SAS EuroBonus World Mastercard
SAS EuroBonus Mastercard is a payment card branded by the SAS airline. It is a standard but straightforward Mastercard credit card that lets you earn SAS EuroBonus points on purchases.
For Finnish customers, the SAS EuroBonus World Mastercard is issued by the Finnish branch of Sweden's SEB bank. The same bank previously issued Diners Club cards, which are no longer available in Finland. EuroBonus points accrue slowly with the SAS Mastercard, because each euro spent earns at most one point. You can use the points to redeem award flights or other rewards directly from SAS or its partners.
SAS EuroBonus World Mastercard Features
Price
The SAS EuroBonus World Mastercard costs 55 euros per year, which is a high annual fee for what the card offers. Although certain premium cards, such as American Express Platinum, cost far more than the SAS Mastercard, they also include many more valuable benefits.
Interest-Free Grace Period
The SAS EuroBonus Mastercard offers a 30-day interest-free grace period. This is typical of most credit cards. There is no billing fee, so the grace period is genuinely interest-free. After the grace period, interest accrues at 9 percent + the 3-month Euribor.
Credit Limit
You can get a credit limit of up to 8,000 euros. The minimum is 1,000 euros.
Earning Points
With the SAS EuroBonus World Mastercard, you earn one EuroBonus point per euro spent. Among others, with the Finnair Plus Visa Card you earn two points.
The value of a single SAS EuroBonus point varies by use. For flight awards, one point is worth about 1 cent. That means the card’s theoretical return is only 1 per cent. With optimal redemptions, however, you can get considerably more value from the points.
Travel Insurance
The SAS EuroBonus World Mastercard includes worldwide travel insurance issued by the Tryg insurance company. The insurance covers sudden accidents and illnesses, baggage, and trip cancellation and delay. In Finland, it is valid only for trips of at least 50 kilometres as the crow flies from the insured person’s home, workplace, place of study, or holiday home.
The insurance is valid on international trips when the cardholder has paid 100% of the trip price or car rental costs with the card. The insured parties also include the cardholder's spouse/partner and/or the insured person's children, and the spouse's/partner's accompanying children.
We do not recommend travelling solely with the SAS EuroBonus Mastercard’s travel insurance.
The maximum compensation amounts are low, and the requirement to pay all travel costs with the card is too strict. If even a small part of the costs is paid in another way, there remains doubt whether the travel insurance is valid at all. For this reason, you should always purchase separate travel insurance for international trips.Read more about travel insurance on Finnoy Travel's website.
Other Benefits
There are no significant other benefits with the SAS EuroBonus World Mastercard. It has its own app, like almost every credit card. With the app, you can review transactions made with the card and see your other account details.
Other Fees
ATM withdrawals with the SAS EuroBonus World Mastercard are expensive. A withdrawal costs 2 euros and 2.5 per cent of the amount withdrawn.
Currency conversions are not cheap either. On top of Mastercard’s wholesale rates, you pay 2 per cent.
See the price list.
Who Can Get The SAS EuroBonus Mastercard?
You can apply for the SAS EuroBonus World Mastercard if your annual income is at least 25,000 euros and you are at least 19 years old. SEB Bank likely also requires a clean credit history.
Experiences With The Card
We did not apply for the SAS EuroBonus World Mastercard ourselves because its features were limited. However, we tested the application form on SEB's website, which asked the usual questions for a credit card application. You needed to provide, among other things, your family and employment situations, as well as your annual income. Identification was required with Finnish online banking credentials. It was surprising that the form also asked for details about the card’s intended use and whether you planned to use it abroad.
We searched online for experiences with the SAS EuroBonus World Mastercard but found very few. From that, one can infer that the card is relatively unknown in Finland and has received little marketing here. Given the high annual fee and the limited features, marketing it in Finland would hardly be worthwhile. There are many better free credit cards on the market, such as those from Bank Norwegian or Morrow Bank.
Review
The SAS EuroBonus World Mastercard is a feature-light and overpriced EuroBonus-branded credit card.
Is The Card Worth Getting?
The answer is simple: No. The card offers little added value for the average user compared with standard bank credit cards. You might get a small benefit if you concentrate your flying with SAS, but that isn't easy because SAS has only a few routes from Helsinki. We recommend looking at the Finnair Plus Visa Card or other Cashback Cards.
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