Debit cards and credit cards
Select a payment card for your individual situation, whether you need a reliable payment instrument for everyday life, travelling or online payments. OP’s credit card provides you with flexible and secure personal finances with a payment period of up to 35 days. If you wish to see our whole range of cards, compare cards via the menu below. Don't have an account with us? Become an OP customer now!
OP-Visa increases the payment period of your purchases without extra charge
- Interest-free payment period of up to 35 days
- Secure payments also online and abroad
- Transfer of credit to current account
OP-Visa Gold is more than a payment card
- Travel insurance and rental car excess reduction
- Identity theft protection
- Concierge service
When you withdraw cash or pay for purchases with your card, you can choose whether you use money in your account, that is Debit, or credit facility, that is Credit.
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.
At op.fi and on OP-mobile you can transfer the credit facility of your OP-Visa or OP-Mastercard to your account.
Many webshops use Visa Secure (formerly Verified by Visa) or Mastercard SecureCode authentication services. They enable you to make secure online payments. Using them is equivalent to you your signature. The services reliably authenticate not only you but also the webshop, that is, both parties to the online transaction.
When you use a webshop that uses Visa Secure or Mastercard SecureCode services, you can safely make payments online.
- which card you want to close
- the last four digits of the card to be closed and
- information that you will destroy your card yourself.
When you destroy your card yourself, cut up it properly into several pieces so that the chip and the magnetic stripe are destroyed.
We are renewing all customers' OP-Visa cards with credit facility during 2019–2020. Please read what to do when you get a new credit card or bill?
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.