Use your OPERA points

You can use all or a portion of your OPERA Points in one of several ways.

Learn more about how to use your OPERA points

You have several options to use all or only part of your OPERA points.

Pay for your monthly OPERA PLUS subscription

Make the most of credit and debit cards, reduced processing fees for your mortgage or personal loan, a reduction on placement fees and a whole host of other advantages and rebates included in a pack, the monthly subscription for which can be paid for in part or in full using your OPERA points.

Pay the fee for your payment cards

Visa Debit, debit card
Visa Classic, credit card
Visa Gold, credit card
Visa Platinum, credit card

Your free payment card

With only 1,700 OPERA points you can already pay the annual fee for your Visa Debit card.

Give to a good cause!

You can contribute to the donation that Raiffeisen makes to a charity every year.

Build up your savings even faster

A payment into a R-PlanInvest contract, a transparent, flexible formula that combines protection and savings.
Into a Green Code Kids 0-12 savings account
Into a Green Code 12-18 savings account

Plant trees with your points

Redeem your OPERA points for the planting of a tree in Luxembourg or Bangladesh, in collaboration with the foundation Hëllef fir d’Natur from natur&ëmwelt and Friendship Luxembourg.