Cards

Find a suitable card for you

Learn more about OP Visa cards and Mastercard cards. Find a combination card, debit card or credit card most suitable to you.

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Use your owner-customer benefits

As an OP cooperative bank owner-customer, you get daily banking services without monthly charges until the end of 2025. The benefit also applies to the OP Gold card. The normal price of the card is €8/month for owner-customers and €13.25/month for other customers.

Combination cards – debit and credit card in one

Credit / Debit

OP Classic

OP Classic is a card for smooth everyday life. Make payments securely and flexibly using the debit and credit features.

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Credit / Debit

OP Gold

OP Gold is more than a debit and credit card. It offers extra security for your daily life and benefits for travelling.

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Credit / Debit

OP Platinum

OP Platinum is a unique debit and credit card. You get a selection of benefits, worry-free travel and peace of mind in your life’s moments.

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Debit cards – smooth payments for everybody

Debit

OP Debit

OP Debit is a reliable debit card that you can use to pay for your purchases directly from your account. It is suited to a Joint Bank Account, for example.

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Debit

OP Basic

OP Basic is a debit card for children over 7 years old. It is a suitable first card for a child or young person.

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Credit cards – flexibility for your finances

Credit

OP Duo

OP Duo is an OP Mastercard and an excellent card for online purchases and travelling.

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Credit

K-Plussa Maksuaika

Charge and credit card and K-Plussa Maksuaika in one.

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Check out our card recommendation for you

The Card guide will help you find a suitable card. Simply answer a few questions and the Card guide will recommend a card that suits your needs.

Example calculations of OP’s credit cards

Example calculation for credit of OP Visa cards: 

The effective interest rate calculated for used credit of 2,000 euros is 19,04% (10/2024). 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, free of charge e-invoicing is in use, 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 2,186.80 euros.  

Example calculation for credit of OP Duo credit card:

The effective interest rate calculated for used credit of 2,000 euros is 20,40% (10/2024). 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 4 euros and the monthly account service charge 3.50 euros, free of charge e-invoicing is in use, 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 2,199.40 euros. 

Example calculation for credit of K-Plussa Maksuaika credit card:

The effective interest rate calculated for used credit of 1,500 euros is 21.00% (10/2024). 
This calculation is based on the assumption that the card’s monthly charge is 0.00 euros and the monthly account service charge 5.00 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 1 652,99 euros.

The cards are granted by OP Retail Customers Plc.