Aktia Platinum Credit/Debit credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 Aktia Platinum costs €15/month, and includes travel insurance, rental car cover and four LoungeKey visits per year. The effective annual interest rate (APR) in Aktia's own example is 46.90%, because the €15 monthly fee has been counted as a cost of the credit.
Effective annual interest rate (APR)
46.90% effective annual interest rate (APR)
On Aktia's product page: "The interest rate of the credit is 3-month Euribor + 9.75%, the account management fee €4.50/invoice and the monthly fee €15. The effective annual interest rate (APR) is 46.90% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,836.12 under the stated assumptions." Assumptions: credit amount €1,500, credit period one year, 12 equal instalments.
The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
The cap on consumer credit interest is 17.50% for the period 1 July 2026-31 December 2026. See the interest rate cap and its sources.
Aktia Platinum Credit/Debit: price
| Monthly price | €15.00/month |
|---|---|
| Annual price | not published |
| Terms affecting the price | Monthly fee €15. Aktia is switching its cards to Mastercard; the site has both a Visa and a Mastercard version at the same prices. |
| Who can apply | At least 18 years old, regular income, properly managed finances, no payment default entries; the card requires being an Aktia customer. |
Credit terms
| Credit limit up to | €20,000 |
|---|---|
| Interest margin | 9.75% |
| How the interest is set | 3-month Euribor + 9.75%, account management fee €4.50/invoice. Credit limit €2,000-20,000. No interest-free period is stated on the product page. |
Benefits
| Travel insurance | Inter Partner Assistance SA/AXA leisure travel insurance for domestic and foreign trips of up to 90 days (domestically at least 50 km). Insured are the cardholder under 91, children under 20 travelling along and a spouse travelling together. Valid without paying with the card. Falck's travel emergency service. Rental car insurance covering the excess up to €2,000. |
|---|---|
| Lounge | LoungeKey (1,200+ lounges): 4 free visits per year, additional visits €30/person. |
| Withdrawals abroad | According to Aktia's price list, foreign-currency withdrawals €2.00 + 3% (debit). The price of withdrawals from the credit account was not checked. |
| Currency conversion markup on card payments | 2.90% |
| Purchase protection | No separate purchase protection insurance is mentioned on the product page. |
|---|---|
| Cashback or points | No cashback. |
| Other | Emergency cash abroad. |
Bank and packages
Related guides
- Premium accounts and cards compared
- Bank packages compared
- Säästöpankki Visa Gold Credit/Debit
- Nordea Platinum
- Finnair Visa Credit
- Finnair Visa Credit Light
Sources
- Aktia Platinum Credit/Debit MCretrieved 16 October 2026
- Aktia Platinum Credit/Debit (Visa)retrieved 16 October 2026
- Aktia hinnasto: tilit, kortit ja maksaminen (PDF)retrieved 15 October 2026
Data checked 16 October 2026. Check current terms and prices with the provider.
Pankkitutka has no advertising links for credit products: the links always go to the provider's own site.
Frequently asked questions
How much does Aktia Platinum Credit/Debit cost?
In October 2026 Aktia Platinum Credit/Debit costs €15.00/month. Monthly fee €15. Aktia is switching its cards to Mastercard; the site has both a Visa and a Mastercard version at the same prices. Effective annual interest rate (APR) 46.90% (example: On Aktia's product page: "The interest rate of the credit is 3-month Euribor + 9.75%, the account management fee €4.50/invoice and the monthly fee €15. The effective annual interest rate (APR) is 46.90% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,836.12 under the stated assumptions." Assumptions: credit amount €1,500, credit period one year, 12 equal instalments).
What is the effective annual interest rate (APR) of Aktia Platinum Credit/Debit?
In October 2026 Aktia Platinum Credit/Debit: Effective annual interest rate (APR) 46.90% (example: On Aktia's product page: "The interest rate of the credit is 3-month Euribor + 9.75%, the account management fee €4.50/invoice and the monthly fee €15. The effective annual interest rate (APR) is 46.90% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,836.12 under the stated assumptions." Assumptions: credit amount €1,500, credit period one year, 12 equal instalments). The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
What benefits does Aktia Platinum Credit/Debit include?
In October 2026 Travel insurance: Inter Partner Assistance SA/AXA leisure travel insurance for domestic and foreign trips of up to 90 days (domestically at least 50 km). Insured are the cardholder under 91, children under 20 travelling along and a spouse travelling together. Valid without paying with the card. Falck's travel emergency service. Rental car insurance covering the excess up to €2,000. Lounge: LoungeKey (1,200+ lounges): 4 free visits per year, additional visits €30/person. Cashback or points: No cashback. Currency conversion markup on card payments: 2.90%. Effective annual interest rate (APR) 46.90% (example: On Aktia's product page: "The interest rate of the credit is 3-month Euribor + 9.75%, the account management fee €4.50/invoice and the monthly fee €15. The effective annual interest rate (APR) is 46.90% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,836.12 under the stated assumptions." Assumptions: credit amount €1,500, credit period one year, 12 equal instalments).