OP Duo
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OP · MASTERCARD
The OP Duo is a credit card from OP on the Mastercard network. It has an annual fee of €48.
Verified 16 Oct 2026
Key facts
- Annual fee
- €48
- Purchase APR
- 3-month Euribor + 8.95% (11.01% with Euribor at 2.06%, April 2026; effective 19.23% on €2,000 over 12 months)
- Foreign transaction fee
- 2.5%
- Network
- MASTERCARD
Benefits and perks
- Credit limit €2,000 to €20,000.
- Product Protection Insurance on purchases for 365 days for owner-customers.
- F-Secure Scam Protection.
- On average 35 interest-free days on purchases.
- K-Plussa loyalty can be added to the card.
- Account fee €3.50 a month when the credit carries interest.
Questions about the OP Duo
What is the annual fee on the OP Duo?
The OP Duo has an annual fee of €48.
Is the OP Duo worth it?
The OP Duo is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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