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The card cooperation between Nordea and Finnair ended in October 2023

We stopped issuing new Finnair Plus Mastercards on 1 January 2023, and Finnair Plus points have no longer been accumulated for purchases paid with the card’s credit facility after 31 October 2023. 

You can continue to use your card as before. 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 applied the following amendments to the Terms of the Finnair Plus Mastercard credit account on 1 November 2023:

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

You can find the updated Terms here

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

Travel safely

Credit card and aircraft – small

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

Cash withdrawal cover compensates cash withdrawn from the credit account up to 850 euros if the money is stolen from you within 24 hours of the withdrawal.

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
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 24.9% and the price of the credit is 1,689 euros, when the nominal interest is the 3-month Euribor (January 2024) + 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

No annual fee will be charged for the principal card’s annual periods beginning in or after September 2023.


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: select the card you want to edit and tap ‘Edit credit’.
  • in Nordea Netbank: go to Finances > Cards. Select the card you want to edit, and under the ‘Card details’ section, click ‘Edit credit’.
  • 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
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 and account

You can easily check your card PIN in Nordea Mobile or Netbank.

Read more about the PIN. 

Connect your bank account to the card, and your purchases and cash withdrawals will be debited either to your credit card (credit) or bank account (debit) as you wish. Any card payments and cash withdrawals you make abroad are debited in euros either to your bank account (debit) or credit card (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 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. 

Learn how to use your card safely.

Card renewal

New card to replace a broken one

  • In Netbank: Go to Finances > Cards. Select the card you want to renew and click on ‘Renew card’.
  • In Nordea Mobile: Select the card you want to renew and tap on Settings > Renew early.
  • Call Nordea Finance Customer Service.

Expiring cards will be renewed automatically

You will be able to use your card until the end of the last month of validity stated on your card. Your new card will be posted to you before your previous card expires. Please check if you have already received a new card to your home address.

You can terminate a card by informing Nordea Finance Customer Service of this in writing

If you want to terminate and cancel your card, you can do it digitally in the OmaLuotto service or by submitting a termination request. See further instructions on how to terminate your card. We recommend that all our customers have at least two cards. This way you are covered if you break or lose one of your cards. 

Invoicing and investigation of transactions

Card transactions

Credit card transactions:

  • Select your card on the front page of Nordea Mobile or Netbank. Here you’ll see a list of the latest transactions made with your card’s credit facility.
  • In Netbank you can check your latest e-invoice and look at your older credit card transactions by browsing older e-invoices. Log in to Netbank and go to Payments > E-invoices > History. On e-invoices you can also see card transactions older than 1 to 3 months. Your e-invoices will be stored in Netbank for 18 months.
  • In Nordea Mobile you can see your latest e-invoice. Log in to Nordea Mobile. Go to Payments and e-invoices, open your credit card invoice and tap 'Invoicer’s breakdown'.
  • In Nordea Finance’s OmaLuotto service.

Debit card transactions:

  • Select the account linked to your card in Nordea Mobile or Netbank. For example, if your card is linked to your current account, you’ll see the transactions made with your debit card in your account transactions.

Please note that the name of the seller under a card transaction may be different from the name of the creditor on your invoice in cases of restaurants and taxi companies, for example. 

What does the 30-day interest-free payment period mean in credit cards? 

When you pay your purchases with your card’s charge and credit facility, you get an interest-free payment period of 30 days on average.

Example: buying a vacuum cleaner The due date of the credit card invoice is the 15th of each month and the invoicing period is from 25 March to 26 April. We recommend that you choose the date on which you receive regular income as the due date to make it easy for you to pay the invoice when you have money available. 

  • 1 April You buy a vacuum cleaner. 
  • 15 April Due date on the credit card invoice, on which you pay the invoice for the previous invoicing period (March).
  • 15 May Due date for purchases made in April, including the vacuum cleaner in this case. 

Invoicing period changes on 26 April. Any purchases made after this date will be invoiced in June. If you had bought the vacuum cleaner on 26 April, you would still pay it on 15 May. If you had bought the vacuum cleaner on 27 April, the due date would be 15 June instead. 

What changes can I make to my credit card invoicing? 

You can change the due date, the instalment percentage and the instalment-free months 

  • in Nordea Mobile: select the card you want to edit and tap ‘Edit credit’.
  • in Nordea Netbank: go to Finances > Cards. Select the card you want to edit, and under the ‘Card details’ section, click ‘Edit credit’.
  • in OmaLuotto: go to section ‘Credit account settings’ (with online banking codes of any Finnish bank).

Your instalment percentage can be anywhere between 3% and 100% of the credit amount. The instalment-free months cannot be consecutive months. Please note that you cannot combine the instalment-free months with invoicing of equal-payment purchases. 

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.

Can I choose to pay extra? 

You can make extra instalments or pay off your debt whenever you want. You can also increase the total on your credit card invoice. Here are more specific instructions for different cards. 

You can easily pay off your full credit amount or a part of it in Nordea Mobile. Select your credit card on the front page and go to Pay and transfer > Used credit. Here you can set the amount you want to pay. Other details will be filled in automatically. 

You can also repay your credit card debt in Nordea Netbank. Select your card on the Overview page and click ‘Pay back’. Select the payment account and the repayment amount. Other details will be filled in automatically. Your repayment will show immediately. 

You can easily pay off your credit card debt whenever you want. You can see the current credit balance in Nordea Mobile and Nordea Netbank under your card details or in the OmaLuotto service.

You can easily pay off your credit card debt on the due date of the next invoice. See the invoice for the total credit balance and interest up to the due date. 

Need help?

Personal customers