OP Gold credit card 2026: price, benefits and effective annual interest rate (APR)

In October 2026 OP Gold costs €7.75/month. According to the price list, OP Gold (the card and additional services linked to the card) costs €7.75/month, €4.00/month for ages 18-25. As an everyday banking package (account, digital services and card): owner-customer €8/month, Omistaja Plus customer €3.95/month, other customers €13.25/month, an owner-customer aged 26-29 pays €4/month. Effective annual interest rate (APR) 17.88% (example: On OP's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 17.88%, when the interest rate of the credit is 3-month Euribor + 8.95% (2.06%, 4/26), the card's monthly fee is €2.95, the account management fee is €3.50 per month and a free e-invoice is in use. The calculation does not take into account discounts received by an owner-customer or other discounts. The estimated total cost of the credit is €2,175.11." The calculation assumes a credit period of one year and 12 equal instalments. Note: OP uses the same example for all its Visa cards, and the €2.95 in the example is the card's share of the monthly fee without additional services).

In October 2026 OP Gold: Effective annual interest rate (APR) 17.88% (example: On OP's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 17.88%, when the interest rate of the credit is 3-month Euribor + 8.95% (2.06%, 4/26), the card's monthly fee is €2.95, the account management fee is €3.50 per month and a free e-invoice is in use. The calculation does not take into account discounts received by an owner-customer or other discounts. The estimated total cost of the credit is €2,175.11." The calculation assumes a credit period of one year and 12 equal instalments. Note: OP uses the same example for all its Visa cards, and the €2.95 in the example is the card's share of the monthly fee without additional services). 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).

In October 2026 Travel insurance: Pohjola Vakuutus travel insurance for the cardholder, the spouse and children under 25 travelling with them: traveller insurance (medical cover abroad, cancellation, interruption, delay and waiting cover, disability and death cover), baggage, travel liability and travel legal expenses insurance. Valid when at least 50% of the trip costs have been paid with Gold's credit feature and no more than 45 days have passed since the start of the trip. In addition, Lipputurva (ticket cover) for event tickets up to €1,000 without an excess and rental car insurance covering the excess up to €2,000. Lounge: LoungeKey: 2 free visits per year (one can be given to a travel companion), after that €30/person. At Helsinki-Vantaa the OP Lounge and the Plaza Premium Lounge; not in the Aspire lounges at gates 13 and 27 or in Finnair's lounges. Cashback or points: An owner-customer earns OP bonuses, for example, on the card's interest-bearing credit (from 1.1.2026). Currency conversion markup on card payments: 2.50%. Effective annual interest rate (APR) 17.88% (example: On OP's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 17.88%, when the interest rate of the credit is 3-month Euribor + 8.95% (2.06%, 4/26), the card's monthly fee is €2.95, the account management fee is €3.50 per month and a free e-invoice is in use. The calculation does not take into account discounts received by an owner-customer or other discounts. The estimated total cost of the credit is €2,175.11." The calculation assumes a credit period of one year and 12 equal instalments. Note: OP uses the same example for all its Visa cards, and the €2.95 in the example is the card's share of the monthly fee without additional services).