Apply for or order a new card

Apply for or order a new payment card or credit card. Include the K-Plussa feature on your card or change your card’s design.

 

Apply for a new credit card OP-Visa, OP-Visa Gold, OP-Mastercard, OP-Visa Platinum

A credit card provides you with flexible and secure personal finances. Select the one you prefer.

  • OP-Visa is a reliable basic card. It enables you to make purchases in everyday life, while travelling, and online.  
  • OP-Visa Gold is more than a credit card. It includes, for example, a travel insurance and a concierge service. 
  • OP-Mastercard is a smart backup card. It is an excellent backup card for everyday life and travel. 

See the options and apply for a new credit card >
 
You can apply for a credit card if you

  • are at least 20 years old
  • use OP cooperative bank as your main bank
  • have regular income in terms of pay or pension
  • have sufficient financial standing and have managed your personal finances well
  • reside permanently in Finland.

In the application, we also ask you to fill in information about the following:

  • your employment
  • your pay and unearned income
  • your monthly loan repayments.

We will check all applicants' credit history.

Apply for a new payment card without a credit feature OP-Visa Electron, OP-Visa Debit, OP-Visa Debit Mobile

If you do not need time to pay for your purchases or a credit feature, you can apply for a payment card. 

OP-Visa Debit is a debit card with which you can also pay abroad and online. 
OP-Visa Electron is a suitable payment card for young people and for children over the age of 10. You can pay for your purchases in Finland, abroad and online. 

See the options and apply for a new payment card >
 
When applying for an OP-Visa Debit or OP-Visa Electron card:

  • check your contact information shown and
  • enter your phone number.

When filling in the card application, you will need to:

  • select a design for your card from our options
  • decide whether you want to add the K-Plussa feature on your card
  • set spending/withdrawal limits for your card. These limits will protect the money in your account in case your card is lost or stolen.

When processing your application, we will check your credit history.

It is not possible to apply for a payment card for a minor online 

A card for a minor is always ordered either at a bank branch or through our telephone service, with the consent from both parents/guardians. It is not possible to apply for it online. When applying for an OP-Visa Electron card for a minor, we will check the credit history of both parents or guardians. 

Read more about applying for a card for your child (in Finnish) >

Order a new card to replace your damaged one

If your credit card or payment card has been damaged, you can yourself order a new card. Log in and select Omat kortit (My cards).

At the same time, you can select whether you want the card to be delivered to your home or to a bank branch. 
 
When your card expires, you will receive a new one automatically

The expiry date is indicated on the front of your card below the card number, in the format mm/yy.

Your old card will be automatically replaced with a new one. You will not have to order a new card yourself.

If you want to select a new design for your new card, you can do that yourself. Log in and select Omat kortit (My cards).  Select the new design approximately three months before the card's expiry. 


 

You can change the design on your OP-Visa, OP-Visa Electron or OP-Visa Debit card whenever you want. If you want us to deliver a card with a new design right away, we will charge a fee based on our list of service charges and fees.

If you want the design to be changed when your card expires, the change is free of charge. You can find the last month and year of validity on the front of your card, in the format mm/yy. Changing the design is free of charge also when you include the K-Plussa feature on your card.

Remember to order the new design at least three months before your card's expiry.

You can order a new design for your card by logging into op.fi and going to Omat kortit (My cards).

 

Reduce the number of cards in your wallet by adding K-Group's Plussa feature on your card. With the K-Plussa feature linked to your card, you will ensure all the K-Plussa network benefits and accrue K-Plussa points in cash in your bank account, if you wish.

You can include the K-Plussa feature for free on OP-Visa, OP-Visa Electron and OP-Visa Debit.

You can also change the design on your card for free when you include the K-Plussa function on your card.

Include the K-Plussa feature on your card by logging in and selecting Omat kortit (My cards).

All our customers with an OP-Visa card with credit facility will receive a new card during 2019–2020. You will receive a new card even if your existing card has not passed its expiry date yet.

Read more about the changes and about the card renewal >