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.

  • 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

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.