A first in Turkey: Your expenses turn into investments​

It is a program that offers the opportunity to invest up to TRY 5,000 per month from your spending with your credit or bank card for the first time in Türkiye. Cash refunds earned by customers from their spending can be accumulated as an investment fund or evaluated in a daily term account. Various banking and card privileges are also offered within the scope of the program.

According to asset sharing, as consumers in the Privileged, Privileged Plus and Special segments increase their assets, they both benefit from existing privileges in higher amounts and start to benefit from new and diversified privileges.

You can track the program you joined and its details via the Odea App.

To join Odea Privileges World, you must have a minimum of TRY 500,000 in total assets.

You can switch between programs according to your assets in our bank. If your assets are;

• Between TRY 500,000 - TRY 2,000,000, you can start benefiting from Privileged,
• Between TRY 2,000,000 - TRY 5,000,000, you can start benefiting from Privileged Plus,
• If it is over TRY 5,000,000, you can start benefiting from Private program privileges immediately.

You will start benefiting from new program privileges the day after your assets meet the condition of moving to the next higher program.

If your assets fall below the minimum amount required to meet the current program criteria, you will continue to benefit from program privileges for 30 days. If your assets do not meet the necessary condition at the end of 30 days, you will be transferred to a lower program.

You can earn cash back from your spending with all your Odea bank and credit cards. You can invest your cash back as investment funds or in a daily term Oksijen Account. Additional card holders can also earn cash back.

If you don't make a savings preference, the rewards you earn from your spending will automatically be evaluated with the investment fund option. If you don't open an investment account and don't make a fund preference, your earnings will be transferred to your Oxygen account in the first week of the next month, or to your current account if you don't have one.

For example; if you spent TRY 10,000 this month and won a TRY 300 reward and didn't open an investment fund account, this amount will be transferred directly to your Oxygen or current account in the first week of the next month. If you don't change your savings preference, it will continue in the following months.

• You can change your investment fund or Oxygen/demand deposit account once a month, 12 times a year,
• You can change your sector preference that you will earn from your expenses once a month, twice a year,
• You can change your fund preference (choice between investment funds) that you want to evaluate your cash back in whenever you want and an unlimited number of times. The fund you prefer will be transferred to your account on the last day of the month.

Changes made up to 1 day before the reward loading date will affect the earnings of the current month and your last preference will be taken into account.

The amount of investment you earned in the previous month is determined according to the expenses you made in that month, your earning preference and the program you are in.

The rewards you earn are loaded in the first week of the next month, within 7 business days at the latest, according to the savings preference you selected (investment fund or Oxygen/demand deposit account). During the reward loading, the calculated amount is recalculated taking into account your last preference. Therefore, if you change your preference during the month, there may be differences in the reward amount.

For example, even if you have earned with the Oxygen/demand deposit account rate throughout the month, if you change your preference to investment fund during the month, your earnings for that month will be calculated according to the investment fund rate.

Even if you have earned with the investment fund rate throughout the month, if you change your preference to Oxygen/demand deposit account, your reward amount for that month will be recalculated according to the Oxygen/demand deposit account rate.

In the total asset calculation;

• Non-term and term deposit accounts,
• Investment funds,
• Foreign exchange accounts,
• Special investment accounts are included.

Amounts in the order are not included in the asset. They are reflected in the asset calculation when the transaction is realized.

Your monthly earnings are calculated according to your spending in the relevant month, your savings preference and the program you are in.

Your total earnings are the sum of all the rewards you have earned since the day you joined the program.

If there are refunded expenses, the reward amount earned from the relevant expense is taken back. Therefore, there may be changes in the earnings amount on the reward loading date.