One more:

Säästöpankki Visa Gold
Fee: 138 eur (based on Nooa Säästöpankki's price list, including 3.5 eur monthly billing fee)
Points earning: 1 p / eur
Lounge access: 2 times free/year (LoungeKey)
Status on card: Not a co-branded card at all
Travel insurance: Yes, don't know of the quality but valid even without card usage (+ insurance for recent purchases + Visa Global customer assistance)
Contactless pay: Yes
Web/phone app: ?