The S-Etukortti card is a sign of co-op membership and a key to benefits. You obtain it by becoming a member of the cooperative, i.e., a co-op member.
You will get the best benefits out of your S-Etukortti card when you add your preferred payment options to it. When you pay for your purchases with the S-Etukortti card, you will get payment-method benefits in addition to Bonus. S-Etukortti card Visa is free for co-op members and others living in the same household.