How much can you earn on every payment?
Rent, taxes, bills, insurance — pay it all with your credit card. Collect Maximum, World, Bonus, Axess and Paraf points every month.
All your payments, one tap away
Schedule rent, bills, taxes and insurance. Earn points on every transaction and see exactly what you've collected at the end of the month.
- Manage every payment from one dashboard
- Automatic reminders and scheduling
- Track the points you earn in real time
Works with Türkiye's leading credit card programs
Payment infrastructure operated by Garanti BBVA.
Garanti BBVA, one of Türkiye's largest banks, handles card acquiring and IBAN settlement. Money never sits on our balance sheet — it moves directly over bank rails.
Built for how bills actually get paid
KiraPuan helps you move more of your monthly payments onto your credit card.
Pay any bill
Rent, taxes, utilities, insurance, tuition, daycare — nothing is left out.
Use the card you want
Visa, Mastercard or Troy — multiply points with the card you trust.
On your own schedule
Pick a frequency that matches how you manage your payments.
KiraPuan handles the rest
The recipient is paid exactly as usual and never knows KiraPuan was involved.
How it works
Here's exactly how the process runs.
Set up your bill
Enter the payment details, the recipient method (bank transfer, bill pay or direct debit), dates and amounts.
Choose your card
Visa, Mastercard or Troy. Pick the card that earns you the most points.
Your card is charged
Four business days before the due date we charge the bill amount plus a 1.75% transaction fee.
Payment lands, points earned
Nothing changes on the recipient's side. The points are yours.
Works with every Turkish card.
Your neighbours earn on every bill. Why not you?
Pay every bill with your credit card and capture the rewards you've been missing.
Don't take it from us — hear it from our users
"Paying rent with KiraPuan is so much easier. I collect thousands of points on my Maximum card every month and paid for my summer holiday with them."
"Rent, insurance, utilities — I pay all of it through KiraPuan. The cashback from my credit card is far more than I expected."
"The service works beautifully. When I'm abroad for long stretches, knowing my bills are paid on time is a huge relief."
Make every lira work harder
KiraPuan charges a small transaction fee for letting you use your credit card where it normally isn't accepted.
- Maximum, World, Bonus, Axess, Paraf, CardFinans
- Instant transaction approval
- Flat rate on every payment
- Visa & Mastercard foreign cards
- Multi-currency support
- Valid for all payments in Türkiye
We didn't invent the credit card. We just made yours work harder.
The same compliance discipline as a bank.
Every payment runs through a licensed payment institution partner. Your card details never reach our servers; they stay in a PCI-DSS certified vault. Every transaction is written to an immutable ledger.
Frequently asked questions
Answers about credit cards and how your bills get paid.
Pay your bill, collect your reward
Create your account in 2 minutes and start earning points from your very next payment.