Rahalaitos luottokorttikampanja review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Rahalaitos luottokorttikampanja suits Finnish businesses that want cashback on everyday card spending, paying 10 points per 1 EUR spent in rewards and adding nothing to fixed costs. It is built for companies rather than personal users, so a household cardholder will find it the wrong tool.
Key facts
- Best for
- A business credit card that pays cashback and adds no annual charge.
- Annual fee
- €0 (Source, checked September 26, 2026)
- APR
- €17.50 to €39 (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 10 points per 1 EUR spent (Source, checked September 26, 2026)
- Perks
- Travel insurance, Cancellation insurance, Purchase protection, Interest-free payment period of 45-60 days, Apple Pay and Google Pay, Free current and savings account with the Ferratum card, 10% club discounts with the Instabank card, Fully digital card (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Sambla Group Oy (Source, checked September 26, 2026)
- Headquarters
- Finland (Source, checked September 26, 2026)
- Founded
- 2011 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Audience
- Business
- Official website
- rahalaitos.fi
Apps and profiles
- Elsewhere
- Trustpilot
Pros and cons
Pros
- Cashback on spending at 10 points per 1 EUR spent.
- Perks include travel insurance, cancellation insurance, purchase protection, an interest-free payment period, Apple Pay and Google Pay, and a fully digital card (travel insurance, cancellation insurance and purchase protection).
- Support covers email, phone and help centre.
- The card sits with Sambla Group Oy, a group founded in 2011.
Cons
- Borrowing is not cheap: an APR of €17.50 to €39 against a credit card ranking median of 20.85%.
- It is a business card, so personal spending sits outside its intended use (business).
- Perks differ by card, with a current and savings account bundled only with the Ferratum card and club discounts only with the Instabank card (travel insurance, cancellation insurance and purchase protection).
Who it suits
- Companies that want a credit card with an annual fee of €0 and cashback on everyday purchases.
- Firms that pay by phone wallet and want a fully digital card (travel insurance, cancellation insurance and purchase protection).
- Teams that value travel, cancellation and purchase protection on the card (travel insurance, cancellation insurance and purchase protection).
Who should look elsewhere
- Wise, if you want a multi-currency account rather than a business credit line; its annual fee is £0.
- Varo Believe Secured Credit Card, if you are building a credit history with a secured card, annual fee $0.
- Chime Card (Secured Visa Credit Card), which is a secured card rather than a business credit card, annual fee $0.
Fees and currency costs
The annual fee is €0, so holding the card adds nothing to fixed costs. Borrowing is the line to watch: the APR is €17.50 to €39, a wide band that runs well into the costlier end of credit cards. Pay balances down rather than letting them sit, since a business card works as a short-term tool and not as cheap funding.
How Rahalaitos luottokorttikampanja compares
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Where Rahalaitos luottokorttikampanja is available
- Available
- Finland
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the card cost to hold each year?+
The annual fee is €0, and the card runs on a no annual fee model, so there is no fixed charge for keeping it open. Costs come from borrowing at the annual percentage rate, not from holding the card.
What rate do I pay if I carry a balance?+
The APR is €17.50 to €39, a range rather than a single rate, so borrowing cost can land anywhere inside it. The perks list an interest-free payment period, which is the cheapest way to use the card: clear the balance before that ends.
How do the rewards work?+
Spending earns cashback at 10 points per 1 EUR spent, and the rewards type is cashback. That is a modest rate next to cards built around points or miles, so read it as a small rebate rather than the main reason to apply.
What protection and extras do I get?+
Perks listed for the card include travel insurance, cancellation insurance, purchase protection, an interest-free payment period, Apple Pay and Google Pay, and a fully digital card. A current and savings account comes with the Ferratum card, and club discounts with the Instabank card.
Who is this card for?+
The intended audience is business, so the card is built for companies rather than personal spending. The provider is based in Finland (FI) and the card sits with Sambla Group Oy, the legal entity behind the terms.
How do I reach customer service?+
Support runs on email, phone and help centre, so you can email, call or use the help centre. Live chat is not among the listed channels, and the card is fully digital, so most account tasks are handled online rather than by post.
Is this a credit card or a debit card?+
The card kind is credit, so it is a revolving credit card rather than a debit card. You borrow and repay, and a balance can be carried, which means interest at the stated APR applies once payment falls short.
Who runs the company behind the card?+
The card sits with Sambla Group Oy, a group headquartered in Finland (FI) founded in 2011. That entity is the party on the terms, while the brand handles the customer-facing side of the card and its rewards.
Sources
- rahalaitos.fi checked September 26, 2026
Backs: Founded, Support channels
“Rahalaitos.fi on suomalainen, jo vuodesta 2011 toiminut lainanvälityspalvelu.”
- rahalaitos.fi/kayttajaehdot checked September 26, 2026
Backs: Annual fee, Audience, Headquarters, Legal entity
“Palveluiden käyttö on sinulle maksutonta.”
- rahalaitos.fi/luottokortti checked September 26, 2026
Backs: APR, Card kind, Features, Pricing model, Perks, Rewards rate, Rewards type
“Bank Norwegian Korko 17.5% ... Instabank Korko 19.15% - 39%”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee.
Rahalaitos luottokorttikampanja
A business credit card that pays cashback and adds no annual charge.