Credit cards · Finland
S-Etukortti Visa Credit/Debit ✓
Finland · Credit cards · Visa · Credit
CreditVisa
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★★★★★
0 reviews
Launch date—
Card typeCredit cards
TechnologyVisa
Last verifiedSeptember 2026
A combination card with both credit and debit functions, letting you pay from your account balance or credit line, with S Group membership benefits. It is recorded in the database as a single combination card.
Core benefits
Core benefits✈Travel pointsEarn points on travel and dining
◇Welcome bonusEarn extra rewards after meeting requirements
↻Flexible redemptionRedeem for travel, gifts and more
◎International useDesigned for travel and international spending
▣Travel protectionTravel-related benefits and support
✓Payment securitySupports mainstream secure payment features
Key features
Key features▣
Physical cardPhysical card supported
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Apple WalletAdd to Apple Wallet
G
Google WalletMobile payments supported
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RechargeableNot supported
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RefundableNot supported
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VisaVisa
Card information
IssuerS-Pankki Oyj
CountryFinland
Card typeCredit cards
TechnologyVisa
CurrencyEUR
Physical card✓ Yes
Apple Wallet✓ Yes
Google Wallet✓ Yes
Rechargeable✗ No
Refundable✗ No
Fees
Free / No fee information
How to get it
Apply from the official S-Pankki Oyj product page, provide the requested ID and income details and pass a credit check; eligibility, limit and rate depend on bank approval.
Fees & rates
Fees & ratesRecommended credit scoreGood or above
Frequently asked questions
View all →How do I earn the welcome bonus?›
See the issuer's latest terms and application page for specific rules.
Which partners can receive transferred points?›
See the issuer's latest terms and application page for specific rules.
Is there a foreign transaction fee?›
See the issuer's latest terms and application page for specific rules.
How is the annual fee charged or offset?›
See the issuer's latest terms and application page for specific rules.