Stockmann Mastercard and MyStockmann Loyal Customer membership benefits

Stockmann Mastercard is an international charge and credit card, which also gives you access to the MyStockmann loyalty programme benefits. As a MyStockmann customer, you can easily apply for an annual fee free Stockmann Mastercard with your bank’s banking codes online.

Stockmann Mastercard opens up a world of benefits and services for you. You will be rewarded with 50 MyStockmann points when opening a Stockmann Mastercard credit. You get more points when you pay with Stockmann Mastercard. For purchases made at Stockmann 1 € = 1 point. Moreover, for purchases made at Stockmann or elsewhere with the credit 1 € = 0,5 points. 

You get an immediate card payment benefit, a discount of 0,5% on almost every purchase at Stockmann when you pay with Stockmann Mastercard. 

Read more about MyStockmann-benefits here.

Stockmann Mastercard is an international charge and credit card with a continuous credit facility which is valid until further notice and has a credit limit between 1,500 and 10,000 euros. The annual percentage rate (APR) for an outstanding credit balance of 1,500 euros is 22.5 % and the estimated total cost of the credit is 1672 euros when the credit interest rate is the variable 3-month Euribor rate (2.32 % in April 2025) + 12.5 % (meaning a total interest rate of 14.8 % in April 2025), the monthly account management fee is 4 euros and the credit is repaid in 12 instalments (139,3 euros) once a month. The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Stockmann MasterCard benefits

  • No opening or annual fees.
  • The credit interest rate is 12.5%.
  • Choose a credit limit between 1,500 and 10,000 euros (up to 25,000 in some cases).
  • Mastercard is accepted in Finland and abroad in over 200 countries and about 35 million sales outlets.
  • If you have an account with Nordea, you may choose to have a combination card and also make purchases and cash withdrawals directly from your bank account (Debit) in Finland and abroad.
  • The credit interest is 12.5 % + 3-month Euribor. The account management fee is 4 euros per month is charged if you have outstanding credit balance. The annual percentage rate of charge calculated on 1,500 euros of outstanding credit is 22.2 % (9/2024).

OmaLuotto service

  • The OmaLuotto service is always available so you can manage your Stockmann Mastercard whenever it suits you.
  • You can activate the OmaLuotto service using your bank’s online banking codes.
  • You can transfer money from your credit account to your bank account.
  • You can select two instalment-free months, change a due date or reduce your monthly repayment amount (change the instalment percentage).

Accepted everywhere

  • With Stockmann Mastercard, you can pay your purchases with the contactless payment feature at Stockmann or at a holiday resort on the other side of the world, as the card is accepted as a means of payment in more than 35 million sales outlets worldwide.
  • The card enables you to pay your purchases securely in online shops, and combined with the Apple Pay or Google Pay app, you can use it to make payments easily with your smartphone.
  • New contactless payment solutions also enable Stockmann Mastercard purchases with a ring or keyfob, for example. Read more about contactless payments. 

Secure online payments

Stockmann Mastercard is an easy way to pay your purchases not only at Stockmann.com but in all other online stores that accept Mastercard.

Regardless of who you bank with, you can provide strong authentication with the new Nordea ID app when you pay with Stockmann Mastercard.

If you don’t have the Nordea ID app yet, read more about it here.

Terms and conditions
Tariff for credit opened as of 1 September 2019
Tariff for credit opened before 1 September 2019

Tariff for credit opened as of 1 September 2019

Tariff for credit opened as of 1 September 2019
Stockmann Mastercard annual fee0,00 €
Parallel card
0,00 €
Mastercard queries in Netbank, Mobile Bank and in OmaLuotto-service per month0,00 €
Mastercard queries by phone 
0,33 €
Service fee for an express order of Mastercard 
10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query 
1,50 € 
Balance query at an ATM 
0,60 €
Reorder of card PIN (delivery by post)*   
7,00 €
Checking card PIN in Netbank
0,00 €
Change of credit limit
0,00 €
Transfer from credit card
Interest-bearing as of the transfer date 
Printed credit card invoice/per invoice
3,00 € 
Bill payment from card credit facility at Nordea's payment ATM
Interest-bearing as of the payment date 
Change or renewal of card during its validity
10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control 
 0,00 €
Finder’s fee
0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Cash withdrawals from bank account in Finland at a branch 
0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

0,00 €

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal
0,60 €
Cash withdrawals from card credit in Finland at ATMs per withdrawal
Interest-bearing as of the drawdown date 

Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month.

0,00 €

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal

0,60 €

Cash withdrawals in euros from credit account at branches in the EEA Member States

Interest-bearing as of the drawdown date  

Cash withdrawals in euros from bank account in the EEA Member States 

2,00 € + 3 %

Cash withdrawals in currencies other than the euro from credit account at branches and/or ATMs in the EEA Member States and outside the EEA

Interest-bearing as of the drawdown date  

Cash withdrawals in currencies other than the euro from bank account at branches and/or ATMs in the EEA Member States and outside the EEA  

2,00 € + 3 %

Cash withdrawals with Nordea Bank Oyj’s international cards in currencies other than the euro at branches and/or ATMs in EEA Member States and outside the EEA.

  

2,00 € + 3 %

Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark

0,00 €
The fee related to account maintenance/per month when the transactions on the invoice are not paid out in full on the invoice due date. 4,00 €
Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro2,25 %

*When you make a purchase or withdraw cash in a currency other than the euro, an exchange rate set by Mastercard or Visa plus an additional currency conversion fee subject to our tariff will be applied to the transaction. 

*Stockmann Mastercard is an international charge and credit card with a continuous credit facility which is valid until further notice and has a credit limit between 1,500 and 10,000 euros. The annual percentage rate (APR) for an outstanding credit balance of 2,000 euros is 22.2% and the estimated total cost of the credit is 2,225.20 euros when the credit interest rate is the variable 3-month Euribor rate (3.5% in September 2024) + 12.5% (meaning a total interest rate of 16% in September 2024), the monthly account management fee is 4 euros and the credit is repaid in 12 instalments (185.50 euros) once a month. The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

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