as if you make cash payment but pay your expenditures by installments over the bargain price that you shall get.
  • You benefit from the opportunity of installment shopping abroad.
  • İhtiyaç Card, which can be used through 2 months from the card print date, it turns into a debit card where you can make contactless payments for all your shopping with your balance load and withdraw cash from ATMs when necessary.
  • If you need consumer financing again, you can apply for İhtiyaç Card with the amount and number of installments you need from Kuveyt Turk Mobile. With the approval of your application, the İhtiyaç card which is a debit card turns into a finance card, again.
  • You can pay for all your purchases of 50 TL or more with the İhtiyaç Card in installments from 6 to 34 months.
  • With İhtiyaç Card, computer and tablet purchases can be made up to 4 installments.
  • Mobile phone purchases can be made up to 5000 TL. For mobile phone purchases of more than 5000 TL, the İhtiyaç Card cannot be used.
  • Cash withdrawals and deposits cannot be made at ATMs while the İhtiyaç Card is in financing form.
  • In places selling alcoholic beverages, grocery and food expenditures, fuel expenditures, monopoly dealers, auto services, currency exchange transactions, casino and games of chance, court and fines, car rentals, top-ups, taxes, invoices, insurance, car dealerships and jewelery stores, transactions cannot be made with a İhtiyaç card.


An installment plan is made for each transaction equal to or more than 50 TL that you shall make by Kuveyt Turk İhtiyaç Card. The number of installments is determined by you during card application. The number of installments that you have determined remains stable and an installment plan is made for all of your transactions above the minimum limit. You benefit from cash price (single payment) discount and, as murabaha, Kuveyt Turk İhtiyaç Card does installments. In the case of early closure of your credit card, the remaining profit and taxes for the next months will not be paid back, just the remaining balance will be paid back. 

Nearby Branches, ATMs and XTMs

Branches and ATMs