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Finnair Plus Mastercard

We stopped issuing new Finnair Plus Mastercards as of 1 January 2023. If you have a Finnair Plus Mastercard, you can continue using it as usual. Please note that as of 1 November 2023 Finnair Plus points will no longer be earned for purchases made with the card. Read more on this page.

The card cooperation between Nordea and Finnair will end in October 2023

We stopped issuing new Finnair Plus Mastercards as of 1 January 2023, and Finnair Plus points will no longer be earned for purchases paid with the card’s credit facility after 31 October 2023. 

However, you can continue to use the card as a charge card and credit card. The credit limit will remain unchanged and the insurance benefits provided by your card will remain valid. 

Due to these changes, you won’t be charged an annual fee for your card for the time being. You will pay no annual fee for your Finnair Plus Mastercard as of September 2023 for upcoming annual periods (normal annual fee is 60 euros).

We will apply the following amendments to the Terms of the Finnair Plus Mastercard credit account as of 1 November 2023:

  • We will remove the text concerning the accumulation of points in clause 1 Definitions.
  • We will remove the first paragraph concerning the accumulation of points in clause 10 Accumulation of Finnair Plus points.

You can find the updated Terms here (pdf, 221 KB)

FAQ about the discontinuation of the Finnair Mastercard Plus bonus point programme at Nordea

Finnair Plus Mastercard in brief

  • The credit amount is 2,000–10,000 euros. 
  • The interest rate is the 3-month Euribor + 11.5%.
  • An annual fee of 60 euros is charged for the principal card. No annual fee will be charged for annual periods beginning in or after September 2023.
  • Get an interest-free repayment period of 30 days on average for all purchases made on your credit card.
  • You are entitled to two instalment-free months in a calendar year.

The annual percentage rate

Finnair Plus MasterCard – points and security

You earn two Finnair Plus points for every euro you spend when you pay with your card’s charge and credit facilities.

Travel insurance is valid when you pay your trip abroad entirely with your card’s charge or credit facility.

Cash withdrawal cover compensates cash funds withdrawn from the credit account up to 850 euros if they are stolen from you within 24 hours of the withdrawal.

Earn Finnair Plus points

Credit card and aircraft – small

1 euro = 2 points

You earn Finnair Plus points for every purchase you make with the charge and credit facilities and also get an interest-free repayment period for your purchases made on credit. You cannot earn points for invoice payments, credit transfers, cash withdrawals, cash payments and purchases made with your card’s debit feature.

All purchases paid with Finnair Plus Mastercard parallel cards’ credit facility accrue points to the same Finnair Plus account.  

Choose the payment method you prefer


You can choose whether to pay with credit or directly from your bank account. When paying with the credit facility, you will get an interest-free  payment period of 30 days on average.

With the contactless payment feature of your Nordea Gold card, you can pay your purchases of less than 50 euros securely, without having to touch the payment terminal. You can also pay your purchases exceeding 50 euros without touching the payment terminal if you attach a mobile payment app to your card. You can start paying with wearables when you have Nordea’s payment or credit card and a smartphone, smartwatch or some other smart device.

Credit interest

Credit interest

Finnair Plus Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 24.6% and the price of credit is 1,687 euros, when the nominal interest is the 3-month Euribor (February 2021) + 11.5% and the annual fee for the principal card of 60 euros and the monthly paper invoice fee of 3 euros have been taken into account. Finnair Plus Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 2,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Terms
Prices
Prices for cards issued before 1.9.2019
Your rights when making payments in Europe

Credit interest

Finnair Plus Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 24.6% and the price of credit is 1,687 euros, when the nominal interest is the 3-month Euribor (February 2021) + 11.5% and the annual fee for the principal card of 60 euros and the monthly paper invoice fee of 3 euros have been taken into account. Finnair Plus Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 2,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Prices after 1.9.2019

Prices for Finnair Plus Mastercard


Annual feePrice
Finnair Plus Mastercard -card60,00 €
Paralell card*0,00 €

Additional servicesPrice
Mastercard queries in Netbank, Mobile Bank and in eService per month0,00 €
Service fee for an express order of Mastercard10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query1,50 €
Balance query at an ATM0,80 €
Reorder of card PIN (delivery by post)*  7,00 €
Checking card PIN in Netbank and Mobilebank0,00 €
Change of credit limit0,00 €
Printed credit card invoice/per invoice3,00 € 
Transfer from credit cardInterest-bearing as of the transfer date
Bill payment from card credit facility at Nordea's payment ATMInterest-bearing as of the payment date
Change or renewal of card during its validity10,00 € 
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control0,00 €
Finder’s fee0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €

Cash withdrawals in FinlandPrice
Cash withdrawals from bank account in Finland at a branch0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal

0,00 €

1,00 €

Cash withdrawals from card credit in Finland at ATMs per withdrawalInterest-bearing as of the drawdown date

Cash withdrawals abroadPrice

Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month

Cash withdrawals in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal

0,00 €

1,00 €

Cash withdrawals in euros at ATMs from credit account in the EEA Member States Interest-bearing as of the drawdown date

Cash withdrawals in euros from credit account at branches in the EEA Member States 

Cash withdrawals in euros from bank account in the EEA Member States 

Interest-bearing as of the drawdown date 

2,00 € + 3 %

Cash withdrawals in currencies other than the euro from credit account at branches and/or ATMs in the EEA Member States and outside the EEA

Cash withdrawals in currencies other than the euro from bank account at branches and/or ATMs in the EEA Member States and outside the EEA

Interest-bearing as of the drawdown date 

2,00 € + 3 %

Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark
0,00 €

Transaction feesHinta

Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro*

2,25 %

*When you make a purchase or withdraw cash in a currency other than the euro, an exchange rate set by Mastercard or Visa plus an additional currency conversion fee subject to our tariff will be applied to the transaction. For more information, see foreign currency card transactions.

What changes can I make to my credit card invoicing?

You can edit the due date, instalment percentage and instalment-free months free of charge:

  • in Nordea Mobile under Edit credit. Confirm with your Nordea ID app.
  • in the OmaLuotto service under Credit account settings (with your bank’s online banking codes) nordeafinance.fi/en/omaluotto.

Your instalment percentage can be anywhere between 3% and 100% of the credit amount. The instalment-free months cannot be consecutive months. 

If you want to change the due date or instalment percentage on an invoice that has already been created, please call Nordea Finance Customer Service. The changes are subject to a fee set in our tariff.

See your credit card invoice to check the invoicing period, monthly transactions and payment details. If you have opted for e-invoicing, itemised invoices are available in Nordea Netbank and Nordea Mobile.

What do the travel insurance and the cash withdrawal cover included in a Finnair Plus Mastercard cover?

Finnair Plus Mastercard includes both free travel insurance and a cash withdrawal cover. When you pay your whole trip abroad (100%) with the credit facility of your Finnair Plus Mastercard, you and all your family members travelling with you will be covered by travel insurance without any extra charge.

  • The insurance covers transportation to Finland from abroad (for example, on air ambulance flights) in cases of serious illness or accidents.
  • The maximum insured amount is 50,000 euros.
  • The maximum insured amount of the medical treatment expenses arising from illness or accident is 30,000 euros.
  • The maximum luggage indemnity is 840 euros (the deductible is 50 euros).
  • The cash withdrawal cover compensates cash funds withdrawn from the Finnair Plus Mastercard credit account in a foreign country up to 850 euros if they are stolen from you within 24 hours of the withdrawal.

Read more about insurance terms and conditions, insurance certificates and Tryg customer service

Useful tips

Useful tips

You can edit the properties of your card that you choose when you apply for the card later yourself. 

You can edit, for example, the amount of your monthly payment, payment date and instalment-free months in Nordea Mobile. You can also apply to raise your credit limit in Nordea Netbank.

PIN code and account
Daily spending limits, geographical restrictions and online payments
Card renewal and delivery methods
Billing and transactions

Useful tips

You can edit the properties of your card that you choose when you apply for the card later yourself. 

You can edit, for example, the amount of your monthly payment, payment date and instalment-free months in Nordea Mobile. You can also apply to raise your credit limit in Nordea Netbank.

PIN code and account

You can use the PIN code provided by the bank or choose your own PIN code for your card. You can also change your PIN code later.  Read more about PIN codes. 

You can link your card to a bank account and choose whether payments and cash withdrawals are taken out of your credit card account (credit) or your bank account (debit). Any card payments and cash withdrawals that you make abroad are always taken in euros either from your bank account (debit) or your credit card account (credit).

Daily spending limits, geographical restrictions and online payments

You can edit the security settings on your card in Nordea Mobile. Go to Overview, find the card you want to edit and select Settings. 

In our new Netbank, you can edit your security settings in Finances -> Cards. Select the card you want to edit and click on Card details to make the changes. 

To edit your settings in the old Netbank, go to Everyday finances -> Cards -> Security limits / Usage area and Internet.

Learn how to use your card safely.

Card renewal and delivery methods

Replacing a damaged card 

You can order a new card in the old Netbank under Cards > Card editing and renewal.

When your card is about to expire, you will be sent a new card automatically

Your card is valid until the end of the month in which it expires, and you can check the expiry date on the front of your card. You will receive a new card by post before your card expires. Please check your post to see whether you have already received your new card.

Your new card will be delivered to your home address

Your card will be sent to the home address in Finland that you have given to Nordea. You can expect to receive your new card within approximately two weeks from the date on which you ordered it. There is no delivery charge. Alternatively, you can ask for express delivery by contacting Nordea Customer Service. With express delivery, your card will arrive at your home address within approximately one week. Express delivery costs EUR 10. 

Read more about our card delivery methods, or ask Nordea Customer Service for more information about, for example, having your card delivered to an address abroad. 

How to cancel your card

If you want to cancel your card, you can do it electronically via the OmaLuotto service. Read the instructions.

Billing and transactions

Credit card transactions

You can view your credit card transactions and balance via Nordea Mobile and Nordea Netbank. You can also view your invoices in the e-invoice archive and in Nordea Finance’s OmaLuotto service using the online banking codes of other banks. Your credit card bill doubles as your account statement. 

In Nordea Mobile, you can view your credit card transactions by clicking on the name of the card on the front page or by going to Overview. Your transaction history covers a period of between one and three months depending on the type of card. Older transactions can be found in your previous bills. 

To browse your credit card transactions in the new Netbank, click on the name of the card on the front page. Your transaction history covers a period of between one and three months depending on the type of card. If you cannot see your card transactions, you may need to enable card transaction queries. Older transactions can be found in your previous bills.

You will need to enable the card transaction queries in the old Netbank. Go to Edit Netbank > Optional credit card services, enable transaction query and confirm by clicking Save. The transaction query feature is free of charge. 

Please note that the name of the vendor with whom you used your card may be different from the name of the biller shown in your bill; this is often the case with, for example, restaurants and taxi companies. 

30-day interest-free payment period on credit cards

The interest-free payment period effectively gives you a free loan for a period of at least 30 days. 

Here is an example involving the purchase of a vacuum cleaner: You have chosen to pay your credit card bill on the 15th of each month, and your current billing period covers from 25 March until 26 April. It makes sense to coordinate your credit card payment date with you payday to make sure that you have money available when your bill is due. 

  • 1 April: You buy a vacuum cleaner 
  • 15 April: Your previous credit card bill from March is due
  • 15 May: Payment for your purchases in April, including the vacuum cleaner, is due 

A new billing period starts on 26 April, and any purchases you make after that date will be included in your June bill. Even if you buy the vacuum cleaner on 26 April instead of 1 April, you will still have to pay for it on 15 May. If you buy the vacuum cleaner on 27 April, however, you will have until 15 June to pay. You can optimise your credit card billing period to make it as long as possible. By waiting until 27 April to buy the vacuum cleaner, you can get 45 days interest free to pay for it. 

What changes can I make to my credit card myself? 

You can view and edit your credit card billing date, instalment percentage and instalment-free months in the old Netbank under Everyday finances > Cards > Changes to credit card. Changing your instalment percentage is subject to a fee for changing the repayment schedule based on our latest tariff. 

If you need to change the billing date or the amount of a payment that has already been calculated, you can call Nordea Customer Service or use our chat function. Changes are subject to a service charge. 

You can find information about your credit card billing period, monthly transactions and payment history in your credit card bill. If you have opted for e-invoicing, itemized bills can be accessed in Nordea Netbank and Nordea Mobile. 

One-off payments 

You can make additional payments or pay off your credit card balance in full at any time. You can also increase the amount of your regular payments.

Changing your card payments and billing preferences in Nordea Mobile or our new Netbank is easy. You can find more detailed instructions in the app or Netbank.

You can pay off your credit card balance in full at any time. To view your balance in Nordea Mobile or Nordea Netbank, click on the name of the card. 

You can edit the amount of your next monthly payment to clear your balance. Your bill will show both the total balance remaining on the card and the amount of interest until your next payment date. 

If your card number starts with 522, you can check your closing balance by calling our Customer Service / billing team on +358 (0)9 6964 6011 (between 8.00 and 20.00 from Monday to Friday).

Personal customers

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