OptimumCard Gold

Experience an exclusive credit card!

As well as offering you all of the facilities of OptimumCard, the OptimumCard Gold offers the additional advantage of a high expenditure limit.

With your exclusive limit,you can shop to your heart's content anywhere in the world. Also you will feel the comfort of carrying a powerful source of cash in your pocket everywhere.

Shopping may be done with OptimumCard Gold in all the locations carrying a Visa / MasterCard logo; you can meet your cash needs wherever you are in the world.

You can benefit from the Comfort Lounge services at Istanbul Atatürk Airport foreign terminal free of charge.

You also get Optimum Points when you shop abroad.

• Features of Optimum Gold

  • Comfort Lounge Services at İstanbul Atatürk Airport.
  
  • You can use all the Lounge services for free of charge
  • While having your free refreshments and waiting for your flight in the elegant Comfort Lounge, you can browse the Internet to spent the time or deal with your business affairs.
  • If you wish you can take advantage of the shower and massage chair at the Lounge and you can relax.
  • What’s more, you can also take a guest for free of charge.With your free guest, let your children take the advantage of these exclusive services of the Comfort Lounge too. There's a 50% reduction for those aged 7-12 and it's free for the under the age of 6.
  • To take advantage of the Comfort Lounge services, you must have used your card within the last three months and made your payments regularly.
  • ATU Lounge Usage Rules Changes: As of June 1, 2016 Ataturk Airport Comfort Lounge conditions of use have been changed. For free use of the Comfort Lounge, the total expenditure in the last statement or current term activity for the main card and/or additional card should be 1500 TL. For the cardholder and one guest together (2 people), the expended total amount of 2,000 TL will be asked for free use in addition to the existing conditions.
  • Personal Accident Insurance
  • You are insured with a 30% exclusive discount on your Gold card. The premium is payable in 12 monthly instalments of only 5 TL.
  • Personal accident insurance provides cover of up to 50,000 TL in the event of death or permanent injury resulting from an accident.

• Features of OptimumCard

  • Points with OptimumCard not limited with purchasing only ... There are points in each process/transaction.

  Pay by direct debit or use your Optimum Points to pay... and get even more Optimum Points.

  • The opportunities are limitless with OptimumCard... our Call Centre on (0392) 600 02 02, Internet branch and KOOP24 ATM's are all at your service.

  24 Hours a day, you can check the balance and statement information on your card, change the password, make cash advance withdrawals and pay for your credit card accounts by accessing the current and cheque accounts linked to your card at our KOOP24plus+ ATMs which also accept cash payments.

  • OptimumCard thinks of your relatives... It offers special opportunities with additional cards designed for them.

  You can choose additional cards and specify the limit of these cards yourself either for your spouse or other members of your family aged 18 and over.

  • OptimumCard communicates with you in everyway...
  • E-mail, SMS, Fax. You can ask for your statements to be sent to you via e-mail or fax. If you wish, you can have your payment information as a short message on your telephone.
  • Use OptimumCard to shop safely while abroad...
  • The details of every purchase made using your OptimumCard while abroad will be sent to you as an SMS to ensure your safety at maximum level.
  • OptimumCard will never leave you stranded... It is insured against loss and theft.
  • Don’t worry if your card is lost or stolen, just call us immediately. You will not be liable for any purchase made on your card from the moment you notify us.
  • Payments are easy with OptimumCard... Your purchases can be paid easily when payments are due.

  With OptimumCard you have many payment options... Pay the minimum amount indicated on your statement and leave the rest of the balance on your card. Place a standing order instruction to settle either the whole balance on your statement or the minimum payment.

  • Payments made via the Telephone Banking on (0392) 600 02 02, the Internet Branch, the Mobile Branch or using KOOP24 ATMs before 23.30 are credited on the same day. Alternatively you can pay cash direct from KOOP24plus + ATMs.
  • Get Optimum Points with OptimumCard... First points are complimentary from us.

  We offer you starter Optimum Points worth 5.00 TL with your new OptimumCard as a “Welcome” and double that if you are a new customer whose salary is paid directly into an account with our bank or a new customer who arranges for this. Use your Optimum Points to treat yourself.

  • Obtaining an OptimumCard is very easy... Discover how right now.

  All you need to do is visit your nearest KoopBank Branch and fill in an application form. Bring a photocopy of your ID, your residency certificate or an electricity or water utility bill in your name and a document indicating your income (payslip, employer's letter - if you are a pensioner or a freelancer, please indicate your income on the application form) and give them to one of our customer service staff. Those who can not provide an Income statement to get an Optimumcard , a deposite account will be blocked in order to be able to get the card. Don't forget that first points on the card are complimentary from us.

Click here for fees and rates valid on Credit cards.

Optimum Instalment

Delayed Instalment

Optimum Advance

Optimum Points

• Optimum Instalment

  Don't postpone your dreams. Choose the instalment option for your purchase payments.

  Use Optimum Instalment for your OptimumCard payments. You can take advantage of favourable shopping opportunities and payment conditions whenever you see the Optimum symbol in more than 4,000 member businesses. With OptimumCard you have the option to either pay in full or in interest-free instalments regardless of the payment period.

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• Optimum Delayed Instalment

  Anywhere in the world... Shop first and then pay in instalments. You can even pay off your full purchases in instalments!

  With OptimumCard turn all your single payment purchases into instalment payments either at home or abroad. All you need to do to make your payments is visit our Internet Branch online, use our Mobile Branch via your mobile phone or tablet or contact our Call Centre on (0392) 600 02 02.

  • Delayed Instalment Fees

    Number of Instalments	Fee (BSİV not included)
    3	% 2.63
    6	% 4.88
    9	% 7.23
    12	% 9.70

  • How to calculate a delayed instalment

    • Paying for your 100 TL purchase in 3 instalments;
    • Fee for a 3 instalment delayed payment is %2.63 (BSİV not included).
    • Transaction fee =100 TL x %2.63 + BSİV = 2.63 TL + BSİV
    • Total amount to pay = 100 + 2.63 + 0.08 BSİV = 102.71 TL
    • Each of the 3 instalments will be 34.24 TL.
    • Paying for your 1,000 TL purchase in 12 instalments;
    • Fee for a 12 instalment delayed payment is %9.70 (BSİV not included).
    • Transaction fee = 1,000 TL x %9.70+ BSİV = 97 TL + BSİV
    • Total amount to pay = 100 + 97 + 2.91 BSİV = 1,099.91 TL
    • Each of the 12 instalments will be 91.66 TL.
    • Paying for your 400 Euro purchase in 6 instalments;
    • Following the exchange procedure completed within the banking system, a fee of 4.88% and its BSİV is added to the TL equivalent of your purchase price. Then the “Total amount to pay” is divided by six and the resulting amount is paid in six instalments.

  • Channels for applying for Delayed Instalment

    • Internet Branch
    • Mobile Branch
    • Dial 0 on (0 392) 600 02 02 to connect to one of our customer services representative at our Call Centre.

  • Detailed Information

    • You need to request delayed instalment payment prior to the payment due date of the credit card used for your purchase.
    • You can request delayed instalment on each of your purchases and pay for as many purchases as you like.
    • You can also request instalment payment for the purchases made with the additional card/s. Delayed instalment payment requests for purchases made on the additional card need to be made by the main card holder.
    • Purchases made on POSNet E-Commerce over the Internet are included.
    • In order for your single payment purchases to be converted to delayed instalment payments, the purchase needs to appear as debt on your card but not to be included in your statement.
    • Payments not made using Optimum POS Machines can take a few working days to appear on your card, so you can request delayed instalment after this period.
    • For single payment purchases made using Optimum POS Machines, a delayed instalment request can be made on the same day.
    • Payments made during any special campaign offers such as delayed payment or extra instalment will not be eligible for delayed instalments. Even if your request is accepted and entered through the system, it will be cancelled.
    • A request made for a delayed instalment can be cancelled on the same day. A new request for delayed instalment payment on a purchase can be made the next day following the cancellation of a delayed instalment request on it.
    • Purchases made using Optimum Points are not included in this application.
    • Cash advances, expenditure in casinos or on other forms of gambling and purchases previously divided into instalments are not included in this application.
    • There is no refund of payments made if you wish to complete the payment of your purchase prior to the instalment period.
    • The due date of the credit card used for the payment of the instalments can only be changed following the payment of the final instalment

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  Calculate a delayed instalment

• Optimum Advance

  Do not make a big deal … Simply withdraw cash advance from ATMs and our branches.

  With OptimumCard you have the freedom of a cash advance anytime you need. You can withdraw cash from all KOOP24 ATMs, our branches and all ATMs displaying the MasterCard/Visa symbol, at home or abroad.

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• Optimum Points

  Earn all the time… Shop for free by spending points rather than money.

  Optimum Points with OptimumCard. Single payments or instalments, you get Optimum Points on all purchases paid for with OptimumCard. What's more, you can double and quadruple your points at certain point levels and at certain periods. Then you can use the Optimum Points as money for shopping at various outlets.

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