MARS is a next-generation financial technology platform that enables individuals to consolidate their card limits for spending, powered by AI-driven infrastructure. It offers personalized campaigns, embedded finance services, and access to premium financial tools. Notably, MARS provides Turkey’s first Silver Logo Titanium Metal Card in collaboration with Mastercard.

The platform has integrations with banks and consumer finance institutions to offer services in payments, loyalty, B2B and B2C lending. Both individual and corporate clients can link their credit, debit, and prepaid cards to the MARS mobile banking app, and choose which one to pay with using their MARS Mastercard. Users can also withdraw cash for free at all ATMs in Turkey and make transfers to other banks.

Through its cashback feature, MARS returns a portion of users’ purchases from partner brands as Turkish Lira or Mars Miles directly into their MARS accounts.

MARS offers four main card types: Starter, Prime, Platinum, and Titanium Metal, each tailored with unique benefits. In addition, it launches custom community cards for special customer groups. Unlike traditional loyalty programs, Mars Colony delivers hyper-personalized campaign experiences.

One standout offering is its high-end Mastercard, crafted from 18 grams of pure metal—comparable to American Express luxury cards. Users unable to qualify for high-limit cards from a single bank can combine their available credit limits via MARS, enabling them to make large-ticket purchases with ease. This feature is particularly popular among underbanked yet aspirational users.

Cardholders enjoy 4 free parking uses per month, free subscriptions to 4 digital platforms (Netflix, Exxen, Spotify, YouTube Premium, Amazon Prime, Hepsiburada Premium, BluTV, etc.), free Fast Track & Lounge access, and up to 20% discounts at fine dining restaurants.

With MARS Credit, the company currently offers supplier financing solutions through strategic partnerships with Fibabanka and Türkiye İş Bankası, delivering competitive interest rate products.

Following the upcoming investment round, MARS plans to expand into embedded financial services including: credit marketplace, BNPL (Buy Now, Pay Later), credit scoring, and embedded investment tools. To this end, MARS has already signed preliminary cooperation agreements with investment, fund, equity, and precious metals providers.

In Q1 2025, MARS will launch Luneo, its own marketplace featuring 6 million products, enabling cardholders to shop without entering card or address details.

Furthermore, MARS is preparing to enter the European Economic Area (EEA) in the second half of 2025.

The global neobank market, valued at $18 billion in 2018, reached $104.28 billion in 2023 with a CAGR of 50%. It is expected to exceed $2 trillion by 2030, growing at 52.71% annually. With accelerating open banking regulations, a tech-savvy young demographic, and rising demand for flexible financial access, MARS is well-positioned within a highly promising and rapidly expanding market.