OP Gold

OP Gold is a debit and credit card that offers payment security and benefits for travel. It was also OP’s most popular credit card in 2025.

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BENEFIT

Owner-customer benefits will be renewed

As of 1 January 2026, we will increase OP bonus earnings, the number of products that earn you bonuses will increase, and you can choose how you use your bonuses. The default option is to use them as before – for banking service charges and insurance premiums. You can also invest your bonuses in funds via OP-mobile or take out your bonuses in cash. You will also get the renewed owner-customer benefits. 

Comprehensive travel insurance for you and your family

The OP Gold travel insurance provides cover for you and your family. The travel insurance is a good insurance policy for your journeys, whether you travel once a year or more often.

Insurance cover for event tickets without a deductible

Event ticket insurance covers theatre, concert or event tickets if you are unable to attend due to falling ill or another serious reason.

Two free visits at airport lounges

With OP Gold, you get access to lounges at over 600 airports in more than 120 countries around the world. At Helsinki-Vantaa Airport you can use your two free visit per year in the Aspire Lounges or the Plaza Premium Lounge.

Product Protection Insurance covers your purchases for 365 days

Product Protection Insurance covers your purchases against breakage or theft. The insurance is included with owner-customers’ OP Gold cards. In other words, you won’t need to buy separate insurance for new items, such as phones. The insurance is valid for 365 days.

OP Gold also includes

Rental car insurance which covers the deductible if an accident happens.
Read more about rental car insurance
Our emergency cash service provides you with an emergency cash advance if your card is lost or stolen during your journey.
Read more about emergency cash advance
In line with the Consumer Protection Act, the cover applies if problems occur with purchases paid for by credit.
Read more about credit card company cover for credit purchases
The card can also be added to Apple Pay, Google Pay™, Samsung Pay or Garmin Pay.

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Travel insurance covers you, your family and your luggage 

Covers cancellation costs, including journeys prevented by quarantine.
Covers the delay, damage or theft of luggage.
Covers treatment expenses due to an accident or illness abroad, including broad cover for different sports and activities.
The insurance will be valid if you use the OP-Visa Gold credit feature to pay for a sufficient portion of the journey.

Event ticket insurance covers event tickets without deductibles

Covers theatre, concert or event tickets if you are unable to attend the event due to falling ill or another serious reason.
The insurance is valid automatically when you buy the tickets with the Gold credit feature.
Event ticket insurance also covers tickets you buy for family members or friends.

Start your trip more comfortably in a lounge

LoungeKey membership offers you two free airport lounge visits per year. You can give one of your free visits to a travel companion.
At Helsinki Airport, you can use your free visits at OP Lounge and Plaza Premium Lounge. Please note that this benefit does not apply to Finnair Lounges.
A new OP Lounge is open at Helsinki airport. You can visit the lounge with your OP Gold card's LoungeKey membership. Children under 2 years old can enter the OP Lounge for free. Pricing is specific to each lounge, so always check the price in advance when visiting other lounges.
OP Lounge is located on the Schengen side, near gate 22 and the Plaza Premium Lounge on the non-Schengen side near Gate 40.
Please note that the OP Gold card's lounge benefit cannot be used at Aspire Lounges at gates 13 and 27. To access them, you will be required to pay the normal entry fee.

Product Protection Insurance provides cover for your purchases and is included with owner-customer cards

As an owner-customer, the insurance is valid automatically when paying with using either the credit or debit function.
You won’t need to buy separate insurance for new items, such as phones.
The deductible is only 75 euros, which is less than with a traditional home insurance.

Rental car insurance covers the deductible if an accident happens

In the event of an accident, the insurance covers expenses up to 2,000 euros in Finland and abroad.
The insurance is also valid if the car is being driven by the cardholder’s spouse or child aged under 25.

Emergency cash advance provides security for your journey

The emergency cash advance is a service included with the Gold card, allowing you to receive an emergency cash advance at a local bank or foreign exchange outlet if your card is damaged, lost or stolen during your journey.
The service is available 24/7 throughout the world.

Credit card company cover for credit purchases helps if problems occur

Under the Consumer Protection Act, you can apply for a refund from your credit card company if a retailer breaches a sales contract for a purchase made with credit.

Gold customer service and using the card

The OP Gold customer service will assist you with any card-related matters 24/7.
You can find all your card’s benefits and additional services in OP-mobile and the op.fi service in your card’s Benefits view.