OP Visa Platinum kuva

OP-Visa Platinum

OP-Visa Platinum - The king of cards

As your global payment instrument, OP-Visa Platinum is actually much more than a charge and credit card. As OP-Visa Platinum customer, you can use numerous services that provides additional protection, save time and trouble and provide the opportunity to enjoy your life.

OP-Visa Platinum - with the best benefits and supplementary services!

As OP-Visa Platinum customer, you have the opportunity to enjoy the following benefits, for example:

  • The comprehensive Eurooppalainen travel insurance provides protection for your holiday trip.
  • Priority Pass gives access to the airport lounges in hundreds of airports.
  • When you make a payment with the card, you are entitled to a 180-day protection for your purchases.
  • The Concierge service enables you to beat the queues when, say, buying theatre tickets.
  • With Hole-in-One insurance, you can celebrate a dream swing with fellow players.
  • The service enables you to get, for example, cash or a replacement card in an emergency.
  • Identity theft protection helps you in case you fall victim to identity theft. It will also help you take preventive action for theft.
  • When you pay for your trip abroad and for the services related to it with OP-Visa Platinum’s credit function, you'll get a 75% compensation for your travel expenses and travel-related services if the trip is cancelled.
  • As owner-customer, you will get bonuses through purchases paid for using the card’s credit side and through the available card-based credit.
  • OP-Visa Platinum customer service is available to you in all matters related to the card and its supplementary services.

Through the Concierge service, you can order, say, lilies of the valley in December. Always remember to make use of the service in Finland too. You do not need be on a trip to enjoy the benefits of the service.

Samuli Pehkonen Product Manager, OP

OP-Visa Platinum card features

  • OP-Visa Platinum have credit and debit payment options.
  • Credit starting from 2,000 euros up to 20,000 euros, credit limit according to your need and repayment capacity.
  • Repayment method: equal monthly repayments, amount selected by customer. Minimum repayment accounts for 2% of credit limit.
  • The due date can be the 7th, 15th, 24th or the last day of the month.
  • Interest on the card’s credit facility is a 3-month Euribor + 7,0%
    • The effective interest rate for the credit facility of 5,000 euros in use is 32.55% (July/2019) in case the monthly payment is 50 euros and the billing charge is 3.50 euros. The estimated total amount payable is 5,805.00 euros. This calculation is based on the assumption that the credit period is 12 months and the credit will be repaid monthly in 12 equal instalments.
  • The credit is extended by OP Card Company Plc.

Using your OP-Visa Platinum

  • OP-Visa Platinum is accepted by over 29 million merchants throughout the world.
  • You can withdraw cash and pay bills using your bank account (Visa Debit) and your Visa account (Visa Credit).
  • Purchases made using the card as a debit card will be debited to your account within a few days, and you will enjoy an interest-free billing period for purchases made using the card as a credit card, after which you can use the card’s credit facility.
  • OP-Visa Platinum is a secure way of making online payments or other distance purchases. The Verified by Visa online payments service is automatically incorporated into the card.
  • You can also incorporate the Pivo mobile wallet into your card, in which case it is easier to monitor card transactions and it is possible to make payments to other users and receive payments from other users based only on a phone number.
  • An OP-Visa Platinum card 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 + 7.95 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 14.15% (8/2019). 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 2,146.75 euros.

OP-Visa Platinum telephone service helps you with any questions relating to your card.

OP-Visa Platinum card’s own telephone service
Mon–Sun 24/7

+358 9 6964 6410

Our service email addresses are:

Identity theft protection

opvisaplatinum@idturva.fi

PriorityPass and Concierge service

opvisaplatinum@lisaetu.fi

SuperEuro 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.

Eurooppalainen’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. Eurooppalainen’s own claims experts answer emergency calls 24/7.

Forget crowded airport concourses – enjoy the peace and privacy of a VIP lounge. Priority Pass card coming with OP-Visa Platinum entitles you and one person accompanied by you to use the VIP lounge in hundreds of airports. You can use a range of services in a VIP lounges and it is a place to relax. In addition to restaurant services, the internet, telephone and fax services, for example, are available to you. You can also see flight information on the display screens in the lounge.

Enjoy the privacy provided by Priority Pass in more than 1,000 VIP lounges in over 130 countries and 500 cities around the world. When you visit a VIP lounge, you are expected to show your Priority Pass.

OP-Visa Platinum service serves you in Priority Pass matters, tel. +358 9 6964 6410. More information can also be found at www.prioritypass.com.

 

A Product Protection Insurance will automatically be included in OP owner-customers’ OP-Visa Platinum card. It is a more comprehensive, free-of-charge policy for owner-customers because it covers not only credit transactions but also debit transactions for 180 days of the date of purchase. Just like Purchase Protection Insurance, Product Protection Insurance covers the repair costs of a broken device or the purchase of a new one. The coverable device must be new and bought for private use. The deductible is 75 euros. Product Protection Insurance is issued by Pohjola Insurance Ltd.

Concierge service is there for you help, for example, in planning your trip, booking a hotel room, arranging flower deliveries or ordering tickets for various events. It also helps you in booking a table. Concierge service can show you, say, the nearest golf course wherever in the world you are. This is how you can enjoy your journey without worries about routine arrangements.

Concierge service is free of charge but tickets, flowers, guidance and other services you have ordered will be debited from your OP-Visa Platinum.

More information about the OP-Visa Platinum service, +358 9 6964 6410. 

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, +358 9 6964 6410.

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. +358 9 6964 6410. More information can also be found on the website of OP-Visa Platinum customers.

If your OP-Visa Platinum is damaged or get lost, you have the opportunity to get emergency cash advance or an emergency card to secure your journey. In such a case, call the OP-Visa Platinum customer service, tel. +358 9 6964 6410. The service is available 24/7.

Becoming a victim of identity theft is unpleasant, time-consuming and can lead to financial losses. OP Visa Platinum now offers you an identity theft protection service. You will get year-round personal service, 24 hours a day. Experienced agents are there for you when you need help. You will get instructions on how to diminish the risk of becoming a victim of fraud and, in case you have become a victim, you will get help in clearing up the situation and limiting the implications.

Identity theft means that an unauthorised person uses your personal details to commit fraud or other criminal acts, without your permission. This can happen to anyone and anytime. It is quite usual that the fraudster raises loans, buys mobile phone subscriptions, orders items or applies for the registration of title to your property. The fraudster will keep everything that is valuable, and you will be left alone with the obligations and demands for payment.

Identity theft protection helps you take preventive action and clear up the situation in case a fraud has occurred, and to restrict the implications if you have become a victim, for example by the following means:

  • By rejecting unfounded demands for payment
  • By cancelling the subscriptions ordered
  • By deleting payment reminders
  • It is advisable to set spending and withdrawal limits for OP-Visa Platinum in the case of the loss of the card or fraud.
  • You can set daily limits for withdrawals, card purchases requiring pre-authorisation hold and online payments and other distance purchases. Set the limits both on the credit and debit side.
  • We recommend that you change these limits whenever you need to.
  • Please note that in addition to your card’s spending/withdrawal limit, your account too may have a spending/withdrawal limit that restricts card payments.
  • You can set the limits easily at op.fi and on OP-mobile. You can also call OP telephone service, tel. 010 253 1333 or visit an OP cooperative bank branch to change the limits.
Pay securely online Visa Secure (formerly Verified by Visa)

Visa Secure (formerly Verified by Visa) is a service that enhances online payment security. When you pay for your purchases on the web through the Visa Secure service, you will go to OP’s online service where you accept your purchase in encrypted internet connection using your personal online service user identifiers. This way both the merchant and buyer have been reliably authenticated. To see whether an online store uses this service, look for the Visa Secure logo.

This is how the service works

  1. First make your purchases and then go to checkout.
  2. Choose Visa as payment method.
  3. Enter your card’s number and expiry date.
  4. Click on Pay. Now you go to op.fi.
  5. A small window opens up in the screen where you accept your purchases using your user ID, password and a changing key code for op.fi.
  6. You will receive confirmation of the payment completed successfully.
  7. You will return to the merchant’s website and you will receive a confirmation of your order.
  8. When you pay for your purchase using the credit side, the amount debited will be shown in your next Visa bill. When you pay with the debit side, the purchase will be debited directly to your bank account.

Owner-customer benefits

As owner-customer, you are entitled to benefits and discounts on banking services and insurance policies. As our owner-customer, you can, for example, choose a long-term fixed interest rate for your new home loan throughout the loan term, up to 25 years. This is how you can ensure that the interest charges for your home loan will remain unchanged throughout the loan term.

OP bonuses

As an owner-customer, you will earn OP bonuses for example from

  • loans
  • savings and investments
  • funds in accounts
  • purchases made using the credit side of OP-Visa Platinum, card-based credit available and
  • insurance premiums for home, family and motor vehicle policies.

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

Become an owner-customer >

The card is granted by OP Card Company Plc.