Buy Finnair Plus Avios Offer in Mar 2025

Buy Finnair Avios at a discount to save on Business/First Class flights.

Current promotion to buy Finnair Avios

There is no offer to purchase Finnair Avios at the moment, and the next one is expected in March 2025.

However, if you need Finnair Avios urgently, you may still purchase them for 2.1 cents (EUR) each.

Things to note about Finnair Avios

• Finnair belongs in the oneworld alliance
• Finnair Plus calls its miles/points currency Avios
• Avios can be transferred for free, as many times as you want, at a 1:1 ratio, between great Frequent Flyer Programs (FFPs) like:
  • Finnair Plus
  • Qatar Airways Privilege Club
  • British Airways Executive Club
• Finnair Avios can be used to redeem for flights on airlines like:
  • Finnair
  • Qatar Airways
  • Cathay Pacific
  • Japan Airlines
  • Malaysia Airlines
  • Qantas
• To book non-Finnair flights, contact Finnair through the live chat or phone
• Finnair Plus members can usually buy Avios for 2.1 cents (EUR) each*, before any bonuses or discounts
• Avios do not expire, as long as there is account activity at least once every 36 months (3 years)
• Finnair Plus members can purchase up to 200,000 Avios per calendar year, before any bonuses
• Finnair Plus passes on fuel surcharges (if any) on award tickets

^{*When purchasing at least 100,000 Avios (pre-bonus). Purchasing 99,000 Avios or fewer (pre-bonus) comes with a slightly-higher price of 2.2 cents per Avios.}

Previous Finnair Avios offers

Here’s a quick look at the recent history of Finnair Avios sales:

Is this a good deal to buy Finnair Avios?

Historically, the best Finnair Avios sales are those labelled “50% discount”.

Due to competitive Economy Class air fares, I only recommend buying Frequent Flyer miles and points for Business or First Class flights.

The usual rule-of-thumb applies: ONLY buy miles/points if you have plans to use them in the near future.

Best ways to redeem Finnair Avios

Award bookings can be made via any FFP that uses Avios as its miles currency:

• finnair.com (Finnair Plus)
• qatarairways.com (Qatar Airways Privilege Club)
• ba.com (British Airways Executive Club)

However, keep in mind that each FFP may impose different award rates and taxes/fees on a similar route.

Best credit cards for buying Finnair Avios

Singapore-based readers may use one of the following cards to receive maximum rewards/savings when buying Finnair Avios in a foreign currency.

^{Note: Miles/Points purchases are processed by points.com, which falls under MCC 7399 (Business Services Not Elsewhere Classified). This is NOT a travel-related spending, and should get you bonus miles/cashback with Citi cards.}

💡 Click on the + Card Summary buttons below to view the key details of each card.

Chocolate Card

Earn 2 mpd on almost everything, no FX fees

Apply

🎁 Sign-up bonusNo sign-up bonus for the Chocolate Card at the moment, but get up to 250 miles when you sign up for a HeyMax account using the link below.

+ Card Summary

More information on the

Chocolate Finance Visa Card

Suitesmile rating:

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✍️ Short summary
In collaboration with HeyMax, this card gives you an earn rate of 2 miles per dollar on almost everything, up to $1,000 per calendar month. Cardholders also enjoy great foreign exchange rates and no foreign currency fees. Transactions beyond $1,000 per month earn 0.4 mpd.

As a Debit card, it has no income requirement, making it perfect for students (above 18 yrs) and retirees who are looking to accumulate miles. This card also does not have an annual fee.

This is a great card for all foreign currency spending, as well as transactions that are commonly-excluded from earning miles/cashback on other cards. This includes:

• AXS bill payments (except credit card bills)
• Insurance
• Hospitals
• Utilities
• Public Transport
• School Fees

Link to HeyMax: To earn miles on the Chocolate Card, you need to sign up for a free HeyMax account and link your card to your HeyMax account (in the HeyMax app or website).

Limitations of the Chocolate Card: As this is a Debit card, all spending on the card will be deducted directly from your Chocolate Account balance. Yes, you need to have sufficient money in your account before spending on the card. There are transaction limits of S$5k per transaction, S$20k per day. The Chocolate Card is protected by Visa’s Zero Liability Policy, which guarantees that you won’t be held responsible for unauthorized charges made with your card or card details. For better peace of mind, you may freeze the Chocolate Card in the app when not using.

Having no annual fee, no income requirement, no foreign currency fee, no transfer fee and miles that never expire makes this a great card for miles chasers in Singapore; but only those who are aware of the benefits of Frequent Flyer Programs other than KrisFlyer.

Due to the low earn rate, this is not a good card for SGD spending on common categories like dining, groceries, online shopping, food delivery etc.

Read our detailed article on the Chocolate Card.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
No income requirement

🤑 Foreign currency fee
No foreign currency fee

⏰ Miles expiry
Max miles don’t expire

🫱‍🫲 Transfer partners
Executive Club, Aeroplan, Accor, Hyatt and more!
^{(Note: Max miles cannot be transferred to KrisFlyer)}

💯 Transfer ratio
1 Max mile = 1 mile/point

🧮 Transfer block
1,000 miles or 10,000 miles

💲Transfer fee
Free

❓How/When miles are credited
Miles are credited immediately when the transaction is posted.

📜 Chocolate Card FAQs

Citi Rewards

Earn 4 mpd on online spending

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

Citi Rewards Mastercard

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on online spending, up to $1,000 per statement month. This covers a wide range of spending categories like online shopping, ride-hailing, food delivery and even phone/internet bills.

Cardholders can also earn 4 mpd on in-person shopping at stores that sell shoes and bags and clothes as their main business activity.

Take note that cardholders will only earn 0.4 mpd on travel-related categories (e.g. flights and hotels) and spending above $1,000 per statement month.

Having many transfer partners and up to 5-year expiry term gives you fantastic flexibility. However, take note that your points’ expiry term starts from the date the card is opened (i.e. not from the transaction date).

Pro tip: Link this card to the Amaze card to also earn 4 mpd on in-person spending like dining, groceries and shopping. This pairing turns all your offline transactions “online” (to earn 4 mpd) and lowers your foreign currency charges. But take note that SGD transactions through Amaze will incur a 1% fee (min. 50 cents).

View our complete review of the Citi Rewards Card.

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💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)

⏰ Points expiry
Every 5 years from card opening date (+3 months grace period)

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
$27.25 per transfer

🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for online spending (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Citi SMRT

Get 5% cashback on online spending, groceries, transportation

Apply

🎁 Sign-up bonus

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Citi SMRT Visa Card

Suitesmile rating:

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✍️ Short summary
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of $500 per statement month.

Cashback is capped at $600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on $12,000 worth of eligible spending, making this card fantastic for large purchases!

Get just 0.3% cashback for all other spending categories.

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💸 Annual fee
$196.20
(First 2 years waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. $10).

📜 Terms & conditions

UOB Visa Signature

Earn 4 mpd on foreign currency, contactless spending

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

UOB Visa Signature Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on foreign currency (online or offline) and/or contactless spending. This covers most spending categories like dining, groceries, flights, hotels, retail shopping, food delivery and ride-hailing.

A minimum spending of $1,000 per statement month is required, with a $2,000 cap during the same period.

Take note that cardholders will only earn 0.4 mpd on other categories and spending below $1,000 and above $2,000 per statement month.

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💸 Annual fee
$218
(First year waived)

💼 Income requirement
$50,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲Transfer fee
$25 per transfer

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

❓How/When points are credited
Earn 1 base UNI$ per $5 dollar spent, plus 9 bonus UNI$ for eligible online and mobile contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Trust Cashback

1% cashback, no FX fees, free overseas ATM withdrawals

Apply

🎁 Sign-up bonusUse code V1WB7T8A during the application to get a $10 NTUC FairPrice e-voucher.

A one-time spend (any amount) is required. Pro Tip: Adding this card to your Grab app would trigger as first spend, due to the verification hold.

+ Card Summary

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Trust Cashback Visa Card

Suitesmile rating:

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✍️ Short summary
This card gives you unlimited 1% cashback, great foreign exchange rates and no foreign currency fees; and it does not come with an annual fee!

The existence of this card also means that the opportunity cost of using Miles cards for foreign currency spending is now over 4%, as those cards come with around 3.25% in FX fees, and no 1% cashback.

To avoid interest charges on overseas ATM cash withdrawals, follow these easy steps:

1. Apply for the Trust card with code V1WB7T8A
2. Apply for a Trust Savings Account through the Trust app (instant approval). There is no minimum balance, monthly fee or lock-in period to worry about!
3. Deposit enough money into your Trust Savings Account
4. When withdrawing cash from an overseas ATM, be sure to select Savings Account on the ATM screen (i.e. not Current, not Credit Card), and of course, never let the ATM do any currency conversion for you, as the markups are insane

The card also has a highly-complicated and misleading benefit, claiming to offer “up to 15% cashback” on your chosen spending category:

• Dining (e.g. restaurants, bakeries, food deliveries)
• Shopping (e.g. department, clothing, watch stores)
• Travel (e.g. airlines, hotels, travel agencies)
• Wellness (e.g. beauty shops, spas, gyms, pharmacies)
• Transport (e.g. ride-hailing, car rental, petrol)
• Entertainment (e.g. bars, movies, streaming services)

Why misleading? The cashback cap is a lot lower than the minimum spending requirement. Examples here.

To summarize the cashback mechanics:

To receive “15% cashback” on the chosen category, one would need to spend at least $2,000 per month, for 3 consecutive months in a quarter (total of at least $6,000). The cardholder would then be credited with $250 in cashback; that is, IF he/she had spent an average of at least $555 per month, on the chosen category.

This also means that, to unlock the “15% cashback” on $555 worth of spending, one would need to spend $1,445 per month on other things, and only earn 1% cashback on them. So, there’s a huge opportunity cost of not using other superior cards on this amount.

Essentially, this card gives you an effective cashback amount of around 4 to 4.9% on your preferred category, when spending $1,000 or $2,000 per month, for 3 consecutive months in a quarter, far lower than the advertised amount.

Cardholders can choose their preferred bonus category in the Trust mobile app.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
No foreign currency fee

📜 Terms & conditions

Citi PremierMiles

Earn 1.2 mpd on local spend, 2.2 mpd on foreign currency

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

Citi PremierMiles Mastercard

Suitesmile rating:

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✍️ Short summary
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2.2 miles per dollar on foreign currency spending.

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

Having many transfer partners and miles that do not expire gives you fantastic flexibility. Because of these 2 key factors, I recommend using this card over other General Spending cards with similar earn rates.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per calendar year! For example, if you apply for the card in March this year, you will get 2 free visits for the current year, plus 2 more free visits from 1 January the following year.

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💸 Annual fee
$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
2 free visits per calendar year via Priority Pass

⏰ Points expiry
Miles earned on this card do not expire!

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
1 Citi mile = 1 mile

🧮 Transfer block
10,000 miles

💲 Transfer fee
$27.25 per transfer

🤗 Points/Miles pooling
Miles from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.

📜 Terms & conditions

Maybank World

Earn uncapped 2.8 – 3.2 mpd on foreign currency spending

Apply

🎁 Sign-up bonus

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Maybank World Mastercard

Suitesmile rating:

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✍️ Short summary
Earn uncapped 2.8 miles per dollar on foreign currency spending, when you spend at least $800 per calendar month on the card (in any currency).

Earn uncapped 3.2 miles per dollar on foreign currency spending, when you spend at least $4,000 per calendar month on the card (in any currency).

Cardholders can also earn uncapped 4 miles per dollar on fuel spending. Given the high amount of cashback (over 20%) that you can get with other cards, this card is best used at Sinopec fuel stations, where all members get between 20% to 23% fuel discounts, regardless of the type of card used.

On top of that cardholders can also receive 4 mpd on non-fuel purchases at the fuel station.

Cardholders also get 4 mpd at selected merchants.

All other transactions earn just 0.4 mpd.

Miles/Points earned on this card are pretty flexible, as they do not expire. Holding other Maybank cards? Having this card will also remove the expiry term of miles/points earned on all your other Maybank cards!

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💸 Annual fee
$261.60
(First year waived)

💼 Income requirement
$80,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
Points earned on this card never expire!

🫱‍🫲 Transfer partners
Krisflyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
KrisFlyer: 12,500 points (5,000 miles)
Asia Miles: 5,000 (2,000 miles)
Enrich: 2,500 (1,000 miles)

💲Transfer fee
No transfer fee!

🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.

❓How points are credited
Earn 5 base point per $5 dollar spent, plus 45 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Maybank Horizon

Earn 2.8 mpd on flights and foreign currency spending

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

Maybank Horizon Visa Signature Card

Suitesmile rating:

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✍️ Short summary
Cardholders can receive an uncapped earn rate of 2.8 miles per dollar on foreign currency transactions, when spending at least $800 per calendar month.

On top of that, cardholders can also receive 2.8 miles per dollar on flight bookings, when spending at least $800 per calendar month. However, this bonus earn rate is capped at $10,000 per calendar month.

Other whitelisted transactions in SGD earn 1.2 mpd, and non-whitelisted ones just 0.24 mpd.

Miles earned on this card expire after just 1 year, and can only be transferred to 3 Frequent Flyer Programs. Because of its poor flexibility and minimum spending requirement, I recommend using this card only for school fees in foreign currency and more-expensive flight bookings in Singapore Dollars.

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💸 Annual fee
$196.20
(First 3 years waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
1 year from transaction

🫱‍🫲 Transfer partners
Krisflyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer blocks
KrisFlyer: 12,500 points (5,000 miles)
Asia Miles: 5,000 (2,000 miles)
Enrich: 2,500 (1,000 miles)

💲Transfer fee
$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.

❓How points are credited
Earn 5 base point per $5 dollar spent, plus 45 bonus points for eligible online transactions (equivalent to 3.2 mpd in total).

📜 Terms & conditions

Buy miles and points from other loyalty programs

Click here to buy miles and points from other loyalty programs like Marriott Bonvoy and World of Hyatt.