Cards and card use

Are you planning to apply for a new payment card or credit card? See available options and apply easily for a new card. Here you'll also find support and tips for using OP cards.

Benefits and news

Price benefit

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.

Learn more about OP Gold

OP Gold is credit card for students

You can apply for OP Gold if you study at a university or university of applied sciences.

Read more and apply for a card

OP Lounge has opened at Helsinki Airport

As OP's customer, you can use your OP Gold or OP Platinum card to visit the lounge.

Learn more about OP Lounge

Tips for using the card

Two cards are worth having

Pay for daily shopping with one card and use the other for online buys and streaming services. This will give you a clearer picture of how you spend your money.

Mobile payment

You can link your card to Apple Pay or Google Pay. These payment apps let you make online and in-app payments with just your smartphone.

Why pay for purchases by credit card?

A credit card gives greater flexibility in unexpected situations and provides extra payment protection. Credit card company cover for credit purchases helps if problems occur.

Enable OP-mobile notifications

With the help of OP-mobile notifications, you'll immediately know about payments made with your card. You'll notice instantly if your card payment fails or there's an attempt to misuse your card.

Free Product Protection Insurance covers your card purchases

The owner-customer's Product Protection Insurance covers products against breakage or theft. The insurance is valid when you pay with an OP credit card using either the credit or debit feature.

Add K-Plussa to your card

Reduce the number of cards in your wallet by adding Plussa feature to your OP payment card. You can add the Plussa feature to all OP cards free of charge.

The cards are granted by OP Retail Customers Plc.