S-Etukortti Visa Credit credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 S-Etukortti Visa Credit is a free credit card for an owner-customer, which earns, in addition to Bonus, a 0.5% payment-method benefit on purchases at S Group. The effective annual interest rate (APR) is 18.389% for a €1,500 example credit, and the card includes no travel insurance.
Effective annual interest rate (APR)
18.389% effective annual interest rate (APR)
On the S-Bank product page: "The effective annual interest rate (APR) of the credit, calculated for an average credit of €1,500, is 18.389%, assuming that the reference rate is 2.484% (7/2026) and the credit invoice is sent electronically only (account management fee €2/invoice). If the credit invoice is delivered by post (account management fee €5/invoice), the effective annual interest rate of the credit is 23.677%."
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.
S-Etukortti Visa Credit: price
| Monthly price | €0.00/month |
|---|---|
| Annual price | €0.00/year |
| Terms affecting the price | Free of monthly and annual fees for an owner-customer of a cooperative society (two S-Etukortti Visa cards free of charge, additional cards €2.50/month). For customers who are not owner-customers, S-Bank Visa Credit costs €30/year and the credit margin is 14.95% (service price list for non-owner-customers, valid from 1.11.2025). |
| Who can apply | At least 18 years old, regular income and a clean credit record. Apply online. |
Credit terms
| Credit limit up to | €10,000 |
|---|---|
| Interest margin | 11.95% |
| Interest-free period | 30 days |
| How the interest is set | 3-month Euribor + 11.95% margin (owner-customers). Account management fee €2 per electronic invoice only if the credit is not paid in full by the due date, or €5 per paper invoice. Minimum repayment €40. Interest-free period on average 30 days. Credit limit €800-10,000. |
Benefits
| Travel insurance | S-Bank's page does not mention travel insurance for the card. |
|---|---|
| Lounge | No lounge benefit. |
| Withdrawals abroad | Withdrawals from the credit account €2.50 + 3% of the amount withdrawn, also abroad. |
| Currency conversion markup on card payments | 2.45% |
| Purchase protection | No separate product insurance; credit purchases carry the purchase protection under the Consumer Protection Act (the seller's liability for breach of contract). |
|---|---|
| Cashback or points | The owner-customer earns Bonus on purchases at S Group and also a 0.5% payment-method benefit on purchases at S Group. |
| Other | Two payment-free months per year. The card also works in Apple Pay and Google Pay. |
Bank and packages
Related guides
Sources
- S-Pankki: S-Etukortti Visa Creditretrieved 16 October 2026
- S-Pankki palveluhinnasto asiakasomistajille, voimassa 1.11.2025 alkaen (PDF)retrieved 16 October 2026
- S-Pankki palveluhinnasto muille kuin asiakasomistajille, voimassa 1.11.2025 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 S-Etukortti Visa Credit cost?
In October 2026 S-Etukortti Visa Credit costs €0.00/month, annual price €0.00/year. Free of monthly and annual fees for an owner-customer of a cooperative society (two S-Etukortti Visa cards free of charge, additional cards €2.50/month). For customers who are not owner-customers, S-Bank Visa Credit costs €30/year and the credit margin is 14.95% (service price list for non-owner-customers, valid from 1.11.2025). Effective annual interest rate (APR) 18.389% (example: On the S-Bank product page: "The effective annual interest rate (APR) of the credit, calculated for an average credit of €1,500, is 18.389%, assuming that the reference rate is 2.484% (7/2026) and the credit invoice is sent electronically only (account management fee €2/invoice). If the credit invoice is delivered by post (account management fee €5/invoice), the effective annual interest rate of the credit is 23.677%.").
What is the effective annual interest rate (APR) of S-Etukortti Visa Credit?
In October 2026 S-Etukortti Visa Credit: Effective annual interest rate (APR) 18.389% (example: On the S-Bank product page: "The effective annual interest rate (APR) of the credit, calculated for an average credit of €1,500, is 18.389%, assuming that the reference rate is 2.484% (7/2026) and the credit invoice is sent electronically only (account management fee €2/invoice). If the credit invoice is delivered by post (account management fee €5/invoice), the effective annual interest rate of the credit is 23.677%."). 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 S-Etukortti Visa Credit include?
In October 2026 Travel insurance: S-Bank's page does not mention travel insurance for the card. Lounge: No lounge benefit. Cashback or points: The owner-customer earns Bonus on purchases at S Group and also a 0.5% payment-method benefit on purchases at S Group. Currency conversion markup on card payments: 2.45%. Effective annual interest rate (APR) 18.389% (example: On the S-Bank product page: "The effective annual interest rate (APR) of the credit, calculated for an average credit of €1,500, is 18.389%, assuming that the reference rate is 2.484% (7/2026) and the credit invoice is sent electronically only (account management fee €2/invoice). If the credit invoice is delivered by post (account management fee €5/invoice), the effective annual interest rate of the credit is 23.677%.").