OP Platinum

​Travel insurance and Cancellation Cover from 1 May 2023

• As of 1 May 2023, travel insurance covers the entire family (cardholder along with common-law spouse or spouse and children and grandchildren under the age of 25, when travelling together) in Finland and abroad.  
• Luggage insurance covers up to 5,000 euros rfor each insured person and up to 10,000 euros for all insured persons in total for luggage losses. 
• Cancellation Cover reimburses up to 10,000 euros per insured person if the trip has to be cancelled due to a serious obstacle. 
• The insurance covers accidents in high-risk sports. 

Rental car insurance as of 1 May 2023 

• Rental car insurance covers the rental car’s deductible to up to 5,000 euros in the event of loss or damage.  
• 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 windscreen rental car insurance reimburses up to 5,000 euros for expenses which the car rental company charges you. 
• 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, be driven on public roads, and have a retail selling price of under 100,000 euros. The insurance is valid for a maximum of 30 days. Rental car insurance does not cover the deductible of a replacement car or leased car.

• 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.

Which purchases are covered by Product Protection 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 Platinum against breakage. In other words, you won’t need to buy separate insurance for new items, such as phones.  

When is the insurance valid?

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

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. 

What to do if something happens?

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

Product Protection Insurance terms and conditions and additional information

Product Protection Insurance is issued by Pohjola Insurance Ltd.

Priority Pass membership

• Priority Pass card, which comes with OP Platinum, entitles you and three of your travel companions to visit the lounge in hundreds of airports for free. 
• The Priority Pass membership grants you access to over 1,300 lounges worldwide. 
• You can find a list of the VIP lounges at Priority Pass website and in the Priority Pass application. Unfortunately, you cannot yet use the application’s digital membership card or log in to the application.
• You can enter the lounge by showing your Priority Pass card and a valid personal ID document, so keep the Priority Pass on you at all times.

Plaza Premium Lounge

• As a new benefit, you also get access to Plaza Premium Lounges in the Helsinki Airport Arrivals Hall and non-Schengen area. 
• You can access the lounge with your OP Platinum card and boarding pass. You can bring up to three guests with you at no extra charge.

You do not need to sign up in advance of your visit, but you can make a reservation for peak hours by email at:

• Arrival hall: hel.t2a@plaza-network.com
• Non-Schengen territory: helt2d@plaza-network.com

• In addition to protection against viruses, Internet Security protects you against ransomware, spyware, infected email attachments and other malware. Top-rated for protection and performance, the app ensures that your devices stay clean and fast – whether you are using a PC, Mac, Android or iOS device. 
• Banking protection secures your connection and checks every web­site that you enter, so you can enjoy safe online shopping and banking. It automatically blocks unsafe apps and web­sites to prevent anyone hijacking your online banking sessions.
• Browse the Internet without fear of opening malicious websites. The service blocks access to websites that are known to spread malware or attempt to steal your data. Colour-coded search results help you avoid suspicious websites. 

• ID Protection protects your passwords and identity online.
• Start tracking your personal data by entering your email address. You can also add your personal identity code, credit card number, phone number and many other personal data to be tracked.  
• Tracking begins when you add the first email address in the mobile app. With the combination of dark web monitoring and work by security analysts, you are the first to know if your personal data has been leaked online.  
• You are immediately notified and receive expert assistance if your personal data is involved in a data breach. You can respond to threats quickly and prevent the data breach from resulting in identity theft.  
• Take control of your passwords and store them securely. Create strong passwords and enter them automatically in your favourite services. Make payments online with enhanced security. 

• Identity theft support helps you minimise damage and provides advice on how to prevent different types of online crime.  

• you are notified about a data breach
• you encounter malware or other cybercrime
• you want to decrease your digital footprint
• someone has taken out a loan in your name
• you have shared your personal details with a suspicious caller or website, or you lost your passport, wallet, driving licence or another important document

• If you have OP's user ID: you will receive the F-Secure subscription code in a separate message at op.fi service and OP-mobile by the end of April 2023.   
• If you do not have OP’s user ID: to use the service, you need OP's user IDs so we can send you the subscription code for registration. To receive an OP user ID, contact your nearest OP cooperative bank. 

What should I do after I get the subscription code?

• After you receive the code in a message on the op.fi service and OP-mobile, go to F-Secure website.

• If you already have an F-Secure product, log in to the My F-Secure service. Select the Subscription tab and enter the subscription code you received from OP in the section Manage your subscriptions. This ends your old subscription and upgrades it to Data and Identity Theft Protection. You can then install the app on your devices.
• Please note that the product available through OP Platinum includes F-Secure’s Internet Security and ID Protection. The product does not include VPN products and may thus be less comprehensive than the product you are currently using.

Event ticket insurance reimburses the costs of theatre, concert or event tickets to up to 3,000 euros if you are unable to attend due to illness or another serious reason. For example, if you’ve bought tickets to a football match or a concert, and you fall ill and are unable to attend the event, Event ticket insurance will cover the tickets if you have a doctor’s certificate before the event starts.

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.
• In the event of your death or the death of a family member.
• Event ticket insurance also covers tickets for events taking place abroad. 

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

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

The OP 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.

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. Breach of contract occurs if a product or service you bought with credit is defective or lost in transport, or the company goes bankrupt and you never receive the product.

You can also apply for a refund if your airline or tour operator goes bankrupt or cancels your journey without paying you back.

Start by trying to handle the matter with the company that sold the product or service — this will help you to demonstrate breach of contract. File a complaint with the credit card company as soon as it becomes clear that the seller is in breach of contract.

How to claim from a credit card company

OP Platinum card customer service 0100 0510 (open 24/7)

• Select 1: OP Platinum card customer service, open 24/7
• Select 2: Card deactivation service, open 24/7
• Select 3: Insurance services
  • Select 1: Travel insurance and Product protection insurance, open Mon–Fri 8–17
  • Select 2: Rental car insurance and Event ticket insurance, is open Mon–Fri 9–17 
• Select 4: F-Secure´s data and identity theft protection
  • Select 1: Activating the service, open Mon–Fri 8–17
  • Select 2: F-Secure support, open Mon–Fri 8–18
  • Select 3: Identity theft help, open Mon–Fri 8–18
• Select 5: Lounge services
  • Select 1: Priority Pass, open Mon–Fri 9–22, Sat 10–18
  • Select 2: Plaza Premium Lounge, open Mon–Fri 8–17
• Select 6: Concierge service and Recovery service for a lost key, open Mon–Fri 9–22, Sat 10–18

Get a handy info card for your phone where you can find all OP Platinum benefits and the related contact information. The info card is saved to Apple Wallet in IOS phones and YourWallet in Android phones, which can be downloaded from the app store. Save the info card to your phone at op.fi/platinum-info-card or by scanning a QR code.​

• An OP 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, and the selected billing method (incl. paper bill charge).
• 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 19,38% (07/2023). The calculation does not take into account the owner-customer's or other discounts. 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, free of charge e-invoicing is in use, 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 2,190.26 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.

You can link your card to Apple Pay or Google Pay. These payment apps let you make payments in stores, online and in apps with just your smartphone. You don’t need your card or card details at the time of payment. 

With Apple Pay or Google Pay, you can also make contactless payments over 50 euros. 

You can enable Apple Pay or Google Pay if you have personal customer’s OP's credentials. Note that you need to be at least 13 years old to use Apple Pay and at least 16 years old to use Google Pay.

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.