OP Gold
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OP · VISA
The OP Gold is a credit card from OP on the Visa network. It has an annual fee of €93.
Verified 16 Oct 2026
Key facts
- Annual fee
- €93
- Purchase APR
- 3-month Euribor + 8.95% (11.01% with Euribor at 2.06%, April 2026; effective 17.88% on €2,000 over 12 months)
- Foreign transaction fee
- 2.5%
- Network
- VISA
Benefits and perks
- Credit limit €2,000 to €20,000.
- Debit and credit in one card: pay from your account or from the credit.
- Travel insurance for you and your family.
- Two free visits per year to an airport lounge, rental car insurance and emergency cash advance.
- Product Protection Insurance on purchases for 365 days.
- Event ticket insurance up to €1,000 a month.
- 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 Gold
What is the annual fee on the OP Gold?
The OP Gold has an annual fee of €93.
Is the OP Gold worth it?
The OP Gold 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
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