Plussa-kortti (K-Group Plus Card)

The loyalty card of K-Group, Finland's second-largest retail chain, earning points on purchases across K-Group stores.

What it means

Plussa-kortti is the loyalty card for K-Group (Kesko), which operates K-Market, K-Supermarket, K-Citymarket (grocery), K-Rauta (hardware), Intersport, and Budget Sport. Members earn Plussa points on purchases, which can be redeemed for discounts or cashback. Unlike S-Group's cooperative model, K-Group's loyalty program is free to join — there is no membership share. Points are earned at a base rate with additional bonus points through weekly personalized offers. The K-Ruoka app provides digital coupons, shopping lists, and tracks your points balance.

Why it matters for internationals

If K-Group stores are conveniently located near your home or workplace, the Plussa-kortti is worth getting since it is free and immediate. The personalized offers through the K-Ruoka app can provide significant savings on groceries. Many internationals end up with both S-Etukortti and Plussa-kortti, shopping at whichever chain is more convenient. The K-Ruoka app also offers recipes and weekly deals, which can help newcomers discover Finnish food products and plan meals.

Key details

• •Cost: Free to join, no membership fee or deposit

• •Points system: Earn Plussa points on purchases; points convert to euros for discounts

• •Weekly offers: Personalized discounts based on your shopping habits via the K-Ruoka app

• •Coverage: K-Market, K-Supermarket, K-Citymarket, K-Rauta, Intersport, and partner stores

• •Digital card: Available in the K-Ruoka app; physical card also available at any K-store

Related terms

• •S-etukortti — S-Group's competing loyalty program

• •Ruokakauppa — grocery stores in Finland