OP Gold

Gold card for a carefree life. In addition to a reliable debit and credit card, you’ll get even better insurance cover for daily life and experiences.

Comprehensive travel insurance for you and your family

The OP Gold travel insurance provides cover for you and your family. The travel insurance is a good insurance policy for your journeys, whether you travel once a year or more often.

Insurance cover for event tickets without a deductible

Event ticket insurance covers theatre, concert or event tickets if you are unable to attend due to falling ill or another serious reason.

Two free visits to the airport lounge per year

Forget the busy and crowded airport concourses – enjoy the peace and privacy of a lounge. With OP Gold, you will have access to lounges at over 600 airports in more than 120 countries around the world.

Product Protection Insurance covers your purchases for 365 days

Product Protection Insurance covers your purchases against breakage or theft. The insurance is included with owner-customers’ OP Gold 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.

OP Gold also includes

Travel insurance covers you, your family and your luggage 

  • Covers cancellation costs, including journeys prevented by quarantine.
  • Covers the delay, damage or theft of luggage.
  • Covers treatment expenses due to an accident or illness abroad, including broad cover for different sports and activities.
  • The insurance will be valid if you use the OP-Visa Gold credit feature to pay for a sufficient portion of the journey.

1. The insurance covers the following medical costs of illnesses and accidents: 

  • expenses due to a travel illness or travel accident during a journey abroad. Maximum compensation 20 million euros, based on actual expenses. You will receive sufficient cover whether it is for a fever requiring medication, stomach ailment or surgical procedure due to an accident. 

  • medical treatment expenses in the event of an accident, including during different activities or sports. Sports covered by the insurance include kiteboarding, fishing, road cycling, water skiing, downhill skiing, golf, and diving. For the full list of covered sports and more detailed information, please see the terms and conditions of the insurance. 

  • travel home in Finland or abroad due to an illness or accident during a journey, including by helicopter or airplane if necessary.

2. The insurance covers journey cancellation costs in the following cases: 

  • if the cardholder or a next of kin of the cardholder falls ill before the journey.

  • if the insured persons are placed in quarantine in accordance with the Communicable Diseases Act before the journey begins.

3. The insurance covers costs due to lost luggage in the following cases:

  • if the luggage is is delayed, unintentionally damaged or stolen. 

  • if the hotel safe deposit box is the subject of a theft. 

4.  The insurance covers costs due to missed departures in the following cases: 

  • if you have to wait for your luggage due to a delayed flight or other such reason. 

  • if your flight or connecting flight is delayed or you miss the departure.  

Additionally, the insurance provides cover while abroad: 

  • if money is stolen from you, such as when withdrawing money from an ATM. 

  • for legal and liability loss expenses in relation to damage caused to others.  

The OP Gold travel insurance will be valid if you use the card’s credit feature to pay for a sufficient portion of the journey. 

The travel insurance covers leisure-time journeys lasting up to 45 days, whether in Finland or abroad, for a person living in Finland and under 91 years old. If the journey lasts for longer than 45 days according to the original plan, the travel insurance is not valid. The journey must start in Finland and end in Finland.  

It would be best to pay for the travel bookings with the card’s credit feature so that the card’s travel insurance will be valid and you will also have the credit card company cover for credit purchases for situations such as the bankruptcy of the travel agency.  

1. Travel abroad 

The travel insurance is valid for travel abroad if 50% of the costs of travel (transport and accommodation) have been paid using OP Gold’s credit feature.  

  • For example, if the flights cost 500 euros and the hotel accommodation costs 300 euros, at least 400 euros of these costs must be paid with the Gold credit feature.  

If you live in Finland and you own a holiday home abroad which will be your holiday destination, paying for the flights with the Gold credit feature will be sufficient. 

2. Travel in Finland 

The insurance will be valid for travel in Finland if you use the OP Gold credit feature to pay for: 

  • pre-booked accommodation (at least 2 nights), or  
  • pre-booked transport, such as a flight, bus or train journey, or rental car (the travelled distance must be at least 50 km from the home, summer house or place of work).  

For example, if you live in Helsinki and depart on a journey to a rental cabin in Lapland, the insurance is valid if you pay for the rental car or cabin rent with the Gold credit feature.  

Yes. The insurance covers a spouse or common-law spouse living in the same household as the cardholder, and the cardholder’s children under 25 years old travelling on the same journey, so long as a sufficient portion of the travel costs have been paid with the Gold credit feature.

Call Travel Emergency Service +358 9 4245 6233. Help and advice are available to you around the clock.  

File a claim application with the insurance provider, AXA insurance company.  

This is not a complete description of the product and does not replace the insurance terms and conditions that describe the detailed definitions of coverable events, for example. See the insurance terms and conditions for detailed information about the contents of insurance cover.

Travel Insurance Certificate

The policyholder of the travel insurance linked to the card is OP Retail Customers plc. 

The travel insurance is provided by the insurance company Inter Partner Assistance SA/AXA.  

Event ticket insurance covers event tickets without deductibles

  • Covers theatre, concert or event tickets if you are unable to attend the event due to falling ill or another serious reason.
  • The insurance is valid automatically when you buy the tickets with the Gold credit feature.
  • Event ticket insurance also covers tickets you buy for family members or friends.
Thanks to the Gold Event ticket insurance, you will no longer need to buy separate cancellation insurance for event tickets for cases where you fall ill. The Gold Event ticket insurance has no deductible and the maximum compensation for the tickets is 1,000 euros. That is why it makes sense to pay for your entire group’s tickets with the Gold credit feature.

Sometimes, you suddenly fall ill right before an event you’ve been looking forward to. For example, if you’ve bought tickets to a soccer match and you fall ill and are unable to attend the match, the Event ticket insurance will cover the tickets if you have a doctor’s certificate before the start of the event.

You can apply for compensation under Event ticket insurance if you are unable to use the event tickets for any of the following reasons:  

  • you fall ill or are seriously injured, and have a doctor’s certificate for the illness or injury. 
  • your vehicle is stolen or you are involved in an accident with the vehicle within 48 hours before the event. 
  • your home is broken into or suffers from flood or fire damage which requires you to stay home. 
  • you move more than 100 km away from the event site due to a new workplace. 
  • you die or a next of kin dies. 

Event ticket insurance also covers tickets for events taking place abroad.  

  • Event ticket insurance is valid when you buy the tickets with the OP Gold credit feature. Event ticket insurance covers tickets you have bought with the Gold card up to 365 days before the event. 
  • If attending the event is not possible, Event ticket insurance will compensate you for tickets that have been bought with the Gold card for you and other persons (maximum of 4 adults and 2 children). 
  • Event ticket insurance does not cover cancellation of an event by the organisers.  
  • Event ticket insurance does not cover season passes. 

If you or another person you have bought tickets for with Gold is unable to attend the event due to falling ill or another serious reason, you can file a claim application for the unused ticket. You can file the claim application online.

To file a claim application, you will need a doctor’s certificate confirming that the illness or bodily injury was serious and prevented attendance of the event, or a certificate regarding the theft, breakage or accident. 

Event ticket insurance is provided by Inter Partner Assistance SA/AXA.

Lounges offer a more pleasant start to your trip

  • Lounges allow you to start your journey with a touch of luxury, or to relax before a connecting flight.
  • You will have two free airport lounge visits available to you per year.
  • You can also invite a travelling companion to join you there.

Forget the busy and crowded airport concourses – enjoy the peace and privacy of a lounge. With LoungeKey™, you will have access to lounges at over 600 airports in more than 120 countries around the world.  

Start your vacation with a touch of luxury by taking in the services and catering of the Helsinki-Vantaa Aspire Lounge, or relax before a connecting flight in the Miracle Lounge in Bangkok.  

Your OP Gold card includes LoungeKey membership and two free-of-charge lounge visits per year (1 January–31 December). You can use the free visits yourself, or invite one of your travelling companions to join you in the lounge free of charge on the first visit.  

After using your free visits, you can still make use of your LoungeKey membership. Each visit after the free visits will cost €28 per person. You can take one or several guests into the lounge, and you will be charged via your OP Gold credit feature for any fees payable.

You will have access to the lounges regardless of your airline or flight class.

Lounges always offer refreshments, hot and cold beverages and snacks, as well as breakfast, lunch or dinner, depending on the time of day. Additionally, you can make use of the Wi-Fi, read newspapers or magazines, or work in the comfortable and quiet premises available.  

Many lounges also offer the possibility of showering and resting. More detailed lounge-specific information and services can be found conveniently in the LoungeKey app. 

You must show your OP Gold card to gain access to the lounge, so keep it with you!  

Alternatively, you can use the LoungeKey application as a digital membership card.  

Register and create your account before your first lounge visit  

Before your first lounge visit, activate your membership by creating a user account and registering your card details online or with the LoungeKey app. If you have already registered, your registration will still be in force.  

  • Online registration: go to www.loungekey.com/opgold, select “Create your account”, create an account, and register your card details.  
  • Registration with the LoungeKey app: Download the LoungeKey mobile application from your phone’s app store. Open the LoungeKey application and select “Don’t have an account?”, create an account and register your card details.  
  • You will then be able to easily check the lounges covered by the service in the LoungeKey app, and you can check your previous lounge visits.  

Upon registration, LoungeKey performs an automatic validation of your card. 
 
Sign up for a LoungeKey account at www.loungekey.com/opgold

For additional information and terms and conditions, see: www.loungekey.com/opgold

The LoungeKey service is provided by Visa. 

Product Protection Insurance provides cover for your purchases and is included with owner-customer cards

  • As an owner-customer, you will get a refund if the product you purchased breaks or is stolen within one year from the time of purchase.
  • You won’t need to buy separate insurance for new items, such as phones.
  • The deductible is only 75 euros, which is less than with a traditional home insurance.

Accidents happen to all of us from time to time, from dropping a phone on the floor to spilling coffee on a laptop or breaking your brand-new glasses.  

Product Protection Insurance covers purchases made with Gold against breakage. In other words, you won’t need to buy separate insurance for new items, such as phones.  

The insurance covers credit and debit purchases made with OP Gold, meaning your purchases are always insured if you pay for them with OP Gold. 

The insurance provides cover for the purchases for 365 days or one year from the cardholder receiving the product.  

Product Protection Insurance covers the purchases whether you pay for them online, at a brick-and-mortar location or through a service like Apple Pay.  

Does the insurance have a deductible or maximum compensation amount? 

In the event of loss, the insurance has a deductible of 75 euros. The maximum compensation per item is 2,000 euros. 

If something happens, filing a loss report is simple on OP-mobile or at op.fi.

Rental car insurance covers the deductible if an accident happens

  • In the event of an accident, the insurance covers expenses up to 2,000 euros in Finland and abroad.
  • The insurance is also valid if the car is being driven by the cardholder’s spouse or child aged under 25.

For example, if your car is scraped by another car in the parking lot, someone collides with your rental car or a stone breaks your windshield, rental car insurance provides you with cover up to 2,000 euros for expenses that the car rental company charges you. In other words, you won’t need expensive supplementary insurance policies or deductible reduction fees from car rental policies.  

In addition to the cardholder, the insurance is valid when the car is being driven by the cardholder’s spouse, common-law spouse or child aged under 25, if the cardholder has been designated as the primary driver. 

Rental car insurance covers passenger cars, estate cars, and vans which can transport a maximum of nine people, can be driven on public roads, and have a retail selling price of under 60,000 euros. The insurance is valid for a maximum of 30 days. Rental car insurance does not cover the deductible applied to a replacement car or leased car.

The rental car insurance is valid if you have paid for the car rental with the OP Gold credit feature, in addition to the other travel expenses. For journeys abroad, at least 50% of the total travel expenses must have been paid, and for journeys in Finland, either a pre-booked accommodation (minimum 2 nights) or transport must have been paid.

The Gold cardholder must be designated as the primary driver in the car rental agreement. The cardholder must also be at least 21 years old and under 80 years old, and they must have a valid driving licence.

Call Travel Emergency Service +358 9 4245 6233. Help and advice are available to you around the clock.

File a claim application with the insurance provider, AXA insurance company.

See the insurance terms and conditions for detailed information about the contents of insurance cover.

The policyholder of the travel insurance linked to the card is OP Retail Customers plc.

The travel insurance is provided by the insurance company Inter Partner Assistance SA/AXA.

Emergency cash advance provides security for your journey

  • The emergency cash advance is a service included with the Gold card, allowing you to receive an emergency cash advance at a local bank or foreign exchange outlet if your card is damaged, lost or stolen during your journey.
  • The service is available 24/7 throughout the world.

You can receive an emergency cash advance to secure your journey through Visa Global Customer Assistance anywhere in the world. The service is available 24/7.

In an emergency, cash can be transferred to a bank or foreign exchange outlet close to your accommodation. Emergency cash can be withdrawn based on the credit facility available, and the sum withdrawn will be charged to your credit card.

In these situations, call the OP Gold 24/7 card customer service, tel +358 (0) 100 0510, select 1. We will help you with arranging an emergency cash advance close to your accommodation. Remember to also deactivate any lost or stolen cards to prevent misuse.

Prepare for journeys by having two cards

It’s sensible to always have two cards with you when you travel. This way, if a card is lost or damaged, you already have a backup plan ready. It’s advisable to keep the cards carefully separate from each other, such as in separate wallets, or by keeping one of the cards in the hotel safe deposit box. This makes it much less likely for both of them to be lost or stolen at the same time.

Credit card company cover for credit purchases helps if problems occur 

  • Under the Consumer Protection Act, you can apply for a refund from your credit card company if a retailer breaches a sales contract for a purchase made with credit.

You can seek a refund from the credit card company if

  • the product you purchased is lost in transit
  • the product you purchased is not delivered to you
  • there is a defect with the product that the vendor will not compensate you for, or
  • the vendor has gone bankrupt.

For example, in a situation where a tour operator cancels your journey and does not compensate you for it, or an airline goes bankrupt before the start of your journey, you can seek a refund.

Under the Consumer Protection Act, credit card company cover for credit purchases is valid for any purchases you make with your credit card. You can make the purchase online, at a brick-and-mortar location, or through a service like Apple Pay, in Finland or abroad.

In other words, using the credit feature gives you better cover for your purchases than other payment methods.

Does the cover for credit purchases have a deductible or maximum compensation amount?

The credit card company cover for credit purchases does not have a deductible or maximum compensation amount.

If you encounter a situation where a vendor is in breach of a contract, issue a complaint to the credit card company by following the instructions.

Read the instructions for issuing a complaint

Under the Consumer Protection Act, you can apply for a refund from your credit card company if a retailer breaches a sales contract for a purchase made with credit. The credit card company cover for credit purchases provides you with cover for different breach-of-contract situations with the vendor, such as when a product you purchased is lost in transit.

As an owner-customer of an OP cooperative bank, you have 365-day credit card company cover for debit and credit purchases, which insures your card purchases once you receive the product, providing cover against breakage of the product, for example.

Gold customer service and using the card

  • The OP Gold customer service will assist you with any card-related matters 24/7.
  • You can easily check the OP Gold card benefits from the digital info card wherever you go.

The OP Gold card’s dedicated telephone service at +358 (0) 100 0510 serves you with all card-related matters 24/7, and with other matters during the opening hours of the service.

The telephone service menu has 5 options:

  • selection 1: Card customer service, 24/7
  • selection 2: Card deactivation service, 24/7
  • selection 3: Travel insurance, rental car insurance and event ticket insurance, Mon–Fri, 9.00–17.00 EEST
    • selection 1: Travel emergency service
    • selection 2: Claims (and advisory service)
  • selection 4: Product Protection Insurance, Mon–Fri, 8.00–17.00 EEST
    • selection 1: Claims
    • selection 2: Product Protection Insurance advisory service
  • selection 5: LoungeKey, 24/7

Please report a lost or stolen card or suspected misuse of the card immediately to us by calling the card deactivation service.

The travel insurance’s Travel Emergency Service helps you 24/7 if you encounter problems during your journey +358 9 4245 6233.

  • You can choose whether your purchases will be debited using the debit side, which means directly from your bank account, or using the credit side, in which case you can use the card as a charge card or use the card's credit facility.
  • The interest-free billing period available to you is 35 days on average.
  • You have four options to choose for your due date: the 7th, 15th, 23rd or the last day of the month.
  • You can withdraw cash at the checkouts of K-grocery stores and Tokmanni stores.
  • The card’s contactless payment feature allows you to pay for small purchases of a maximum of 50 euros quickly without keying in your PIN.
  • You can conveniently track your card transactions on OP-mobile, Pivo and at op.fi.

You can apply for OP Gold if

  • you are at least 18 years old
  • you use OP as your main bank
  • you have regular income from pay or a pension
  • your financial standing is sufficient and you have managed your personal finances well
  • you live permanently in Finland.

You can download the info card to your phone at op.fi/gold-info-card or by scanning the QR code.

BASIC FEATURES OF OP GOLD
Debit and credit features, pay from your bank account or make use of the interest-free billing period offered by the credit feature.
Credit limit 2,000–20,000 euros.
Include the K-Plussa feature on your card.

 

OP Gold pricing

Total of card and daily services Price
Owner-customers €8 per month
Other customers €13.25 per month

Daily services include the payment card, additional services included with the card, account and the op.fi online service. Pricing for the Gold card without daily services can be found in our list of charges and fees. For owner-customers, the service charges are primarily debited from OP bonuses.

Read more about the daily services package
 
List of charges and fees

Interest and charges  
Interest if the credit has debt with interest 3-month Euribor + 8.95%
Account service charge if the credit has debt with interest €3.50 per month
PPaper invoice surcharge if paper invoices are selected instead of e-invoices €3 per invoice

If an owner-customer’s daily service package is in use, the effective interest rate calculated for 2,000 euros of credit card balance is 15.07% (6/21). This calculation is based on the assumption that the card’s monthly charge is 2.95 euros and the monthly account service charge is 3.50 euros per month, that the account is using the free-of-charge e-invoices, and that 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 2,156.15 euros.

Terms and conditions for OP-Visa-credit (pdf)

General Terms and Conditions for Payment Cards (pdf)

Consumer credit information (pdf)

 

The card is granted by OP Retail Customers Plc.