When you apply from the branch, if your application is approved, you will be signing Pratik Finansman Kart Sözleşme Öncesi Bilgi Formu (Practical Financing Card Pre-Contract Information Form) and Pratik Finansman Kart Sözleşmesi (Practical Financing Card Agreement) after giving the information about your profession, financing and installment amounts and installment date you requested. Your payment plan will be created after this process. Your application process will be completed after you sign the Kart Teslim Tutanağı (Card Delivery Report) that will be given to you immediately by our branch personnel.

All our individual Albaraka customers can apply for the Practical Financing Card through Albaraka Mobile, Internet Branch or our branches. Those who are not Albaraka customers can become our customers by downloading Albaraka Mobile. After being our customer, they can apply through Albaraka Mobile, Internet Branch or our branches.

While standard debit cards allow you to make transactions such as withdrawals, investments and balance checking, Practical Financing Card helps you meet your needs instantly by using financing, as it is only a consumer financing product.

When you apply from our branches or digital channels, you will only be giving information about your profession, the financing and installment amount you requested, and the first installment date.

With the Practical Financing Card, you can use financing up to a minimum of 250 TL and a maximum of 100,000 TL, and reschedule your expenses for up to 36 months with a 3-month nonpayment period.

Applications made from Albaraka Mobile or Internet Branch: After fulfilling the information requested, if the application is approved, customer should approve the Practical Financing Card Pre-Contract Information Form and the Practical Financing Card Agreement by writing “I have read and understood”. After that, your payment plan will be shown to you and your approval will be received digitally. Since your card will be delivered by courier, your signature on the delivery document will be taken at the end.

During your application, you can choose the term number and first installment date of your financing limit defined on your card. You can set your installment payment date for any day (between 61-90th days) within 1 month, which is the month following the 2-month usage period of your card. In addition, you can reschedule your expenses for a total of 36 months with a nonpayment period of 2 months.

• For your mobile phone purchases, you can make a maximum of 12 installments for purchases up to TRY 20,000 and a maximum of 3 installments for purchases over TRY 20,000.
• You can have a maximum of 10 installments for your computer purchases.
• You can have a maximum of 4 installments for your tablet purchases.

*Maximum financing installment amounts and total amounts are determined within the scope of legal regulations and agreements with companies. For this reason, they may differ.

You can use your card for 2 months. Your defined card limit can be used at once or in parts.

You can use your card domestically in all merchants that comply with the principles of participation banking and have a POS. Only our Practical Financing Card product which is only personal finance cannot be used for vehicle and housing purchases. In our practical card product, which is only for consumer financing, the relevant financing card cannot be used when it comes to purchasing a vehicle or house. Apart from this, in accordance with the principles of participation banking, it is not possible to make transactions in places that sell alcoholic beverages, grocery and food expenditures, fuel expenditures, monopoly dealers, exchange office transactions, casino and games of chance, court and fines, credit, tax, invoice, insurance, hotel - accommodation, aesthetic centers, hair transplantation centers and jewelry stores.

Payments you make to merchants with your card are paid in cash. You will be using your personal finance with the maturity and profit rates you set automatically, and you can make your payments on a deferred basis.

You may follow the Practical Financing Card> Card Information steps on our Digital Channels and get your digital card information.