Payment and credit cards

Do you need a new credit card or payment card? Please choose the card that suits you best and fill in the application. You will receive a new card within 1 to 2 weeks of the date of the application.

Credit cards – flexibility and secure payment

OP-Visa is a reliable basic card. It enables you to make purchases in everyday life, while travelling, and online. Credit facility from 2,000 euros up to 20,000 euros. Credit facility according to your need and repayment capacity. Read more and apply

OP-Visa Gold is the card for an easy life. It is a debit and credit card rolled into one. It includes, for example, two free visits a year to an airport lounge, comprehensive travel insurance and insurance cover for event tickets. Credit limit, according to your needs and repayment capacity, from 2,000 up to 20,000 euros. Read more and apply

OP-Visa Platinum is the elite of cards. Its additional services give you comprehensive cover and save time. Credit facility from 2,000 euros up to 20,000 euros. Credit facility according to your need and repayment capacity. Read more and apply

OP-Mastercard is a smart backup card. It is an excellent card for everyday life and travel. Credit facility between 2,000 and 20,000 euros, according to your need and repayment capacity. Read more and apply

Credit card for students. If you are a student at higher education institution or university, you can get an OP-Visa Credit/Debit card with a EUR 2,000 credit limit without ECTS credit requirements. Read more and apply

Payment cards without credit facility  

OP-Visa Debit is a debit card with which you can also pay abroad and online. Read more and apply

OP-Visa Basic is suitable as a first debit card for children and young persons ages 7 and up. You can pay for your purchases in Finland, abroad and online. It is not possible to apply for this card online. How to apply for a card for your child

If you are using an OP credit card and you want to change it into another credit card, fill in an application online.

If your card application is rejected, please contact our customer service at 0100 0500 / Select Cards (Mon–Fri 8–19).

When applying for a new card, your old card’s credit limit may affect the credit limit granted to you. After you have started using your new card and closed the old one, you can increase your new card’s credit limit.

You’ll receive your new card within 1–2 weeks.

When you have received a new card and seen that it works, you can cancel your old card.
 
If you have OP-Visa Electron, you can cancel it yourself by selecting Cancel card (Lopeta kortti) in the cards section.
 
To cancel other cards, log in at op.fi and message us.
 

• Please specify in your message:
• the card you want to cancel
• the last four digits of the card to be cancelled, and
• information that you’ll destroy your card yourself.

To destroy your old card, cut the card into pieces so that the chip and the magnetic stripe are destroyed.

File a complaint (a correction request) promptly if:

• you find that your bank statement or credit card bill has card transactions unknown to you
• the seller has gone bankrupt.

Read the instructions on how to file a card complaint

• you are at least 18 years old 
• you use OP as your main bank  
• you receive a regular pay or pension 
• your financial standing is sufficient and you have managed your personal finances well 
• you live permanently in Finland. 

On OP’s payment cards, the credit card number is on the front of the card.

The debit card number and the CVC number are on the back of the card.

All OP credit cards offer an average of 35 days of interest-free repayment time.

Each month, you'll receive a credit card bill for your credit card payments. You can decide to pay it with a single payment or in instalments. If you pay the bill with a single payment, you’ll avoid having to pay credit charges for it.

With a credit card, you can make large purchases and handle surprise expenses in instalments that suit your finances. 

You can raise your card’s credit limit free of charge on OP-Mobile or at op.fi. Depending on your need and finances, you can apply for a credit limit from between 2,000 to 20,000 euros for your Visa credit card.  The credit limit for OP Mastercard is between 2,000 to 6,000 euros. 

Apply for a credit limit raise at op.fi 

You will receive an itemised bill once a month for purchases you have made with your credit card. After you have received it, you can decide whether you pay off the bill in full or pay in instalments.

If you pay off the bill in full, you will get an interest-free period of an average of 35 days for your purchases.

In case your credit card bill comes to you as an e-invoice, you can decide by the due date whether you make the agreed minimum payment, pay off the credit card balance or in-between.  

You can change the repayment plan for your credit card bill by logging into op.fi or OP-mobile.

When you make a purchase or withdraw cash in a non-euro currency during a journey abroad or with, the sum total of the transaction is determined by the wholesale exchange rate used in currency conversion.

The exchange rate used is either the Visa International or Mastercard Europe scheme’s wholesale exchange rate, to which a currency conversion fee, based on OP’s list of service charges and fees, is always added. The fee accounts for 1.95% of the amount of purchase or withdrawal.

When you pay for a purchase with your card abroad, it always pays to choose a local currency instead of the euro. Then the exchange rate is determined by your own bank and the exchange rate cause any unpleasant surprise. If you choose to convert the currency into euros at the time of payment, the merchant will charge a fee based on its list of service charges and fees. 

Read more

The interest rate for OP-Visa cards (OP-Visa Credit/Debit, OP-Visa Gold and OP-Visa Platinum) is the 3-month Euribor + 8.95 percentage points if the credit has debt with interest. The monthly account service charge is 3.50 euros if the credit has debt with interest.

The effective interest rate calculated for used credit of 2,000 euros is 14,63 % (6/2021) if the customer has a daily service package. This calculation is based on the assumption that the card’s monthly charge is 2,06 euros and the monthly account service charge 3.50 euros, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2 145,70 euros.

The effective interest rate calculated for used credit of 2,000 euros is 15.07% (6/2021) if the customer has no daily service package. This calculation is based on the assumption that the card’s monthly charge is 2.95 euros and the monthly account service charge 3.50 euros, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,156.15 euros.

About consumer credit information (pdf)

Take a closer look at our list of service charges and fees

Read more about daily banking services

Would you like to know more about the use of cards, such as credit card payments abroad or spending/withdrawal limits? Read more about the FAQ section.