Card payment cashback and payment methods

What is card payment cashback?

Card payment cashback is a co-op member benefit. You earn 0.5% on purchases you make at S Group locations in Finland when you pay with your S-Etukortti card.

Your purchases earn both Bonus and card payment cashback when you pay with S-Etukortti.

How card payment cashback accumulates:

• With all S-Etukortti payment features – pay from your bank account or with credit

• With all S-Etukortti cards belonging to the same household

What earns card payment cashback:

• Generally the entire purchase total

• At S Group car dealerships: servicing, spare parts and accessories (not car purchases)

• At S-Rautamarket: all purchases that also earn Bonus

What does NOT earn card payment cashback:

• Tobacco or alcohol purchases

• Intermediary products such as lottery tickets

• S Group locations outside Finland

• Partners outside S Group

How to track and receive card payment cashback:

Accumulated card payment cashback shows in S-mobiili and the online service.

You receive the card payment cashback accumulated from your household's monthly purchases together with Bonus payment to the main member's account at S-Bank.

How can I earn card payment cashback when I want to save my Bonus?

You can open a second account at S-Bank alongside your benefits payment account. This way you save your Bonus and card payment cashback to your benefits payment account and make daily purchases from another account.

Here's how it works:

1. Link your S-Etukortti Visa card with payment feature to another S-Bank account

2. Bonus and card payment cashback accumulate in your benefits payment account

3. Pay daily purchases from your other account

Transferring money to the account:

S-Tili Account at S-Bank is a regular bank account. You can transfer money to the account by bank transfer using the account number.

You can get your account number from:

• Online banking

• Service and bank point (most Prisma and Sokos stores, selected S-market stores)

Remember:

Card payment cashback accumulates from purchases paid with S-Etukortti at S Group locations in Finland. The benefit accumulates from purchases paid both from bank account and credit account.

Learn about S-Bank accounts

Can I pay with mobile payment at S Group?

Yes you can. S Group accepts all mobile payments that have a general payment card behind them.

Payment methods you can use:

• ABC-mobiili

• Google Pay

• Apple Pay

• Phone or smartwatch payment app

• Separate payment sticker

Earning Bonus with mobile:

• S-Etukortti on your phone (Apple Wallet, Android NFC, or barcode)

• ABC-mobiili