Benefits
Collect Avios
You collect 1.7–2 Avios from your credit card purchases, depending on your membership tier.
As of 1 January 2025, your card's credit limit is the maximum sum from which you can collect Avios during one billing period.
| Finnair Plus tier | Avios accumulation |
|---|
| Finnair Plus Basic | 1.7 Avios per euro |
|---|
Finnair Plus Silver
Finnair Plus Gold
Finnair Plus Platinum
Finnair Plus Platinum Lumo | 2 Avios per euro |
|---|
You cannot collect Avios from bill payments, cash withdrawals or bank transfers. Avios will be added to your Finnair Plus account in the middle of the following month after the purchase. For example, Avios collected in March 2024 will be added to members' accounts 12–16 April 2024. The number of Avios you collect each month depends on your membership tier at the time when the Avios are awarded.
Collect tier points
You can collect a maximum of 300 tier points when you make purchases of at least €1,500 in a calendar month with Finnair Visa Credit. The benefit also applies to parallel cardholders.
Tier points will not double even if you make more purchases. For example, if you make purchases of €3,000 per calendar month, you will still receive 300 tier points.
Tier points are added to the cardholder’s Finnair Plus account simultaneously with Avios. For example, if you make purchases of at least €1,500 between 1–31 March 2024, 300 tier points will be added to your Finnair Plus account in April. New cardholders can receive the tier point benefit already from the first month if they make purchases of at least €1,500 per month, even if the credit card has been activated in the middle of the calendar month.
Cash withdrawals, service fees, interest charges, bill payments, bank transfers and refunds do not count towards the €1,500 spending requirement. The posting date (which may be different from the purchase date) determines which transactions count towards a calendar month’s spending requirement.
Transfer Avios
As a Finnair Visa Credit card holder, you can transfer Avios to another Finnair Plus account free of charge in Finnair Shop.
You can make complimentary transfers multiple times per tracking period. Please note that Avios cannot be transferred to a Finnair Plus Junior account, and the benefit does not apply to transfers made through customer service.
Exchange Avios for tier points
You can exchange Avios for tier points free of charge in Finnair Shop. The benefit can be used once within each personal one-year tracking period. It does not apply to exchanges made through customer service.
You can exchange 3 Avios for 1 tier point. Read more about exchanging Avios for tier points.
More information on Finnair Visa Credit
- You can apply for credit between €2,000–20,000.
- You receive an interest-free payment period of 30 days on average.
- You have the option for two payment-free months per calendar year. However, the months cannot be consecutive.
- You can make purchases of up to 50 euros with the contactless payment option of the card.
- You can connect your card to Apple Pay and Google Pay and pay for your purchases with your smart device.
- You can follow your transactions in the Finnair Visa application.
Parallel card
You can apply for a parallel card linked to your Finnair Visa Credit card if the parallel card holder is 18 or older or is 16–17 and lives in the same household as the principal cardholder. Parallel cardholders collect Avios and tier points in their own Finnair Plus account. The number of parallel cards is not limited.
More about parallel cards
- The monthly fee of a parallel card is €2.50/month.
- The principal cardholder and any parallel cardholders share the same credit limit.
- The owner of the credit account is responsible for the use of the credit on the parallel card.
- Purchases appear on the invoice by card. The invoice is sent only to the principal cardholder.
- The principal cardholder can set card-specific spending limits for parallel cards. The parallel cardholder can follow their own transactions in the Finnair Visa app and view the available balance at the end of each calendar month.
Applying for a parallel card
- Parallel cards require the principal cardholder’s consent.
- If you are 18 years or older, you can apply for a parallel card through an online application.
- If you are 16-17 years old and live in the same household as the principal cardholder, you can apply for a parallel card through the Aktia Finnair Visa customer service with a guardian’s consent.
Finnair Visa Credit card prices
For the credit feature of Finnair Visa Credit, the effective annual interest rate and the total amount of credit and credit costs payable are calculated assuming a credit amount of €2,000, a credit period of one year and a full drawdown, the credit interest and fees remaining the same throughout the credit period, and the credit being repaid in 12 equal monthly instalments. The interest rate on the credit is 3-month Euribor + 11.50%, the account management fee is €3.90/invoice,* and the monthly fee is €6. The effective annual interest rate is 28,46 % (calculated 09/2024, 3-month Euribor 3.468 %) and the total amount to be paid is €2,284.68 euro with the above assumptions. The card is issued by Aktia Bank Plc.
*The account management fee is charged only in those cases where the customer does not fully repay the used credit within the interest-free payment period or uses a payment-free month. E-invoices and paper invoices are free of charge, except if the cardholder has an online banking agreement, in which case a paper invoice costs €3/invoice.
See price information (PDF, in Finnish)
See terms (PDF, in Finnish)
Aktia Bank Plc card terms (PDF, in Finnish)
Standard European Consumer Credit Information (PDF, in Finnish)
