S-Etukortti Visa Credit
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S-Pankki · VISA
The S-Etukortti Visa Credit is a credit card from S-Pankki on the Visa network. It has an annual fee of €0. It earns 0.50% on everything else.
Verified 16 Oct 2026
Key facts
- Annual fee
- €0
- Purchase APR
- 3-month Euribor + 11.95% (14.43% with Euribor at 2.484%, July 2026; effective 18.389% on €1,500)
- Foreign transaction fee
- 2.45%
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 0.50% | 0.5% payment benefit on S-Group purchases, on top of the S-Group Bonus |
Benefits and perks
- Credit limit €800 to €10,000.
- Earns S-Group Bonus on S-Group purchases.
- On average 30 interest-free days on purchases.
- Two payment-free months a year.
- Minimum monthly payment €40.
- Account fee €2 per e-invoice (€5 paper) when the credit is not paid in full.
- Two S-Etukortti Visa cards free of charge.
Questions about the S-Etukortti Visa Credit
What is the annual fee on the S-Etukortti Visa Credit?
The S-Etukortti Visa Credit has an annual fee of €0.
What rewards does the S-Etukortti Visa Credit earn?
The S-Etukortti Visa Credit earns 0.50% on everything else.
Is the S-Etukortti Visa Credit worth it?
The S-Etukortti Visa Credit 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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