OP Gold

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.  

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. 
• in the event of your death or the death of a family member. 

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.

What is included in the LoungeKey membership?

LoungeKey membership includes two free-of-charge lounge visits per year (1 January–31 December). If you bring a travel companion with you to the lounge free of charge, you have used your free visits (2 in total) for the year. In addition to free visits, you will be able to visit lounges at a reduced price of €30/person (normally €59/person).

You will have access to the lounges regardless of your airline or flight class. Please note that lounge service providers may restrict access during peak seasons.

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, relax in the comfortable and quiet premises, or concentrate on working. 

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 and on the website of the Plaza Premium Lounge service.

How do I activate my LoungeKey membership?

If you haven't yet downloaded the LoungeKey app and registered to the service, we recommend doing so ahead of your trip.

Create a LoungeKey user profile and register your card's credit number in the service either in the LoungeKey mobile app or online at loungekey.com/opgold. When registering, you will need your OP Gold card and OP user ID as well as the mobile key or key code list. The registration is done in English. 

How to register in the LoungeKey mobile app: 

1. Download the LoungeKey mobile app from the app store on your phone. It is available from Apple App Store and Google Play.
2. Open the LoungeKey app and choose “Don’t have an account?”. Next, you'll be directed to the browser to create an account.
3. Enter your OP Gold card's credit number, security code (CVV) and valid until date. You'll be directed to confirm the registration with your OP User ID and either mobile key or key code list. A preauthorisation of 1 euro will be placed on your card, which will not be debited. Make sure that online and in-app payments are enabled for your card.
4. Fill in your personal information and create a username and password.
5. After your registration is completed, you'll receive a confirmation email titled "Welcome to LoungeKey". You can now log in to the LoungeKey app using the username and password you just created.
6. You will find your Digital Membership Card used for accessing the lounge in the LoungeKey app.

How to register online at www.loungekey.com:

1. Go to www.loungekey.com/opgold on your computer's or phone's browser.
2. Select “Create your account”.
3. Enter your OP Gold card's credit number, security code (CVV) and valid until date. You'll be directed to confirm the registration with your OP User ID and either mobile key or key code list. A preauthorisation of 1 euro will be placed on your card, which will not be debited. Make sure that online and in-app payments are enabled for your card.
4. Fill in your personal information and create a username and password.
5. After your registration is completed, you'll receive a confirmation email titled "Welcome to LoungeKey". You can now log in to the LoungeKey app using the username and password you just created.

How do I get access the lounge?

Before your trip, check the LoungeKey app to make sure that your card details are up-to-date. If you have ordered a new card to replace a lost or stolen card, for example, you will need to update your card details in the LoungeKey app. In the app, you can also check which lounges are available at the airports you will use. 

To access the lounge, show your OP Gold card or the QR code in the LoungeKey app to the receptionist. The receptionist will check your boarding pass and the validity of your card. Remember to mention that your card includes LoungeKey membership. If you have no free-of-charge lounge visits left, your card will be debited for the visit. At this point, you may be asked for further confirmation, which you can give using mobile key or your key code list. Make sure that online and in-app payments are enabled for your card.

Things to note when visiting a lounge:

• Make sure that you have registered your LoungeKey membership before arriving at the airport and that your card details are up-to-date in the LoungeKey app.
• Remember to bring your physical OP Gold card with you. The digital version of your card in Apple Wallet or Google Wallet is not a valid replacement.
• To visit a lounge, you will need your boarding pass.
• When you arrive at the lounge, tell the staff that your OP Gold card includes LoungeKey membership. This will ensure that you can use your free visits.

The LoungeKey and Priority Pass service is provided by Visa. LoungeKey™ is trademark of LoungeKey Ltd and Collinson Group Ltd. The OP Lounge service is provided in cooperation with Aspire Executive Lounges/Swissport International.

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.

Read more about Product Protection Insurance

Product Protection Insurance is issued by Pohjola Insurance Ltd.

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.

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.

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.

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, 9–17
  • selection 1: Travel emergency service
  • selection 2: Claims (and advisory service)
• selection 4: Product Protection Insurance, Mon–Fri, 9–16
  • 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.
• You can use contactless payment for all card purchases. Purchases of over 50 euros have to be confirmed by entering your PIN in the card reader, but you do not need to insert your card in the reader. The card payment will be made from the side (debit or credit) on which you enabled contactless payment.
• You can conveniently track your card transactions on OP-mobile and at op.fi.

You can link your card to Apple Pay, Google Pay, Samsung Pay or Garmin 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, Google Pay, Garmin Pay and Samsung Pay, you can always use contactless payment without a PIN, even for purchases over 50 euros.

You can enable Apple Pay, Google Pay, Samsung Pay or Garmin 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, Samsung Pay or Garmin Pay.

Read more about mobile payments

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.

• Credit Card Terms and conditions
• General Terms and Conditions for Payment Cards

The card is issued by OP Retail Customers plc which also acts as the policyholder of insurance products Product Protection Insurance included in the card. Product Protection Insurance is issued by Pohjola Insurance Ltd. Apple Pay is provided by Apple. Google Pay is a trademark of Google LLC. Samsung Pay is provided by Samsung. Garmin and the Garmin logo are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

OP-mobile

Log in to OP-mobile and select Accounts and cards. Select the card for which you want to view benefits. The benefits and additional services are opened with the Card benefits button.

You can also find your benefits in OP-mobile’s Customer info view under Customer info and benefits.

Op.fi service

Log in to the op.fi service and select My cards. Select the card for which you want to view benefits. The benefits and additional services are opened on the Benefits tab.