Originally Posted by Trav1970

You may actually be better off collecting the S-bonus and then using your S-bonus to buy AY+ points at list prices.

For comparison: 1500 euro purchase with Stockmann card would earn you either 1500, 2250 or 3000 points depending on the color of your Stockmann loyal customer card. 1500 euros purchase in a month would earn you 75 euros of S-bonus, which could be exchanged to nearly 6000 points at list prices from Finnair. (OT: just noticed that 1000 points nowadays costs 12.88 euros, and iirc it used to be 12.50 euros. Inflation?)

So: If you spend 1500 euros on your S-card per month, you are at least twice as good off just buying your AY+ points. To be as well off, you would need to spend an amount earning 2.5% bonus with S-group (=400 euros per month e.g. with HOK-Elanto) if you were a First member with Stockmann. If you are only a basic member, you would be as good as now with just 200 euros monthly spend which would get you to 1.5% earnings level.