Updated November 6, 2026. Banco de Chile currently offers six credit cards for individuals: Mastercard Universal, Visa Fan, Visa Platinum, Visa Signature, Mastercard Black and Visa Infinite. Their monthly fee ranges from 0.07 UF to 0.35 UF, that is, between CLP 2,890 and CLP 14,448 a month at the November 6 UF, and the bank states that none charges a fee on foreign purchases. This profile gathers what the bank publishes on its official pages and marks as "not published" what does not appear.
The information is journalistic and does not replace the summary sheet the bank must provide before you sign up, which shows the interest rate and the CAE (annual equivalent cost) of each transaction. To see how Banco de Chile compares with the rest of the market, see our credit card comparison by bank.
View the data as a table
| Cards for individuals | 6 |
| Lowest monthly fee | 0.07 UF |
| Highest monthly fee | 0.35 UF |
| Foreign purchase charge | 0% |
Banco de Chile credit card fees in 2026
Banco de Chile charges a single monthly fee per card, in UF, and each product page states it is the same with or without a checking account plan. For the Universal, the page adds that the semiannual maintenance fee is waived and that cash advances, regular or in installments, carry no fee either. The table shows the monthly charge, its annual equivalent in pesos and the minimum opening limit for each card.
| Card | Monthly fee | Approx. annual cost | Minimum opening limit | Foreign purchases | CAE |
|---|---|---|---|---|---|
| Mastercard Universal | UF 0.07 (CLP 2,890) | CLP 34,680 | CLP 500,000 | 0% | Not published |
| Visa Fan | UF 0.132 (CLP 5,449) | CLP 65,388 | CLP 500,000 | 0% | Not published |
| Visa Platinum | UF 0.25 (CLP 10,320) | CLP 123,840 | CLP 500,000 | 0% | Not published |
| Visa Signature | UF 0.30 (CLP 12,384) | CLP 148,608 | CLP 1,500,000 | 0% | Not published |
| Mastercard Black | UF 0.30 (CLP 12,384) | CLP 148,608 | CLP 1,500,000 | 0% | Not published |
| Visa Infinite | UF 0.35 (CLP 14,448) | CLP 173,376 | CLP 2,500,000 | 0% | Not published |
Source: official Banco de Chile product pages checked Nov 6, 2026; pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF). The annual cost is a Pauta Financiera calculation (monthly fee times 12) and changes with the UF; our guide on what the UF is explains why it rises every month. The CAE does not appear on the product pages: the bank reports it on the summary sheet and in each simulation of an installment purchase or cash advance.
| Mastercard Universal | 0.070 | 34,680 | 500,000 | No data |
| Visa Fan | 0.132 | 65,388 | 500,000 | 0.5 |
| Visa Platinum | 0.250 | 123,840 | 500,000 | 0.6 |
| Visa Signature | 0.300 | 148,608 | 1,500,000 | 0.7 |
| Mastercard Black | 0.300 | 148,608 | 1,500,000 | 0.7 |
| Visa Infinite | 0.350 | 173,376 | 2,500,000 | 0.8 |
Requirements for the Banco de Chile credit card
Banco de Chile's product pages do not publish a minimum income per card. They state that cards are subject to the customer's commercial and financial assessment, that the fee table applies to individuals without a registered business, and that access conditions are in the bank's rates, fees and charges document. The public figure that works as a reference is the minimum opening limit: CLP 500,000 for Universal, Fan and Platinum; CLP 1,500,000 for Signature and Black; and CLP 2,500,000 for Infinite.
- Valid ID card and income documents for the bank's assessment.
- Individual without a registered business, per each page's fee table.
- Digital Student Plan: for higher-education students aged 18 to 27; the card depends on the institution and degree, according to the bank's policy.
- Minimum income per card: not published on the pages checked.
Those just starting out can compare these conditions with other banks' in our guide to credit cards for students, which gathers current university plans.
Dólares-Premio, travel and benefits by card
The bank's rewards program is Dólares-Premio, run by Travel Club. According to the bank's cards page, earning per dollar spent rises with the tier: 0.5% on the Visa Fan, 0.6% on the Platinum, 0.7% on the Signature and Black, and 0.8% on the Infinite; the Universal reports no earning. The four top-tier cards give access to VIP lounges at a preferential rate, not free: the Signature page states between US$27 and US$32 per visit through the Visa Airport Companion app.
View the data as a table
| Annual cost (CLP) | Dólares-Premio per dollar (%) | |
|---|---|---|
| Visa Fan | 65,388 | 1% |
| Visa Platinum | 123,840 | 1% |
| Visa Signature | 148,608 | 1% |
| Mastercard Black | 148,608 | 1% |
| Visa Infinite | 173,376 | 1% |
| Card | Cash advance abroad | Airport transfers | VIP lounges |
|---|---|---|---|
| Mastercard Universal | $0 | No | Not reported |
| Visa Fan | Not published | No | Preferential rate |
| Visa Platinum | Not published | 2 free | Preferential rate |
| Visa Signature | 2,5% + US$2,5 | 2 free | US$27-32 |
| Mastercard Black | Not published | 2 at 50% off | Preferential rate |
| Visa Infinite | Not published | 4 free | Preferential rate |
Source: official Banco de Chile product pages checked Nov 6, 2026; pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF). Transfers to Santiago airport are earned with purchases from CLP 300,000 at Travel Viajes or airlines paid with the card, according to the note on the bank's page. "Not published" means the page checked does not show the figure.
Since none of the six charges for purchases outside Chile, Banco de Chile is among the issuers suited to paying abroad; if you also need cash, our guide on where to buy dollars explains how to compare each channel's price.
Does your brand want to reach people comparing credit cards? See Pauta Financiera's formats.
See advertising optionsCAE and maximum rate: how much the Banco de Chile credit card can charge
The CAE (annual equivalent cost) sums up a loan's interest rate, fees and charges in one annual percentage. Banco de Chile does not publish it on its card pages because it depends on the amount, term and rate of each installment purchase or cash advance; it reports it on the summary sheet and in simulations. What is public is the legal ceiling: no card can charge more than the maximum conventional rate the CMF sets each month.
| Debt amount | Maximum conventional rate | Approx. peso equivalent |
|---|---|---|
| Up to 50 UF | 41.02% a year | up to CLP 2,063,976 |
| Over 50 and up to 200 UF | 34.02% a year | up to CLP 8,255,902 |
| Over 200 and up to 5,000 UF | 30.03% a year | up to CLP 206,397,550 |
Source: interest rate certificate in force since October 15, 2026, non-indexed peso operations of 90 days or more. The certificate is renewed mid-month. Before paying in installments, compare the CAE on the summary sheet with that of a consumer loan and of other cards, such as BancoEstado's or Santander's.
What paying in installments with Banco de Chile can cost
The maintenance fee is only part of the cost. What weighs most, when the full statement is not paid or purchases are made in interest-bearing installments, is interest. Since Banco de Chile does not publish a fixed rate per card, the calculation below uses the legal ceiling: a CLP 300,000 purchase at the maximum conventional rate of 41.02% a year (bracket up to 50 UF, in force since October 15, 2026). It is the worst case; the rate the bank offers each customer may be lower.
| Term | Monthly installment | Total interest | Total paid |
|---|---|---|---|
| 3 installments | CLP 106,913 | CLP 20,740 | CLP 320,740 |
| 6 installments | CLP 56,150 | CLP 36,897 | CLP 336,897 |
| 12 installments | CLP 30,896 | CLP 70,754 | CLP 370,754 |
| 24 installments | CLP 18,522 | CLP 144,527 | CLP 444,527 |
Source: Pauta Financiera calculation with a fixed installment and the rate from the interest rate certificate. It excludes stamp tax, insurance and per-installment fees, which raise the CAE. Over 24 months, interest reaches almost half the purchase value.
Since June 2026 the minimum payment on all cards is also changing. According to the CMF, once General Rule 537 is fully phased in, the minimum payment must cover 100% of non-financeable amounts (interest-free installments for the period, interest, fees and other charges) plus 5% of financeable amounts, which are mainly principal. The rule is being applied gradually and is fully in force 24 months after it began.
Which Banco de Chile card fits each profile
- Occasional use and low fixed cost: the Mastercard Universal, at 0.07 UF a month (about CLP 34,680 a year), with no foreign charge but no Dólares-Premio. Other no-fee options are in our guide to cards with no maintenance fee.
- Those who want rewards without paying much: the Visa Fan (0.132 UF) is the cheapest with Dólares-Premio.
- Frequent travelers: Platinum, Signature, Black and Infinite add transfers and VIP lounges at preferential rates; the cost gap between Platinum and Infinite is about CLP 49,536 a year.
Frequently asked questions about the Banco de Chile credit card
How much does the Banco de Chile credit card cost?
Between 0.07 UF and 0.35 UF a month depending on the card, that is, between CLP 2,890 and CLP 14,448 at the November 6, 2026 UF.
What is the Banco de Chile card's CAE?
The bank does not publish it on its pages: it depends on each transaction and appears on the summary sheet and in simulations. The legal ceiling for debts up to 50 UF is 41.02% a year since October 15, 2026.
Does it charge for purchases abroad?
No. All six cards report a 0% fee on foreign purchases. Cash advances abroad do carry a cost on some, such as the Signature (2.5% + US$2.5).
What income is required?
The pages do not publish a minimum income; the card is subject to assessment. The minimum opening limit ranges from CLP 500,000 to CLP 2,500,000 depending on the card.
Is the fee charged without a checking account plan?
Yes. The pages state the monthly fee is the same with or without a plan.
This information is journalistic and educational, not financial advice. Check the conditions and the total cost (CAE) with the institution before signing up.
