New AY Visa Credit card with Aktia
Jun 9, 2022, 4:10 am
#61
Join Date: Feb 2001
Location: HEL
Programs: AY Plat Lumo, SK Gold
Posts: 954
1. From banking fees that you pay in any case if you have a bank account. You pay them and the Aktia card fees on top, or you pay just the banking fees and use a card that is included for free.
2. Check e.g. Danske Bank Mastercard Platinum that has 0.5% cashback and PP, and is included in their premium package. I'm not entirely sure how "premium" this Aktia card is so whether my comparison is entirely valid in that sense. Just my thoughts and two cents. Still, I think justifying Finnair Plus award points over direct cashback is a bit difficult, though spending amounts and such do matter as you point out.
2. Check e.g. Danske Bank Mastercard Platinum that has 0.5% cashback and PP, and is included in their premium package. I'm not entirely sure how "premium" this Aktia card is so whether my comparison is entirely valid in that sense. Just my thoughts and two cents. Still, I think justifying Finnair Plus award points over direct cashback is a bit difficult, though spending amounts and such do matter as you point out.
The Danske Premium package costs 12,50 e/month, so compared to the Aktia card you would pay 6,50 e/month more, i.e. 78 e annually. A bit steep for two Priority Pass lounge visits.
Cash is king, but I do consider 3 AY+ points far more valuable than 0,005 e (that you would get as cashback from the Danske card for each euro spent). Edit: and later I read that this Danske cashback is not true cashback like in S-Bank, but you can just use it to pay for your banking fees.
Last edited by r2d2; Jun 9, 2022 at 4:15 am
Jun 9, 2022, 4:17 am
#62
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
😀
Jun 9, 2022, 4:18 am
#63
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
Jun 9, 2022, 4:30 am
#64
Ambassador: Finnair
Join Date: May 2003
Location: HEL
Programs: AY Lumo, BA Silver, HHonors Gold
Posts: 4,270
1. From banking fees that you pay in any case if you have a bank account. You pay them and the Aktia card fees on top, or you pay just the banking fees and use a card that is included for free.
2. Check e.g. Danske Bank Mastercard Platinum that has 0.5% cashback and PP, and is included in their premium package. I'm not entirely sure how "premium" this Aktia card is so whether my comparison is entirely valid in that sense. Just my thoughts and two cents. Still, I think justifying Finnair Plus award points over direct cashback is a bit difficult, though spending amounts and such do matter as you point out.
2. Check e.g. Danske Bank Mastercard Platinum that has 0.5% cashback and PP, and is included in their premium package. I'm not entirely sure how "premium" this Aktia card is so whether my comparison is entirely valid in that sense. Just my thoughts and two cents. Still, I think justifying Finnair Plus award points over direct cashback is a bit difficult, though spending amounts and such do matter as you point out.
Anyway, the only real comparison here is the SEB MC and against that this new card is a no-brainer so sent in the application as well, it said ”card coming in 2 weeks so we’ll see).
The Visa App doesn’t work yet, even they asked to download it..
Jun 9, 2022, 7:51 am
#65
Join Date: Aug 2019
Programs: AY+ Lumo, HH Diamond
Posts: 503
At least I don't pay any banking fees (except my SEB AY+ Mastercard), I just use the free S-Bank account.
The Danske Premium package costs 12,50 e/month, so compared to the Aktia card you would pay 6,50 e/month more, i.e. 78 e annually. A bit steep for two Priority Pass lounge visits.
Cash is king, but I do consider 3 AY+ points far more valuable than 0,005 e (that you would get as cashback from the Danske card for each euro spent). Edit: and later I read that this Danske cashback is not true cashback like in S-Bank, but you can just use it to pay for your banking fees.
The Danske Premium package costs 12,50 e/month, so compared to the Aktia card you would pay 6,50 e/month more, i.e. 78 e annually. A bit steep for two Priority Pass lounge visits.
Cash is king, but I do consider 3 AY+ points far more valuable than 0,005 e (that you would get as cashback from the Danske card for each euro spent). Edit: and later I read that this Danske cashback is not true cashback like in S-Bank, but you can just use it to pay for your banking fees.
Jun 9, 2022, 1:20 pm
#66
FlyerTalk Evangelist
Join Date: Jan 2008
Location: HEL
Programs: lots of shiny metal cards
Posts: 14,107
I don't get it - if you're Basic member, you get 2,5p/€, Silver or above 3p/€. But if you're Basic, you'll get upgraded to Silver with the new card, so it's 3p/€ for all, isn't it?
Jun 9, 2022, 1:25 pm
#67
Ambassador: Finnair
Join Date: May 2003
Location: HEL
Programs: AY Lumo, BA Silver, HHonors Gold
Posts: 4,270
Wasn’t the Silver comped for the first year for AY Basic applicants so some/most will drop back to 2,5p/€ later?
Jun 9, 2022, 1:25 pm
#68
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
its a beginning promo, I would sssume not long stading offer, and you get silver after 3months of spending 500€+
Jun 10, 2022, 11:42 am
#70
Join Date: Jun 2015
Programs: AY+, SK EB
Posts: 2,962
Jun 10, 2022, 12:19 pm
#71
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
Jun 10, 2022, 2:23 pm
#72
Join Date: Nov 2013
Location: HEL
Programs: AY, SK, TK
Posts: 7,602
Jun 11, 2022, 10:59 am
#73
FlyerTalk Evangelist
Join Date: Jan 2008
Location: HEL
Programs: lots of shiny metal cards
Posts: 14,107
The online application failed, even though I allowed access to my bank account - "can't determine this or that" "please upload latest payslip". I did and never heard back from Aktia. The clock is ticking, let's see if anything comes out of this.
Jun 11, 2022, 11:13 am
#74
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
Perhaps the person who manually checks these is on their summer vacation 😁😁
Jun 11, 2022, 1:11 pm
#75
Join Date: Feb 2001
Location: HEL
Programs: AY Plat Lumo, SK Gold
Posts: 954