And because this is Flyertalk, we need to optimize (=maximize) the amount of S-bonus we get for our spend. To do that, don't get the HOK bonus card. It requires 1500eur/month for the full 5% bonus. Instead look for alternate places to get the card, e.g. TOK (Turun Osuuskauppa), which gives you the same 5% for just 900eur/month. You can get the e.g. the TOK card even in the Helsinki region, just let them know you want to join TOK and not HOK.