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Finnair Visa vs K-plus Maksuaikka for Avios maximization

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Hi all! This is my first post so do let me know if this is somewhat against rules or is a bluntly stupid question.

I have recently flew Finnair business class and it was so awesome I have decided to try to maximize my Avios points in order to get some of those upgrades for “free”.

I got a Finnair Visa to accumulate Avios points, however after reading another thread on this forum, I found about K plussa to Avios conversion, which is absolutely great since I’m already doing my shopping in K stores. I had a look at K maksuaika, and I wanted to ask from your experience, is it worth it? Is it just 0,5% discount or does it actually accrue plussa points faster to trigger more plussa points? At 0.5% visa Finnair is obviously better, but if it also accrues plussa points faster that is really nice, hoewever there are no examples of how does this actually work.

Does anyone have experiences with both? Is there a better way to maximize Avios? Cheers

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