Finnair Visa Credit Light credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 Finnair Visa Credit Light has no monthly fee, but only 1 Avios is earned for every €2. The effective annual interest rate (APR) is 24.81% in Aktia's €1,500 example.
Effective annual interest rate (APR)
24.81% effective annual interest rate (APR)
On Aktia's Finnair Visa page: "The interest rate of the credit is 3-month Euribor + 13.50%, the account management fee €4.50/invoice and the monthly fee €0. The effective annual interest rate (APR) is 24.81% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,687.92 under the assumptions stated above." Assumptions: credit amount €1,500, 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.
Finnair Visa Credit Light: price
| Monthly price | €0.00/month |
|---|---|
| Annual price | not published |
| Terms affecting the price | €0/month. No parallel card. 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 | 13.50% |
| Interest-free period | 30 days |
| How the interest is set | 3-month Euribor + 13.50%, 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. |
Benefits
| Travel insurance | Travel insurance is not mentioned on Aktia's Finnair Visa page (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 | 1 Avios for every €2 regardless of the Finnair Plus tier, up to the granted credit limit in a billing period. No tier points. |
| Other | Two payment-free months per year. |
Bank and packages
Related guides
- Premium accounts and cards compared
- Bank packages compared
- Bank Norwegian credit card (Visa)
- Morrow Bank Mastercard
- Aktia Platinum Credit/Debit
- Finnair Visa Credit
Sources
- Aktia: Finnair Visaretrieved 16 October 2026
- Aktia: Vakiomuotoiset eurooppalaiset kuluttajaluottotiedot, Finnair Visa Credit Light (PDF)retrieved 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 Light cost?
In October 2026 Finnair Visa Credit Light costs €0.00/month. €0/month. No parallel card. Only one Finnair Visa card at a time. Effective annual interest rate (APR) 24.81% (example: On Aktia's Finnair Visa page: "The interest rate of the credit is 3-month Euribor + 13.50%, the account management fee €4.50/invoice and the monthly fee €0. The effective annual interest rate (APR) is 24.81% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,687.92 under the assumptions stated above." Assumptions: credit amount €1,500, one year, 12 equal instalments).
What is the effective annual interest rate (APR) of Finnair Visa Credit Light?
In October 2026 Finnair Visa Credit Light: Effective annual interest rate (APR) 24.81% (example: On Aktia's Finnair Visa page: "The interest rate of the credit is 3-month Euribor + 13.50%, the account management fee €4.50/invoice and the monthly fee €0. The effective annual interest rate (APR) is 24.81% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,687.92 under the assumptions stated above." Assumptions: credit amount €1,500, 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 Finnair Visa Credit Light include?
In October 2026 Travel insurance: Travel insurance is not mentioned on Aktia's Finnair Visa page (checked 16.10.2026). Lounge: No lounge benefit. Cashback or points: 1 Avios for every €2 regardless of the Finnair Plus tier, up to the granted credit limit in a billing period. No tier points. Currency conversion markup on card payments: 2.90%. Effective annual interest rate (APR) 24.81% (example: On Aktia's Finnair Visa page: "The interest rate of the credit is 3-month Euribor + 13.50%, the account management fee €4.50/invoice and the monthly fee €0. The effective annual interest rate (APR) is 24.81% (calculated 09/2026, 3-month Euribor 2.593%) and the total amount payable is €1,687.92 under the assumptions stated above." Assumptions: credit amount €1,500, one year, 12 equal instalments).