S-Etukortti Visa Credit/Debit
S-Pankki · VISA
The S-Etukortti Visa Credit/Debit 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.
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.
- Debit and credit in one card: pay from your account or from the credit.
- 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/Debit
What is the annual fee on the S-Etukortti Visa Credit/Debit?
The S-Etukortti Visa Credit/Debit has an annual fee of €0.
What rewards does the S-Etukortti Visa Credit/Debit earn?
The S-Etukortti Visa Credit/Debit earns 0.50% on everything else.
Is the S-Etukortti Visa Credit/Debit worth it?
The S-Etukortti Visa Credit/Debit 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.
More from S-Pankki
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
Upload a statement