K-Plussa Maksuaika

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


  • The most rewarding Plussa card on the market

    Pay — and earn the best Plussa benefits — with a single card. By paying for your purchases with the K-Plussa Maksuaika card, you will earn double Plussa points at all K Group stores until the end of 2021.

  • 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.

  • Cover for your purchases around the world

    You are automatically entitled to Purchase Protection Insurance of 90 or 180 days for purchases paid with the card. The insurance covers purchases made in Finland and aboard, in stores and online.

Read more about the card

For further details about the card, applying for the card, raising the credit limit, and contact information for customer service, go to: plussamaksuaika.fi.

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.


We use automated decision-making in loan decisions. Read more on the processing of personal data

The card is granted by OP Retail Customers Plc.