Finnair Plus selling Avios with up to 50% bonus

In March 2024, Finnair adopted Avios as the loyalty currency for its Finnair Plus frequent flyer programme, joining the “currency union” of British Airways, Qatar Airways, Iberia, Aer Lingus, Loganair and Vueling.

Members can move Avios instantly between these programmes at a 1:1 ratio, with no fees. This makes it possible to buy miles with one programme to redeem for sweet spots or unique partners in another.

On that note, Finnair is now selling Avios with up to a 50% bonus, which reduces the cost to 1.8 cents each, provided you change your purchasing currency to JPY. That makes it marginally cheaper than the ongoing Citi PayAll deal, depending on what card type you have.

Buy Finnair Avios with up to 50% bonus

Buy Finnair Avios

From now until 6 October 2026, 4.59 a.m SGT, Finnair Plus members can purchase Avios with a bonus of up to 50%.

By default, the pricing is shown in Euros, but you can actually obtain a lower price by changing the currency to JPY (h/t: Che). To do this, toggle the currency selector at the top of the screen.

Here’s how the cost per Avios changes with purchase quantity.

In case you’re wondering why similar bonus figures can result in different cost per Avios, that’s because there are two independent step functions at play here:

• The bonus awarded jumps at 7,000, 25,000, 55,000 and 90,000 Avios
• The underlying “raw” price per Avios jumps at 1,000, 6,000, 11,000 and 100,000 Avios

The two schedules don’t line up, which results in a situation where the 50% bonus starts at 90,000 Avios, but the lowest possible cost starts at 100,000 Avios.

With this sale, you can buy Avios at 2.22 JPY each, or 1.80 SG cents.

This sale is only available to Finnair Plus members who:

• Joined the Finnair Plus programme prior to 18 September 2026, and
• Have a minimum of 50 Avios in their Finnair Plus account

Don’t worry too much about the second criteria though, because you can simply transfer Avios from your British Airways account to satisfy the requirement instantly.

A maximum of 200,000 Finnair Avios (pre-bonus) can be purchased per calendar year, and purchases will be credited within 1-3 days. 

Citi PayAll alternative

Citi PayAll

From 1 September to 31 December 2026, Citi PayAll is offering a rebate of 0.3% or 0.6% to cardmembers who make at least S$6,000 in cumulative bill payments, according to the table below.

Here’s how the promotion affects the cost per mile across the four eligible Citi cards.

Card	Earn Rate	Cost Per Mile
		2.3% fee Regular	2.0% fee CPC & AI
Citi ULTIMA	1.6 mpd	1.44¢	1.25¢
Citi Prestige Apply	1.3 mpd	1.77¢	1.54¢
Citi PremierMiles Apply	1.2 mpd	1.92¢	N/A
Citi Rewards Apply	0.4 mpd	5.75¢	N/A

The cheapest possible cost per mile under this promotion is 1.25 cents, assuming you have a Citi ULTIMA Card and qualify for the CPC & AI promotion.

However, that will be a very limited group of people, and the more realistic cost per mile starts from 1.77 cents for a Citi Prestige cardmember, and 1.92 cents for a Citi PremierMiles cardmember.

Citi Miles and ThankYou points can be converted to Qatar Airways Avios, which in turn can be converted into Finnair Avios at a 1:1 ratio. Therefore, this could be a cheaper way of generating Avios, depending on which card you have (and assuming you have S$6,000 worth of payments to make).

The full details of this sale can be found here.

Citi PayAll offering 0.3% fee rebate for the rest of 2026

What can you redeem with Avios?

Finnair Plus is relatively less well-known in Singapore, compared to British Airways Club or Qatar Privilege Club, but it still offers some nice sweet spots of its own:

Finnair’s award charts can be found here. 

As mentioned, Finnair Avios can also be instantly converted at a 1:1 ratio to other “flavours” of Avios, which opens up the following redemption possibilities. 

The flights operated by Qatar Airways probably aren’t the best choices in the world right now given the situation in the Middle East, but there are plenty of other options which avoid that region altogether. 

All Avios transfers to or from Finnair must be rooted through the “hub” of British Airways Executive Club. For example, if you want to transfer Qatar Avios to Finnair Avios, you would first transfer Qatar to British Airways, then British Airways to Finnair.

I personally redeemed Qatar Avios for a Cathay Pacific flight to Hong Kong, in order to review the new Aria Suites. This cost 22,000 Avios + S$60 in taxes, cheaper than the 28,000 miles + S$88 in taxes I’d have paid if redeeming the same flight through Asia Miles!

Another good value redemption I managed to snag was Singapore to Helsinki on Finnair Business Class for just 62,500 Avios, which allowed me to finally try the famous AirLounge seat.

When do Finnair Avios expire?

Finnair Avios do not expire so long as you earn or redeem at least one Avios every 18 months. 

Do note that transferring Avios from one programme to another does not count as activity and does not affect the expiry date.

What credit card should I use to buy Finnair Plus Avios?

Finnair does not process miles purchases directly, so they won’t code as airline spend. Instead, miles purchases are processed through Points.com in USD under MCC 7399 (Business Services Not Elsewhere Classified).

Here are the best cards to maximise miles on this purchase. 

Card	Earn Rate	Remarks
Citi Rewards Card Apply	4 mpd	Max. S$1K per s. month
DCS Imperium Card Apply	4 mpd	Min. S$4K FCY spend per c. month, otherwise 2.4 mpd
Maybank XL Rewards Apply	4 mpd	Min. S$500 per c. month, max. S$1K per c. month
UOB Visa Signature Apply	4 mpd	Min. S$1K, max. S$1.2K FCY spend per s. month
StanChart Beyond Card Apply	3-4 mpd	3 mpd for regular, 3.5 mpd for PB, 4 mpd for PP. No cap
Maybank World Mastercard Apply	3.2 mpd	Min. S$4K per c. month, no cap. Earn 2.8 mpd with min. S$800 per c. month
Maybank Visa Infinite Apply	3.2 mpd	Min. S$4K per c. month, no cap, otherwise 2 mpd
StanChart Visa Infinite Apply	3 mpd	Min. S$2K per s. month, no cap, otherwise 1 mpd
BOC Elite Miles Card Apply	2.8 mpd	No min. spend, no cap
Maybank Horizon Visa Signature Apply	2.8 mpd	Min. S$800 per c. month, no cap, otherwise 1.2 mpd
S. Month= Statement Month | C. Month= Calendar Month

Remember, you can pair the Citi Rewards Card with Amaze to earn 4 mpd on Points.com purchases, while paying lower FCY fees than banks.

Do not use HSBC cards or the DBS Woman’s World Card for Points.com purchases, as MCC 7399 will not earn bonus points. Also avoid using the Chocolate Visa Card, as it classifies MCC 7399 as a bill payment, and caps customers at earning just 300 Max Miles per month. 

Conclusion

Finnair Plus is now selling Avios with a bonus of up to 50%, or 1.8 cents each. You will need to change the currency to JPY and purchase a minimum of 100,000 Avios to unlock the lowest-possible price.

Given the Avios ecosystem, this is basically an opportunity to purchase Qatar Airways, British Airways or other “flavours” of Avios.

That said, you should never be buying Avios (or any other loyalty currency for that matter) speculatively. Only buy if you have a redemption in mind that can be booked immediately or the not-too-distant future, since devaluations can and do happen.