About
Bonus is a Turkish credit-card brand and loyalty programme founded and run by Türkiye Garanti Bankası (Garanti BBVA). Cardholders pay by contactless, chip or online card payment and, at Bonus partner merchants, can split a purchase into instalments (taksit), usually 2 to 9 as offered by the merchant, while earning Bonus points to spend at partners. Unlike a standalone pay-later app, Bonus is a shared bank platform: Garanti licenses the brand to seven other banks, including DenizBank, TEB, ING and Türkiye Finans, whose cards use the same merchant network. Garanti BBVA reported a 22.6% share of credit-card customers among private banks as of June 2026.
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