OP-Mastercard luottokortti

OP-Mastercard

We’ve updated OP-Mastercard to OP Duo.

-

The Mastercard you know with a new name, benefits and a fresh look

OP-Mastercard will be renamed as OP Duo as of 1 December 2021. The new benefits of OP Duo will be automatically added to your current OP-Mastercard on 1 December. The name of the card will be changed to OP Duo during December 2021 on the op.fi service, OP-mobile and on your credit card bill.

The card’s design will also change. You will receive the card with the new design when your current card expires and is renewed. The card’s expiry date is given in the form mm/yy on the front of he card.

Read more and apply for OP Duo card

Greater benefits, same monthly price

The OP Duo card will include greater benefits for payment and especially for online purchases as of 1 December. OP Duo will supplement your wallet together with the OP-Visa card. The card’s price remains the same.

New benefit: Best Price Protection

Best Price Protection will ensure that you will not have to postpone purchases in the hope of getting a better deal. If you find a product paid with OP Duo elsewhere at a lower price within 30 days, we’ll refund the price difference to you. The difference   must be at least EUR 50, and if the product has been bought on an online store, the business must also have a brick-and-mortar store in Finland.

New benefit: Identity Theft Protection

We will provide you with personal help for preventing identity theft or fraud and or investigating identity theft. For example, if your personal data is being misused or you have accidentally given your personal data to a suspicious caller, we will help you out.

Product Protection Insurance of owner-customers will be extended to cover a year

Product Protection Insurance will be extended from 180 to 365 days. In other words, you do not need to buy a separate insurance for a new phone, for example. You’ll get your money back if the product you purchased with OP Duo breaks or is stolen within six months from the time of purchase. The deductible is only EUR 75, which is less than with a traditional home insurance.

Credit card company cover for credit purchase

Credit card company cover for credit purchases helps if problems occur: based on the Consumer Protection Act, you can claim a refund from the credit card company if the product or service you buy is defective or lost in transport, or the company goes bankrupt before delivery.

Do I need to do something if I own an OP-Mastercard?

You don’t need to do anything. You can continue using your OP-Mastercard as normal and enjoy the new benefits from 1 December onwards.

How to use the benefits?

If you have an OP-Mastercard, the new benefits of the Op Duo card will be automatically added to your current card. The benefits will be effective as of 1 December.

Will my card change?

Your current OP-Mastercard will not be changed during the renewal. You will receive a newly designed OP Duo card when your current card expires. 

Please note that while the white OP-Mastercard will remain in use until the yearly renewal, the name of the card will change to OP Duo on the op.fi service, OP-mobile and on your credit card bill during December 2021.

I want my own OP Duo card, how can I receive it?

If you do not have an OP-Mastercard (OP Duo as of 1 December), you can apply for a new card online.

If you want an OP Duo card with the new design, you can apply for the card as of 1 December 2021.

The price of the card will remain the same

The price of the card will be EUR 2.00 per month if you already have one of the OP's Visa cards as part of daily banking services for owner-customers. For other OP customers, the price will be EUR 4.00 per month.

Read more about OP Duo

  • The price of the card will be EUR 2.00 per month if you already have one of the OP's Visa cards as part of daily banking services for owner-customers. For other OP customers, the price will be EUR 4.00 per month.
  • For owner-customers, the bank’s service charges are primarily debited from OP bonuses.
  • The interest rate is the 3-month Euribor +8.95 percentage points if the credit includes debt with interest.
  • The monthly account service charge is EUR 3.50 if the credit includes debt with interest.
  • The paper invoice surcharge is EUR 3.00 per invoice, if paper invoices are selected instead of e-invoices.


The effective interest rate calculated for used credit of EUR 2,000 is 14.55% (6/2021) if the customer has a daily service package. This calculation is based on the assumption that the card’s monthly charge is EUR 2.00 and the monthly account service charge is EUR 3.50, a free e-invoice is in use, the credit interest rate, fees and charges remain constant throughout the credit period, and that the credit is repaid in 12 identical monthly instalments. The estimated total amount payable would be EUR 2,144.98.

The effective interest rate calculated for used credit of EUR 2,000 is 16.34% (6/2021) if the customer has no daily service package. This calculation is based on the assumption that the card’s monthly charge is EUR 4.00 and the monthly account service charge is EUR 3.50, a free e-invoice is in use, the credit interest rate, fees and charges remain constant throughout the credit period, and that the credit is repaid in 12 identical monthly instalments. The estimated total amount payable would be EUR 2,168.80.  

The card is granted by OP Card Company Plc.