OP-Visa Platinum

Pohjola Travel Insurance includes both insurance of the person and luggage insurance. In addition to you, those insured are members of your family aged under 18. You do not have to pay for your trip with the card for the insurance policies to be valid.

• Travel insurance is valid for journey of a maximum of 45 days during your leisure time everywhere in the world. In Finland, travel insurance is valid on journeys with a straight-line distance of over 50 kilometres from the home, place of work or study or holiday home of the insured. The insurance cover is not, however, valid at the above locations or on journeys between them.

• Pohjola Insurance's unparalleled network of foreign services is available to you, whose offices pay compensation directly on the spot, help choosing doctors and hospitals and acquiring offence documents and records of an investigation. Pohjola Insurance's own claims experts answer emergency calls 24/7.

• When you are travelling abroad, Pohjola Insurance's 24-h Travel Emergency Service +358 10 253 0011 will help you to find a reliable doctor or hospital, give you personal assistance if you fall ill or have an accident, provide you with a payment commitment for hospital treatment, surgery or other procedure and help you get in touch with a doctor with whom you can discuss, for example, treatment that has been suggested to you.

• When making a claim, please inform the insurance company the travel insurance number 16-634-291-2.

Travel Cancellation Cover

Your OP-Visa Platinum card includes Travel Cancellation Cover issued by Pohjola Insurance Ltd. The Travel Cancellation Cover included in your OP-Visa Platinum
enables you to improve your insurance coverage considerably in case you need to cancel your journey abroad. When you have paid your journey abroad or the related services using your OP-Visa Platinum as a credit card, you can cancel your journey for any reason, say, due to a work-related obstacle. You are entitled to 75% compensation of the amount of costs arising from cancellation if you have to cancel a journey abroad, the related accommodation or various journey-related services, such as a rental car, excursion, concert tickets, diving lessons etc.

Terms and conditions:

Forget crowded airport concourses – enjoy the peace and privacy of a VIP lounge. Priority Pass card that comes with OP-Visa Platinum entitles you and one of your companions to visit the VIP lounge in hundreds of airports for free.

In the VIP lounge, in addition to refreshments and restaurant services you will have at your disposal Wi-Fi, free newspapers and magazines, option to work in comfortable and quiet premises or conference rooms, entertainment and possibility of showering or resting. You will always have access to the lounges regardless of your airline or flight class. 

• Enjoy the privacy afforded by Priority Pass in more than 1,000 VIP lounges in over 130 countries and 500 cities around the world.
• The lounges are listed at www.prioritypass.com.
• When visiting a VIP lounge, you are expected to present your Priority Pass.

OP-Visa Platinum service serves you in Priority Pass matters at 0100 0510 (select 5: Additional Platinum services). 

The card comes with Identity Theft Protection service that helps prevent, detect and limit identity fraud. You will get personal service from experienced specialists who are there for you when you need help. 

In identity theft, someone, maybe even a person closely associated with you, obtains your personal data and exploits it for financial gain, seeking to commit fraud or other criminal acts, such as applying for a loan, without your permission. This can happen to anyone and anytime. Your data can also fall into the wrong hands due to a data leak or a lost or stolen passport or driving licence. It is quite possible that the fraudster raises loans, buys mobile phone subscriptions, orders items or applies for the registration of title to your property. While the fraudster keeps everything of value, you will be left with the obligations and demands for payment. Falling victim to identity theft is unpleasant, time-consuming and may lead to financial losses.

Identity Theft Protection specialists help you take preventive measures and provide you with instructions on how to minimise the risk of falling victim to fraud. If you suspect that you have fallen victim to identity theft, the specialists will help you investigate the extent of identity theft to prevent misuse and financial loss. If you have fallen victim to identity theft or financial fraud, the specialists will help you investigate the situation and limit the consequences by helping you

• dispute unfounded demands for payment
• cancel any ordered subscriptions
• have payment default entries issued by credit information agencies erased

You can use the worldwide Concierge service to order a delivery of flowers to a friend in Finland or abroad, for example. The Concierge can also help you find and deliver birthday gifts to a spouse or godchild, for example, or book a rental holiday home for you for Midsummer or a trip to Lapland in the autumn. With Concierge you can conveniently book tickets to concerts, musicals and sports events and make dinner reservations and guest list reservations at restaurants and night clubs in the Nordic countries. You can also ask tips and advice from our experts who have local partners and extensive networks. 

The Concierge is available from Monday to Friday 09.00 am–22.00 pm and Saturdays 10.00-18.00 by calling OP-Visa Platinum customer service on 0100 0510, selection 5.

The service can be used as often as you want and is free of charge. Any purchases you make will be charged to your card. 

If you are our owner-customer, your OP-Visa card will automatically include the new Product Protection Insurance.

Your purchases are insured regardless of whether you pay for them with the card’s credit or debit facility.

Your card purchases are covered for six months from the time of purchase in Finland, abroad and in online stores.

Product Protection Insurance is only included in the OP-Visa cards held by OP cooperative bank’s owner-customers and in joint cards linked to them.

Sometimes all sorts of things happen, the phone slips from your hand or coffee spills on your laptop. Luckily, Product Protection Insurance covers card purchases made with OP-Visa from blunders for six months. You can enjoy this benefit for owner-customers by actively purchasing with your OP-Visa card.

Product Protection Insurance is a free insurance for owner-customers who have an OP-Visa Credit/Debit combination card, OP-Visa Gold, OP-Visa Platinum, or an OP-Mastercard. Joint holders of any of these cards are also entitled to the benefit, if the principal card-holder is an owner-customer. The insurance cannot be bought separately.

Product Protection Insurance covers your purchases paid with OP-Visa’s credit and debit facilities in Finland, abroad and in online stores. The insurance covers purchases that conform to the terms and conditions for 180 days from the time when the card-holder acquires the item.

Product Protection Insurance may provide cover, for example, if your brand-new spectacles get broken, your new tablet falls to the floor or ground and gets broken or the screen of your mobile phone is damaged. The deductible is EUR 75, and up to EUR 2,000 is compensated for an individual item.

By becoming our owner-customer you are entitled, in addition to the Product Protection Insurance, to, for example, daily banking services at a lower cost and you earn value-for-money OP bonuses which offset banking service charges and insurance premiums. You can also buy, sell and switch many of our funds with no charges.

Product Protection Insurance is issued by OP Insurance Ltd.

Read more about Product Protection Insurance

If a problem occurs in a good or service bought with the card’s credit feature, you can claim a refund from the credit card company. You can do so in cases of non-delivery or disappearance of goods in transit, a fault in the product which the company refuses to rectify, or if the merchant goes bankrupt. 

You will also be protected if your airline or tour operator goes bankrupt. In addition, you can request a refund from the credit card company if an airline or tour operator cancels a journey but does not compensate you for it.

Purchase Protection Insurance is provided in accordance with the Consumer Protection Act. If the merchant is in breach of contract and you paid for a good or service by credit, you can present a claim to the credit card company as well as the merchant. The abovementioned situations are cases of breach of contract.

How to claim from a credit card company

Did you succeed in making a hole in one? The insurance covers the “costs” of champagne that you offer to your co-players after you have made a hole in one in the same course.

More information about the OP-Visa Platinum service, 0100 0510.

The OP-Visa Platinum card comes with two key chains equipped with a personal number. The person who has found the keys is asked to drop them in the nearest post box. The keys will be delivered the keys to you as registered mail.

If the key chains have been damaged, you can get once a year a new one free of charge by calling the OP-Visa Platinum service, tel. 0100 0510. More information can also be found on the website of OP-Visa Platinum customers.

OP-Visa Platinum telephone service helps you with any questions relating to your card. OP-Visa Platinum card’s own telephone service at 0100 0510 serves 24/7. The menu has 5 options:

• Select 1: OP Cards customer service 24/7

• Select 2: Card deactivation service 24/7

• Select 3: Insurance services

  • 1. Travel Insurance, Travel Cancellation Cover and Product Protection Insurance (Pohjola Insurance) Mon-Fri 8-18 (24-h Travel Emergency Service +358 10 253 0011)

  • 2. Rental Car Insurance (AXA) Mon-Fri 9-17

• Select 4: Identity Theft Protection Mon-Fri 9-17 (in English 24/7) or by email: opvisaplatinum@idturva.fi

• Select 5: Priority Pass, Concierge service and Recovery service for a lost key Mon–Fri 9–22, Sat 10-18, or by email: opvisaplatinum@lisaetu.fi

• An OP-Visa Platinum package costs 50.00 euros per month, including the card’s monthly charge of 2.95 euros and the supplementary services linked to the card.
• The interest rate is the 3-month Euribor + 8.95 percentage points if the credit has debt with interest.
• The monthly account service charge is 3.50 euros if the credit has debt with interest.

The effective interest rate calculated for used credit of 2,000 euros is 15.07% (6/2021). This calculation is based on the assumption that the card’s monthly charge is 2.95 euros and the monthly account service charge 3.50 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 2,156.15 euros.

• Credit starting from 2,000 euros up to 20,000 euros, credit limit according to your need and repayment capacity.
• You can choose whether your purchases will be debited using the debit side, or directly to your bank account, or using the credit side in which case you can use the card as charge card or use the card's credit facility.
• An average of 35-day interest-free billing period is available to you.
• You have four options to choose for the bill's due date: 7th, 15th, 23rd or the last day of the month.
• K-Plussa feature is available for the card.
• You can withdraw cash at checkouts in K-food stores and Tokmanni stores.
• Its contactless payment facility enables 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 OP eServices.
• After you have opened Money Box and enabled Auto Save through card, your savings will add up every time you pay with your card’s debit function.

Visa Secure (previously Verified by Visa) is a service that enhances online payment security. Both the merchant and buyer are reliably authenticated on the service. To see whether a webshop uses this service, look for the Visa Secure logo.

Add your card to Apple Pay or Pivo. These payment apps enable you to pay in stores and online with just your smartphone. You don’t need your card or card details at the time of payment.

Paying with Apple Pay or Pivo at a store is contactless, you just take your smartphone near the reader. You can also pay for purchases of over 50 euros.

Read more about mobile payments

Adjust your payment card's spending/withdrawal limits, credit limit and repayment schedule easily at op.fi or on OP-mobile. Remember to use the benefits offered by your card!

OP cooperative bank owner-customers earn OP bonuses from:

• Funds in savings accounts

• Home loans, student loans and secured bank loans

• Mutual funds and unit-linked insurance assets

• Insurance premiums paid, such as home and motor vehicle insurance and continuous travel insurance

 OP bonuses are used for the bank’s service charges and insurance premiums.