Frequently Asked Questions

Privia Black Credit Card, which you can use for all your domestic and international purchases and earn MaxiPoints from all your purchases, is designed for İşbank private banking customers. Privia Black offers various concierge and assistant services and privileged campaigns.

In order to have the Privia Black Credit Card enriched with special privileges for you, it is sufficient to be our private banking customer. Our private banking customers can apply for a Privia Black Credit Card from our Specialized Banking Branches.

Depending on your Privia Black credit card, for your Privia Black supplementary card requests with a common or different limit, you can apply from our branches, our Internet Branch, our Maximum Mobil application, or call the Privia Black Line no. 0850 724 0 777.

Privia Black has all Maximum features, so you earn MaxiPoints from your purchases at Maximum member businesses, and you can use these MaxiPoints for your shopping. In addition to making your purchases with Privia Black in installments, you can also benefit from various services offered by the Maximum world, such as Maximum Opportunity, Cash Advance in Installments, and Virtual Card, with your Privia Black.

Unless otherwise stated in the conditions of the relevant campaign, Privia Black is included in all Maximum campaigns.

Privia Black Credit Card payments can be made from our branches, the Privia Black Line (0850) 724 0 777, isbank.com.tr, ATMs and mobile banking.

MaxiPoint rates to be earned on purchases made with Privia Black, on the 1st scale if the total asset accumulation is less than 2.000.000 TL at the end of the previous day, 5.000.000 TL on the 2nd scale if it is between 2.000.000 - 5.000.000 TL and if it is above, it will be calculated over the 3rd table. Within the scope of the scales specified for every 100 TL purchase made with a Privia Black credit card, in Turkey or abroad:

• 1.00 MaxiPoints for the 1st scale
• 1.50 MaxiPoints for the 2nd scale
• 1.80 MaxiPoints are earned for the 3rd bar. The maximum amount of MaxiPoints that can be earned per transaction; It is 500 MaxiPoints for customers with an asset accumulation of up to 2.000.000 TL, 750 MaxiPoints for customers with an asset accumulation of 2.000.000 TL - 5.000.000 TL, and 1.000 MaxiPoints for customers with an asset accumulation of 5.000.000 TL or more.

Exception: with Privia Black cards; 1 MaxiPoint is awarded for every 1,000 TL expenditure, at the rate of “1 per thousand” from the transactions carried out in member businesses operating in the pharmaceutical wholesale and insurance sectors, as well as from taxes and public payments.

Therefore, it is not possible to earn MaxiPoints from the expenditures made in member businesses operating in these sectors at the rates specified in the table above. The MaxiPoints earned according to asset accumulation in these sectors and the maximum amount of MaxiPoints that can be earned per transaction are given in the table below:

In addition, MaxiPoints will not be earned from Private Pension Account payments, automatic bill payments and mutual fund transactions made with Privia Black.

In the asset accumulation calculation:

• Investment account,
• Current & Time TL account,
• Current & Time DTH account,
• Gold account totals will be taken into account.

Asset accumulation total will be calculated on a daily basis, and if the asset accumulation total changes, the MaxiPuan earning rates for the bar including the related asset accumulation will be valid the next day.

After entering the My Cards field on the Maximum Mobil home page; Privia Black card information is selected. When the "Earning Rate According to Your Asset Accumulation" field is clicked on the card detail page, informative texts about the point gains according to the relevant asset scale are displayed.

Privia Black cardholders can use the MaxiPoints they have accumulated in their shopping and purchase of airline tickets/travel services at a one-to-one rate.

The MaxiPuan amount held by Privia Black credit card holders shows the ticket price they can buy in the same value. In other words, if the total price of the ticket to be purchased (including airport and shuttle fees) is 500 TL, it is sufficient to have 500 MaxiPuan, and if it is 750 TL, it is sufficient to have 750 MaxiPuan.

Customers who do not have the required MaxiPuan amount for the ticket they want to buy, are offered the opportunity to use Advance MaxiPoints. It is possible to use Advance up to the full MaxiPoint equivalent of the ticket to be purchased.

In case the current MaxiPuan does not cover the total ticket amount, the missing amount may be debited to the credit card. During the ticket purchase, in any case, using MaxiPoints first, one of the options of using an advance for the missing amount or debiting the card is presented to the customer.

MaxiPoints accumulated with Privia Black are expired at the end of the 2nd calendar year following the year they were earned, and any unused MaxiPoints will be deleted at the end of the relevant period.

• Customers with an asset accumulation of up to 2.000.000 TL, up to 1.00% of 12 times the card limit, at most,
• Customers with assets between TL 2.000.000 – TL 5.000.000, up to a maximum of 1.50% of 12 times the card limit,
• Customers with assets of 5.000.000 TL or more, up to a maximum of 1.80% of 12 times the card limit.

Will be able to use an advance amount equal to the entire ticket amount to be purchased.

The total of MaxiPoints that can be used within a year; maximum 40.000 for travel service purchases, maximum 40.000 for domestic flight ticket purchases, and maximum 100.000 for international flight ticket purchases. In the calculation, the sum of "MaxiPoints Used" and "Advance MaxiPoints" will be taken into account.

You can find Privia Black fees and interest rates in the “Credit Cards and Debit Cards” section under the “Product and Service Fees” heading on our website at www.isbank.com.tr.

As of 27.02.2024, an annual membership fee of 2,990 TL (BSMV Excluded) will be charged for newly issued primary credit cards, and 1,495 TL (BSMV Excluded) for supplementary cards.

Credit card annual membership fees issued before 27.02.2024 may vary.

Privia Black program, in addition to earning high MaxiPoints, offers food & beverage, travel, accommodation and airport services, etc. Card-specific campaigns are organized with privileges.

Private banking provides financial and non-financial services specifically designed for high net worth individuals. As İşbank Private Banking, we provide wealth management services enriched with personalized financial solutions and distinctive applications, in line with our personalized customer relationship management approach. By understanding your risk profile and return expectations, we offer personalized financial planning and special financial services through our strong financial subsidiaries and portfolio managers, each of whom are experts in their fields. We support our service delivery with our digital channels. We create value for you not only in financial areas, but also with our special privileged services that make your life easier in every aspect.

Our customers who have a certain level of financial assets at our bank can receive service from our private banking branches, which we have designed with customer comfort and privacy in mind. In our İşbank private banking branches, personalized financial solutions are offered by a professional staff. Become a Privia Customer | You can get information about private banking services by registering on the Privia page, and contact service points at our Contact Information | You can access it through Privia.