Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in Finland? We've analyzed 3 Credit Cards from top banks operating in Finland to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 3 Credit Cards in Finland (2026)
1. Elite Credit Mastercard
Bank: Aktia Bank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.42% per month
- Key Benefits: Chip/Pin, Supplementary Cards
Established in 1825 as a savings bank, Aktia Bank Plc now operates as a universal commercial bank.
2. op gold
Bank: op bank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.42% per month
- Key Benefits: Travel Benefits, Ticket/Flight Booking, Purchase Protection, Interest Free Days, Minimum Age (Years), No. of Supplementary Cards
Established in 1902, OP Yrityspankki Oyj (formerly OP Corporate Bank) is a Finnish financial services company, providing banking, non-life insurance, and asset management services to private, corporat...
3. visa credit kortti
Bank: säästöpankki sparbanken
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.42% per month
- Key Benefits: Travel Benefits, Purchase Protection, Interest Free Days, Minimum Age (Years), No. of Supplementary Cards, Chip/Pin
Sp-Kiinnitysluottopankki Oyj (Sp Mortgage Bank plc) is a wholly owned mortgage bank belonging to Savings Banks Group (Säästöpankkiryhmä).
How to Choose the Right Card
When comparing Credit Cards in Finland, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in Finland
Want to see all available options? Compare all Credit Cards in Finland →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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