One of the most powerful tools in helping businesses so as to gain a competitive edge is to produce innovative products. In order to emphasize the importance of innovation, the credit cards market has been selected in this article. The innovative products and services offered to credit card users by the banks have been investigated and discussed in an academic debate in this field. A questionnaire applied to 402 persons as to determine the credit card consumers' use levels and awareness of credit card use in Turkey, and of an innovative product/service applications along with the credit cards.The data conducted from this questionnaire, considering Garanti Bankası, Yapı Kredi Bankası, Akbank, İş Bankası credit card users, were processed in One-way Anova and Logistic Regression analysis. According to the results conducted, Akbank card users compare to other bank card users, in terms of product/service awareness, were noticed to have a higher level of awareness; income, gender, the variables such as duration and amount of card use were found to be statistically significant in terms of logistic regression models.