New AY co-branded Diners Club card
Sep 25, 2018, 6:30 am
#406
Join Date: Jan 2018
Location: HEL
Programs: Drawer of Cards
Posts: 423
Plussa-man here. I think my next year's card will be then K-Plussa Mastercard. They offer right now 10€ sign-up bonus and you get 2pts per €, if you have black Plussa like me, you get 3pts per €. Then remember that black card holders can transfer plussapoints to AY with 1:2 ratio which is a sweet spot and I do it every month, on average I gain 20000pts to AY this way every month. Now, I don't know how those 3pts per € spend rack up since it only covers "basic points" in plussa-system, but I haven't even been able to discern how they calculate base points and extra points in plussasystem as they do have nowhere explained how it really works and I have asked that many times from customer service getting only goddag-yxskaft answers a la "you earn basic point per euro and then you get some extra points depending on your spend".
Anyone who really knows how plussapoints accrual works in detail, please PM me.
Anyone who really knows how plussapoints accrual works in detail, please PM me.
I would never use K again.
Someone please help me to understand why they have to remove your membership if you haven't been to K stores for a while?
Doesn't cost them more to send a letter to customer instead of leaving them along? It's not like i dont like K but S is just closer to where i live and it doesnt mean I wont go to K at some point. Now for sure i would not visit K anymore.
Sep 25, 2018, 9:34 am
#408
Join Date: Aug 2010
Location: Seat 1L these days :)
Programs: AF Platinum/AY LUMO/SK EBG/baEC S/HYATT Globalist/MR LTP/A3 *G/HH Dia/IHG plat
Posts: 7,962
Sep 27, 2018, 5:23 pm
#409
Join Date: Mar 2012
Location: OUL
Posts: 57
There are no longer pages on Finnair's website about Diners Club and Finnish Diners Club website says:
"Et voi enää hakea korttia, joten alla oleva koskee vain sinua, jolla on jo kortti.".
So I guess it is really going away. I really hope they do some other co-brand card with proper point earning rates.
Also. When clearly they already know what they are going to do, why no information to card holders yet???
"Et voi enää hakea korttia, joten alla oleva koskee vain sinua, jolla on jo kortti.".
So I guess it is really going away. I really hope they do some other co-brand card with proper point earning rates.
Also. When clearly they already know what they are going to do, why no information to card holders yet???
Last edited by odo; Sep 27, 2018 at 11:38 pm
Sep 28, 2018, 12:03 am
#410
Join Date: Jun 2014
Location: HEL
Programs: AY+ Gold (OWS)
Posts: 528
I think the first paragraph may be the answer to your second paragraph. They are cooking up an offer for some other card, but the details aren't clear yet so they are unable/unwilling to announce the termination.
Sep 28, 2018, 12:58 am
#411
Join Date: Feb 2001
Location: HEL
Programs: AY Plat Lumo, SK Gold
Posts: 954
Having the co-branded Amex back would be the only option for having as high point earning rates as the DC. Visa and Mastercard have lower provisions for the merchant and the 2 p / 1 e rate SEB offers with the Finnair Plus Mastercard for Plats is already extremely high considering that the merchant pays about 1% provision on the purchases.
Sep 28, 2018, 2:33 am
#412
Join Date: Aug 2010
Location: Seat 1L these days :)
Programs: AF Platinum/AY LUMO/SK EBG/baEC S/HYATT Globalist/MR LTP/A3 *G/HH Dia/IHG plat
Posts: 7,962
A cobrand AX would be welcome, (though I would rather have the cobrand AX with SK 😁
especially with a 241 offer based on spend...
Perhaps a AX Platinum cobrand option...
Wishful thinking
especially with a 241 offer based on spend...Perhaps a AX Platinum cobrand option...
Wishful thinking
Sep 28, 2018, 2:49 am
#413
Join Date: Mar 2012
Location: OUL
Posts: 57
Having the co-branded Amex back would be the only option for having as high point earning rates as the DC. Visa and Mastercard have lower provisions for the merchant and the 2 p / 1 e rate SEB offers with the Finnair Plus Mastercard for Plats is already extremely high considering that the merchant pays about 1% provision on the purchases.
Sep 28, 2018, 6:33 am
#414
Join Date: Jan 2018
Location: HEL
Programs: Drawer of Cards
Posts: 423
An AY cobranded Amex would be great. better acceptance than DC. Honestly i don't really care 1e:2p or 1e:3p(ofc i prefer 1:3), it is the yearly fee that stopping me getting it.
If they could say AY plat will get -50% annual fee i'am totally getting it.
If they could say AY plat will get -50% annual fee i'am totally getting it.
Sep 28, 2018, 12:21 pm
#415
Join Date: May 2014
Location: HEL
Programs: AY+Plat, ALL Plat, Scandic L2
Posts: 3,620
And as somebody already observed, the €/points ratio with the co-branded MasterCard is pretty damn good if you consider that Finnair and the card issuer only get to share 0.3% of the payment. I'm surprised it's not getting discontinued too.
Sep 28, 2018, 8:54 pm
#416
Join Date: Oct 2008
Programs: AY Plat Lumo+LTG, FI Gold, DL Silver, BA, SK, AX Plat, Priority Pass, Marriott Ambassador & others
Posts: 634
No it is not Finland-specific. It is the EU Interchange regulations and the later second Directive on Payment Services, which capped the fee at 0.2% for debit and 0.3% for credit. And I reckon some non-EU countries have imported the regulation into their national legislation as well. But obviously, it ruins the co-branded credit cards - ending the vicious circles of increasing interchange fees to provide increasing kickbacks to buyers was one of the goal of the regulation.
And as somebody already observed, the €/points ratio with the co-branded MasterCard is pretty damn good if you consider that Finnair and the card issuer only get to share 0.3% of the payment. I'm surprised it's not getting discontinued too.
And as somebody already observed, the €/points ratio with the co-branded MasterCard is pretty damn good if you consider that Finnair and the card issuer only get to share 0.3% of the payment. I'm surprised it's not getting discontinued too.
Sep 29, 2018, 7:35 am
#417
Join Date: Mar 2012
Location: OUL
Posts: 57
No it is not Finland-specific. It is the EU Interchange regulations and the later second Directive on Payment Services, which capped the fee at 0.2% for debit and 0.3% for credit. And I reckon some non-EU countries have imported the regulation into their national legislation as well. But obviously, it ruins the co-branded credit cards - ending the vicious circles of increasing interchange fees to provide increasing kickbacks to buyers was one of the goal of the regulation.
And as somebody already observed, the €/points ratio with the co-branded MasterCard is pretty damn good if you consider that Finnair and the card issuer only get to share 0.3% of the payment. I'm surprised it's not getting discontinued too.
And as somebody already observed, the €/points ratio with the co-branded MasterCard is pretty damn good if you consider that Finnair and the card issuer only get to share 0.3% of the payment. I'm surprised it's not getting discontinued too.
And also, this was not Finnair discontinuing their DC co-brand, but SEB pulling out of Diners Club entirely, killing all Diners Club cards in the Nordics.
Sep 29, 2018, 8:00 am
#418
Join Date: Jun 2015
Programs: AY+, SK EB
Posts: 2,962
Also bear in mind Amex and DC are not part of the EU regulation. Nevertheless they needed also to lower their fees because otherwise the difference to MC/Visa is too big.
If a merchant still has over 3% transaction cost for Amex/DC he has a bad deal with his payment provider.
And also, this was not Finnair discontinuing their DC co-brand, but SEB pulling out of Diners Club entirely, killing all Diners Club cards in the Nordics.
Oct 1, 2018, 12:52 pm
#419
Join Date: Aug 2010
Location: Seat 1L these days :)
Programs: AF Platinum/AY LUMO/SK EBG/baEC S/HYATT Globalist/MR LTP/A3 *G/HH Dia/IHG plat
Posts: 7,962
Very odd wording on the DC Fin webpage...
https://dinersclub.fi/yksityiset/uut...lmikuuta-2019/
Seems As if business as usual in Finland? What to make of this
Edit: they are also closing all cards in Finland also they are just merging the banking entity in feb. So come May 31 DC is gone here too. No replacement ideas seem to be be coming
or if they are they werent saying 
https://dinersclub.fi/yksityiset/uut...lmikuuta-2019/
Seems As if business as usual in Finland? What to make of this
Edit: they are also closing all cards in Finland also they are just merging the banking entity in feb. So come May 31 DC is gone here too. No replacement ideas seem to be be coming
or if they are they werent saying
Last edited by kauppias; Oct 2, 2018 at 1:38 am
Oct 2, 2018, 1:48 am
#420
Join Date: Jun 2015
Programs: AY+, SK EB
Posts: 2,962
Just wait and see what happens. Now SEB can negotiate with themself.