OP Platinum credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 OP Platinum costs €50/month, and includes Priority Pass for you and three companions and travel insurance that is valid without paying with the card. The effective annual interest rate (APR) of the credit is 17.88% in OP's shared example.
Effective annual interest rate (APR)
17.88% effective annual interest rate (APR)
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: the OP Platinum page has the same example as the other OP 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).
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.
OP Platinum: price
| Monthly price | €50.00/month |
|---|---|
| Annual price | not published |
| Terms affecting the price | The OP Platinum package €50.00/month includes the card (€2.95/month), the additional services linked to the card and the chosen invoicing method (including a paper invoice). An owner-customer price is not published separately. Note: €50/month is the price of the card package alone; with everyday banking services the same package costs an owner-customer €53/month and others €55.50/month (see Bank packages, OP Platinum). |
| Who can apply | At least 23 years old, a cooperative bank as the main bank, regular and sufficient salary or pension income or investment or deposit assets, properly managed finances, sufficient ability to pay and a permanent place of residence in Finland. |
Credit terms
| Credit limit up to | €20,000 |
|---|---|
| Interest margin | 8.95% |
| Interest-free period | 35 days |
| How the interest is set | 3-month Euribor + 8.95% when the credit has interest-bearing debt. Account management fee €3.50/month on interest-bearing debt. Interest-free period on average 35 days. Credit limit €2,000-20,000. |
Benefits
| Travel insurance | Pohjola Vakuutus travel insurance for the cardholder, the cohabiting or married spouse and children and grandchildren under 25 on domestic and foreign trips; valid without the trip being paid for with the card, when no more than 45 days have passed since the start of the trip. Includes traveller, baggage, travel liability and travel legal expenses insurance. In addition, rental car insurance up to €5,000 and Lipputurva (ticket cover) up to €3,000. |
|---|---|
| Lounge | Priority Pass: free access for the cardholder and three travel companions to Priority Pass lounges (OP's page mentions both over 1,400 and over 1,700 lounges). At Helsinki-Vantaa two Aspire lounges, the Plaza Premium Lounge and the OP Lounge. |
| Withdrawals abroad | Withdrawal in a currency other than euro €2.00 + 2.75%; withdrawal from card credit €2.00 + 2.75%. |
| Currency conversion markup on card payments | 2.50% |
| Purchase protection | Tuoteturva (product cover) for 365 days, up to €2,000 per item, excess €75. |
|---|---|
| Cashback or points | Changing Platinum benefits about every two months; for an owner-customer, OP bonuses on interest-bearing credit. |
| Other | F-Secure's data and identity protection (F-Secure Total and VPN), dedicated customer service available 24 h a day. |
Bank and packages
Related guides
- Premium accounts and cards compared
- Bank packages compared
- American Express Gold Card
- American Express Platinum Card
- OP Gold
Sources
- OP Platinumretrieved 16 October 2026
- OP palveluhinnasto henkilöasiakkaat, voimassa 1.4.2025 alkaen (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 OP Platinum cost?
In October 2026 OP Platinum costs €50.00/month. The OP Platinum package €50.00/month includes the card (€2.95/month), the additional services linked to the card and the chosen invoicing method (including a paper invoice). An owner-customer price is not published separately. Note: €50/month is the price of the card package alone; with everyday banking services the same package costs an owner-customer €53/month and others €55.50/month (see Bank packages, OP Platinum). 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: the OP Platinum page has the same example as the other OP Visa cards, and the €2.95 in the example is the card's share of the monthly fee without additional services).
What is the effective annual interest rate (APR) of OP Platinum?
In October 2026 OP Platinum: 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: the OP Platinum page has the same example as the other OP 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).
What benefits does OP Platinum include?
In October 2026 Travel insurance: Pohjola Vakuutus travel insurance for the cardholder, the cohabiting or married spouse and children and grandchildren under 25 on domestic and foreign trips; valid without the trip being paid for with the card, when no more than 45 days have passed since the start of the trip. Includes traveller, baggage, travel liability and travel legal expenses insurance. In addition, rental car insurance up to €5,000 and Lipputurva (ticket cover) up to €3,000. Lounge: Priority Pass: free access for the cardholder and three travel companions to Priority Pass lounges (OP's page mentions both over 1,400 and over 1,700 lounges). At Helsinki-Vantaa two Aspire lounges, the Plaza Premium Lounge and the OP Lounge. Cashback or points: Changing Platinum benefits about every two months; for an owner-customer, OP bonuses on interest-bearing credit. 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: the OP Platinum page has the same example as the other OP Visa cards, and the €2.95 in the example is the card's share of the monthly fee without additional services).