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

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
Apply for card
OP Visa Gold

OP-Visa Gold is more than a payment card

  • Travel insurance and rental car excess reduction
  • Identity theft protection
  • Concierge service
Apply for card

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 or OP-mobile.


At 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. 

It is often advisable to change the card type, say, from a payment card to a credit card or a credit card with more additional services.
Learn more about OP's cards. When you find a card that best suits your needs, you can fill in a card application by selecting “Apply for card” of the card of your choice. You can also apply for the card by phone.
You will receive your card within 1–2 weeks.
After you have received your new card and found it to be functional, you can ask us to close the old card by sending us a message. Send the message after logging into
Please let us know in the message:
  • 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?  

You can easily order a new PIN code for your payment or credit card by logging into Login, select the card for which you need a new code or make an order for the PIN code. Login to and order a new PIN code.

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