Jan 28, 2015, 2:37 am
Last edit by: RedChili
Wiki-update, September 2017, by RedChili:
Coop in Sweden has a membership program whereby you may collect points, which later can be converted to Eurobonus points. There are set specific intervals at which conversions may be made, but basically, the exchange rate is 10 Coop points to 1 EB point.
To become a Coop member, you need to pay SEK 100, which will give you a membership card that allows you to earn points when shopping in Coop, a few other physical stores, and on the Coop Internet shopping portal. The membership card itself will give you at least 0.5 points per SEK when shoppping at Coop, translating into 5 EB points per SEK 100. There's a points ladder, which means that for purchases above SEK 4500 per month, shoppers may get 5 points per SEK at Coop, translating into 50 EB points per SEK 100.
Coop has three cards that you can use to obtain points:
Coop Konto (Coop Account): It's a debit card that can only be used for shopping at Coop stores. There's no annual fee, and it gives 0.5 additional points per SEK at Coop, which translates into a total of 10 EB points per SEK 100 (including what the membership gives).
Coop Betala Efter (Coop Pay After): It's a Mastercard credit card which can be used everywhere. There's no annual fee, and it gives 0.5 additional points per SEK at Coop, and 0.25 points everywhere else, which translates into a total of 10 EB points per SEK 100 at Coop and 2.5 EG points everywhere else. There's a 1.75% currency conversion fee. At the time of writing, there's a 10.000 point welcome bonus on this card, translating into 1000 EB points.
Coop Mer (Coop More): It's a Mastercard credit card which can be used everywhere. There's no annual fee for the first year, but a fee of SEK 348 thereafter. It gives 1 additional point per SEK at Coop, and 0.5 points per SEK everywhere else, which translates into a total of 15 EB points per SEK 100 at Coop and 5 EB points everywhere else. Unlike the Eurobonus AMEX cards which have 2% currency conversion fee, there's no currency conversion fee at all on this card, something which may make this card attractive for private purchases in other currencies. At the time of writing, there's a 10.000 point welcome bonus on this card, translating into 1000 EB points.
So, let's make a comparison between Amex Premium and Coop Mer when shopping for SEK 10.000 in other currencies: The Amex will cost you a total of SEK 10.200 and give 1500 EB points, while the Coop will cost a total of SEK 10.000 and give 500 EB points. By using the Amex, the extra 1000 EB points will actually cost you SEK 200.
Some select stores from the Coop Internet shopping portal (with points listed as EB points after conversion):
Hallon phone subscription: 500 EB welcome points, and 30 EB per month.
Hotels.com: 20 EB per SEK 100 (at the time of writing, there's a 50 EB campaign).
Tallink/Silja: 20 EB per SEK 100.
Adlibris: 20 EB per SEK 100.
Cdon.com: 10 EB per SEK 100.
It's fully possible for a Coop member to shop through the Coop Internet portal and double dip by paying with an Amex card or the Coop credit cards.
It's also possible to pay regular bills with Coop Mer through Betalo (see below), but they charge a 1% transaction fee when paying with Coop cards, and you only get 5 EB points per SEK 100, meaning that receiving 1000 EB points will cost you SEK 200 in Betalo fees.
!IMPORTANT NOTICE!
Beginning January 1st 2016, Betalo will charge 1% processing fess for charging to the MedMera COOP MasterCard
Here are the companies that you can't use betalo (please feel free to add in):
- SEB
- Ikano Kort
- AMEX
- PayEx (check your VVS bills (got one recently and they hand the bills handling to PayEx) - if the payment is big, you are definitely loose out some points)
- OkQ8
- Skatteverket (called them today and they said that COOP blocks payments to Skatteverket) - it's possible to use other cards
Coop in Sweden has a membership program whereby you may collect points, which later can be converted to Eurobonus points. There are set specific intervals at which conversions may be made, but basically, the exchange rate is 10 Coop points to 1 EB point.
To become a Coop member, you need to pay SEK 100, which will give you a membership card that allows you to earn points when shopping in Coop, a few other physical stores, and on the Coop Internet shopping portal. The membership card itself will give you at least 0.5 points per SEK when shoppping at Coop, translating into 5 EB points per SEK 100. There's a points ladder, which means that for purchases above SEK 4500 per month, shoppers may get 5 points per SEK at Coop, translating into 50 EB points per SEK 100.
Coop has three cards that you can use to obtain points:
Coop Konto (Coop Account): It's a debit card that can only be used for shopping at Coop stores. There's no annual fee, and it gives 0.5 additional points per SEK at Coop, which translates into a total of 10 EB points per SEK 100 (including what the membership gives).
Coop Betala Efter (Coop Pay After): It's a Mastercard credit card which can be used everywhere. There's no annual fee, and it gives 0.5 additional points per SEK at Coop, and 0.25 points everywhere else, which translates into a total of 10 EB points per SEK 100 at Coop and 2.5 EG points everywhere else. There's a 1.75% currency conversion fee. At the time of writing, there's a 10.000 point welcome bonus on this card, translating into 1000 EB points.
Coop Mer (Coop More): It's a Mastercard credit card which can be used everywhere. There's no annual fee for the first year, but a fee of SEK 348 thereafter. It gives 1 additional point per SEK at Coop, and 0.5 points per SEK everywhere else, which translates into a total of 15 EB points per SEK 100 at Coop and 5 EB points everywhere else. Unlike the Eurobonus AMEX cards which have 2% currency conversion fee, there's no currency conversion fee at all on this card, something which may make this card attractive for private purchases in other currencies. At the time of writing, there's a 10.000 point welcome bonus on this card, translating into 1000 EB points.
So, let's make a comparison between Amex Premium and Coop Mer when shopping for SEK 10.000 in other currencies: The Amex will cost you a total of SEK 10.200 and give 1500 EB points, while the Coop will cost a total of SEK 10.000 and give 500 EB points. By using the Amex, the extra 1000 EB points will actually cost you SEK 200.
Some select stores from the Coop Internet shopping portal (with points listed as EB points after conversion):
Hallon phone subscription: 500 EB welcome points, and 30 EB per month.
Hotels.com: 20 EB per SEK 100 (at the time of writing, there's a 50 EB campaign).
Tallink/Silja: 20 EB per SEK 100.
Adlibris: 20 EB per SEK 100.
Cdon.com: 10 EB per SEK 100.
It's fully possible for a Coop member to shop through the Coop Internet portal and double dip by paying with an Amex card or the Coop credit cards.
It's also possible to pay regular bills with Coop Mer through Betalo (see below), but they charge a 1% transaction fee when paying with Coop cards, and you only get 5 EB points per SEK 100, meaning that receiving 1000 EB points will cost you SEK 200 in Betalo fees.
!IMPORTANT NOTICE!
Beginning January 1st 2016, Betalo will charge 1% processing fess for charging to the MedMera COOP MasterCard
Here are the companies that you can't use betalo (please feel free to add in):
- SEB
- Ikano Kort
- AMEX
- PayEx (check your VVS bills (got one recently and they hand the bills handling to PayEx) - if the payment is big, you are definitely loose out some points)
- OkQ8
- Skatteverket (called them today and they said that COOP blocks payments to Skatteverket) - it's possible to use other cards
SAS EuroBonus credit cards vs. Coop MedMera Mer (Sweden)
Dec 24, 2014, 1:59 am
#46
Join Date: Jun 2013
Location: Sweden
Posts: 84
The points appear in my EB account faster than I switch tabs in Safari.
Dec 25, 2014, 1:02 pm
#47
Join Date: Apr 2013
Location: Stockholm
Programs: EuroBonus Diamond
Posts: 171
I completed 2 transactions a few days ago - one for 60k points and another for 30k points. Went through essentially immediately. Plan to continue prioritizing the card and Betalo for as long as the terms remain attractive.
Dec 28, 2014, 10:28 am
#48
Join Date: Oct 2011
Programs: EuroBonus Diamond, Delta Skymiles 360, BAEC LTG, Hilton Diamond, Marriott Ambassador
Posts: 2,818
It is interesting how the MedMera points show up faster than flights with the actual airline which seem to have reached a new low, have flights dating back 18 days that have not shown up yet.
I don't know what IT they are using at COOP but SAS should be on the look out for the same.
I don't know what IT they are using at COOP but SAS should be on the look out for the same.
Jan 28, 2015, 1:17 am
#50
Join Date: Jan 2015
Posts: 1
I've only had it for a few days and tried to register a handful of payments. The only recipient that it didn't accept is the SAS EB MC (bankgiro 595-4300). It did accept SAS EB AmEx (bankgiro 730-8596), though my payment date hasn't hit yet.
One downside is that Betalo doesn't support Autogiro nor E-faktura, though they claim they're working on it.
One downside is that Betalo doesn't support Autogiro nor E-faktura, though they claim they're working on it.
Mar 1, 2015, 1:58 am
#52
Join Date: Jul 2008
Programs: EBG4Life, EBD, 1MM
Posts: 1,397
Looks like to conversion to SAS points will be devaluated (as expected) on April 1st:
Examples of what you can get for your MedMera points to 31 March 2015
30,000 MedMera points (6000 EuroBonus points) - domestic flight, single
50,000 MedMera points (10,000 EuroBonus points) - Domestic flight tour / ticket (taxes and fees apply)
New course from April 1, 2015
30,000 MedMera point equals 4500 EuroBonus points
50 000 MedMera point equals 7500 EuroBonus points.
Examples of what you can get for your MedMera points to 31 March 2015
30,000 MedMera points (6000 EuroBonus points) - domestic flight, single
50,000 MedMera points (10,000 EuroBonus points) - Domestic flight tour / ticket (taxes and fees apply)
New course from April 1, 2015
30,000 MedMera point equals 4500 EuroBonus points
50 000 MedMera point equals 7500 EuroBonus points.
Mar 1, 2015, 7:40 am
#53
Suspended
Join Date: Sep 2014
Posts: 624
Looks like to conversion to SAS points will be devaluated (as expected) on April 1st:
Examples of what you can get for your MedMera points to 31 March 2015
30,000 MedMera points (6000 EuroBonus points) - domestic flight, single
50,000 MedMera points (10,000 EuroBonus points) - Domestic flight tour / ticket (taxes and fees apply)
New course from April 1, 2015
30,000 MedMera point equals 4500 EuroBonus points
50 000 MedMera point equals 7500 EuroBonus points.
Examples of what you can get for your MedMera points to 31 March 2015
30,000 MedMera points (6000 EuroBonus points) - domestic flight, single
50,000 MedMera points (10,000 EuroBonus points) - Domestic flight tour / ticket (taxes and fees apply)
New course from April 1, 2015
30,000 MedMera point equals 4500 EuroBonus points
50 000 MedMera point equals 7500 EuroBonus points.
Mar 1, 2015, 7:48 am
#54
Join Date: Sep 2012
Location: AGH
Posts: 5,960
That is the AMEX but you did get 6.000 Extra points signup bonus for that. If you get the Elite card for 400€ a year you get 20.000 Basic points counted towards status but they are not awarded as redeemable points.
Mar 1, 2015, 8:14 am
#55
Join Date: Jul 2008
Programs: EBG4Life, EBD, 1MM
Posts: 1,397
, but perhaps we can hope for more opportunities for the Danes and Norwegians in the future instead
Mar 1, 2015, 8:25 am
#56
Suspended
Join Date: Jul 2001
Location: Watchlisted by the prejudiced, en route to purgatory
Programs: Just Say No to Fleecing and Blacklisting
Posts: 102,095
Does the SK Amex account address have to match the SK EuroBonus address?
I know some Danes and Norwegians with the SK Amex card in Sweden, but I don't know if the DK/NO addresses were used at all in the SK EB accounts or if it was all just SE addresses on the SK EB accounts.
Mar 1, 2015, 8:51 am
#57
Suspended
Join Date: Sep 2014
Posts: 624
Or next time you can't find an award ticket - it probably went to Susanna Svensson, who got that SFO flight based on her purchases of pet food in Coop in Staffanstorp.
Or when the line to Fast Track is crowded with people with gold cards and dirt cheap Go tickets - they earned their way there from getting an AMEX, which more than pays for itself through 2-4-1 vouchers.
Mar 1, 2015, 9:39 am
#58
Join Date: Sep 2012
Location: AGH
Posts: 5,960
More likely the fact the SK was handing our points like candy the last two years and a lot of people could qualify for Gold with just their vacation flying to Spain and a trip to the US.
E.g. look at the Club Carlson US Visa Card... they get a 50% reduction in point spend on award nights. Is it fair? No it is not, but I have to live with it.
I bet most Susanna Svensson's around will spend their points on short haul awards or even just shopping and gift cards since they will never get the points to book a trip for 5 to the US.
With the new T&C where you can use it for the rest of the year and the full next year it should be better.
But I agree, SE residents get the best deal out of EB and it is not fair to Danes and Norwegians. Anyway, this is a development independent of SK as these benefits are given by credit card companies which earn a lot of money with those deals. Danemark has not that strong CC usage like Sweden, caused by the ridicoulus fee the vendors are allowed to charge. Not sure for Norway although the AMEX offer they have is comparable. I bet as soon as that would go away, you would see same deals in Danemark.
Mar 1, 2015, 10:49 am
#59
Join Date: Sep 2012
Location: AGH
Posts: 5,960
Looks like to conversion to SAS points will be devaluated (as expected) on April 1st:
Examples of what you can get for your MedMera points to 31 March 2015
30,000 MedMera points (6000 EuroBonus points) - domestic flight, single
50,000 MedMera points (10,000 EuroBonus points) - Domestic flight tour / ticket (taxes and fees apply)
New course from April 1, 2015
30,000 MedMera point equals 4500 EuroBonus points
50 000 MedMera point equals 7500 EuroBonus points.
Examples of what you can get for your MedMera points to 31 March 2015
30,000 MedMera points (6000 EuroBonus points) - domestic flight, single
50,000 MedMera points (10,000 EuroBonus points) - Domestic flight tour / ticket (taxes and fees apply)
New course from April 1, 2015
30,000 MedMera point equals 4500 EuroBonus points
50 000 MedMera point equals 7500 EuroBonus points.
I like at the moment that 20 000, 30 000, 40 000, 50 000 and 60 000 all have the same ratio while I think it would make more sense for them to give some bonus for the larger conversions
Never mind... found it: https://www.coop.se/MedMera-kortet/Partnersidor/SAS/
Mar 1, 2015, 10:52 am
#60
FlyerTalk Evangelist
Join Date: Aug 2010
Location: CPH
Programs: UAMP S, TK M&S E (*G), Marriott LTP, IHG P, SK EBG
Posts: 11,066
And some of you wonder why the lounges are crowded when everyone and their grandmother - in Sweden - can get a credit card the jump to line? It's almost halfway to gold without ever stepping foot in an aircraft.
Or next time you can't find an award ticket - it probably went to Susanna Svensson, who got that SFO flight based on her purchases of pet food in Coop in Staffanstorp.
Or when the line to Fast Track is crowded with people with gold cards and dirt cheap Go tickets - they earned their way there from getting an AMEX, which more than pays for itself through 2-4-1 vouchers.
Or next time you can't find an award ticket - it probably went to Susanna Svensson, who got that SFO flight based on her purchases of pet food in Coop in Staffanstorp.
Or when the line to Fast Track is crowded with people with gold cards and dirt cheap Go tickets - they earned their way there from getting an AMEX, which more than pays for itself through 2-4-1 vouchers.
- you can also get a better car, cheaper house, cheaper and nicer food, and free International School education (for us it's DKK 30000 per month saving) while keeping your high paying job in DK - best of the both world ^ Not that many Swedes are qualified for AMEX card - you need half a million yearly salary, so not all Annika Svensson (I found the name Annika very Swedish) can get a card.
When other FTers told me about how they churn their US cards getting free Plat status, free nights, and doing their trip in F and with free nights twice a year...... well it's just too bad that we can't get those things here in Scandinavia.
