K-Plussa Maksuaika

K-Plussa Maksuaika is a flexible charge and credit card and the most rewarding Plussa card all in one.


  • The most rewarding Plussa card

    Pay — and earn the best Plussa benefits — with a single card. By paying for your purchases with the K-Plussa Maksuaika card, you’ll earn Plussa points faster at all K Group stores.

  • Charge and credit card with no annual charge

    You get an average 35-day interest-free billing period without costs for your purchases. The card has no monthly or annual charges, and any bank's customers can apply for it.

  • Product Protection Insurance covers your purchases for 365 days

    Product Protection Insurance covers your purchases against breakage or theft. The insurance is included with K-Plussa Maksuaika 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..

Read more about the card

You’ll find more information on the card and its benefits on the plussamaksuaika.fi website. You can also apply for the card or raise your card’s credit limit on the website.

How much does the card cost?

  • A K-Plussa Maksuaika has no monthly charge. 
  • The interest rate is the 3-month Euribor + 10.95 percentage points if the credit has debt with interest.
  • The monthly account service charge is 5.00 euros if the credit has debt with interest.

The effective interest rate calculated for used credit of 1,500 euros is 18.29% (3/2021). This calculation is based on the assumption that the card’s monthly charge is 0.00 euros and the monthly account service charge 5.00 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 2,046.21 euros.


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The card is granted by OP Retail Customers Plc.