Finnair Visa Credit credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 the Finnair credit card is the Finnair Visa Credit issued by Aktia, which costs €6/month and earns 1-1.8 Avios per euro depending on the Finnair Plus tier. The effective annual interest rate (APR) is 32.75% in Aktia's €1,500 example, and the product page does not mention travel insurance.
Effective annual interest rate (APR)
32.75% effective annual interest rate (APR)
On Aktia's Finnair Visa page: "The interest rate of the credit is 3-month Euribor + 11.50%, the account management fee €4.50/invoice and the monthly fee €6. The effective annual interest rate (APR) is 32.75% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,743 under the assumptions stated above." Assumptions: credit amount €1,500, one year, 12 equal instalments. In the card's SECCI form (€2,000, Euribor 2.060%) the effective annual interest rate (APR) is 27.52%.
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.
Finnair Visa Credit: price
| Monthly price | €6.00/month |
|---|---|
| Annual price | not published |
| Terms affecting the price | €6/month. The card cannot be used as the payment card in Aktia's customer package. Only one Finnair Visa card at a time. |
| Who can apply | Finnair Plus member, at least 18 years old, regular income, permanent home address in Finland, properly managed finances and no payment defaults. A university student can get the card without regular income with a credit limit of €2,000. Being an Aktia customer is not required. |
Credit terms
| Credit limit up to | €20,000 |
|---|---|
| Interest margin | 11.50% |
| Interest-free period | 30 days |
| How the interest is set | 3-month Euribor + 11.50%, account management fee €4.50/invoice only if the credit is not paid in full on the due date. Interest-free period on average 30 days. Credit limit €2,000-20,000. Minimum instalment €30 or 3%. |
Benefits
| Travel insurance | Travel insurance is not mentioned on Aktia's Finnair Visa page or in the card terms (checked 16.10.2026). |
|---|---|
| Lounge | No lounge benefit. |
| Withdrawals abroad | No withdrawal fee is stated on the product page. |
| Currency conversion markup on card payments | 2.90% |
| Purchase protection | No purchase protection insurance mentioned; credit purchases carry the purchase protection under the Consumer Protection Act. |
|---|---|
| Cashback or points | Avios on purchases by Finnair Plus tier: Basic 1, Silver 1.2, Gold 1.4, Platinum 1.6 and Platinum Lumo 1.8 Avios per € up to the granted credit limit in a billing period. In addition 500 tier points per month when purchases are at least €1,500. No Avios are earned on cash withdrawals, bills or account transfers. |
| Other | Parallel card for someone aged 16 or over, two payment-free months per year, Finnair Visa app. |
Bank and packages
Related guides
- Premium accounts and cards compared
- Bank packages compared
- Nordea Gold
- POP Visa Gold
- Aktia Platinum Credit/Debit
- Finnair Visa Credit Light
Sources
- Aktia: Finnair Visaretrieved 16 October 2026
- Aktia: Vakiomuotoiset eurooppalaiset kuluttajaluottotiedot, Finnair Visa (PDF)retrieved 16 October 2026
- Aktia: Finnair Visa korttiehdot (PDF)retrieved 16 October 2026
- Nordea: Korttivakuutuksetretrieved 16 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 Finnair Visa Credit cost?
In October 2026 Finnair Visa Credit costs €6.00/month. €6/month. The card cannot be used as the payment card in Aktia's customer package. Only one Finnair Visa card at a time. Effective annual interest rate (APR) 32.75% (example: On Aktia's Finnair Visa page: "The interest rate of the credit is 3-month Euribor + 11.50%, the account management fee €4.50/invoice and the monthly fee €6. The effective annual interest rate (APR) is 32.75% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,743 under the assumptions stated above." Assumptions: credit amount €1,500, one year, 12 equal instalments. In the card's SECCI form (€2,000, Euribor 2.060%) the effective annual interest rate (APR) is 27.52%).
What is the effective annual interest rate (APR) of Finnair Visa Credit?
In October 2026 Finnair Visa Credit: Effective annual interest rate (APR) 32.75% (example: On Aktia's Finnair Visa page: "The interest rate of the credit is 3-month Euribor + 11.50%, the account management fee €4.50/invoice and the monthly fee €6. The effective annual interest rate (APR) is 32.75% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,743 under the assumptions stated above." Assumptions: credit amount €1,500, one year, 12 equal instalments. In the card's SECCI form (€2,000, Euribor 2.060%) the effective annual interest rate (APR) is 27.52%). 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 Finnair Visa Credit include?
In October 2026 Travel insurance: Travel insurance is not mentioned on Aktia's Finnair Visa page or in the card terms (checked 16.10.2026). Lounge: No lounge benefit. Cashback or points: Avios on purchases by Finnair Plus tier: Basic 1, Silver 1.2, Gold 1.4, Platinum 1.6 and Platinum Lumo 1.8 Avios per € up to the granted credit limit in a billing period. In addition 500 tier points per month when purchases are at least €1,500. No Avios are earned on cash withdrawals, bills or account transfers. Currency conversion markup on card payments: 2.90%. Effective annual interest rate (APR) 32.75% (example: On Aktia's Finnair Visa page: "The interest rate of the credit is 3-month Euribor + 11.50%, the account management fee €4.50/invoice and the monthly fee €6. The effective annual interest rate (APR) is 32.75% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,743 under the assumptions stated above." Assumptions: credit amount €1,500, one year, 12 equal instalments. In the card's SECCI form (€2,000, Euribor 2.060%) the effective annual interest rate (APR) is 27.52%).