Updated November 6, 2026. The Ripley card available today is the Banco Ripley Mastercard, with a maintenance fee of 0.238 UF a month including VAT, about CLP 9,825 at the November 6 UF, and its Mastercard Black version, at 0.35 UF (CLP 14,448), according to the credit card rate board in force since October 15, 2026. The fee is only charged in months when the card is used or a balance remains.
According to the rate board, the cards are issued by CAR S.A., a company linked to Banco Ripley. This profile gathers what the issuer publishes about this card; its comparison with the CMR, Lider Bci, Cencosud and Hites is in our department store card ranking. Anything not found in the documents reviewed is marked "not published".
View the data as a table
| Mastercard monthly fee | 0.238 UF |
| Black monthly fee | 0.35 UF |
| Foreign purchase fee | 0 UF |
| Minimum age | 21 |
Ripley card fees in 2026
The rate board lists five Ripley Mastercard modes: with revolving credit, without revolving credit, without revolving and with a dual line and Black with revolving credit, plus the older Ripley Universal and Installment System cards. For new contracts, all standard Mastercards cost 0.238 UF and the Black 0.35 UF. The fee applies to customers who use their line during the billing period, is reduced 25% if the card is blocked for late payment, and includes VAT.
| Card | Monthly fee | In pesos per month | Annual cost if used every month |
|---|---|---|---|
| Banco Ripley Mastercard | UF 0.238 | CLP 9,825 | CLP 117,900 |
| Banco Ripley Mastercard Black | UF 0.35 | CLP 14,448 | CLP 173,376 |
Source: Banco Ripley's credit card rate board in force since Oct 15, 2026 and the Mastercard and Mastercard Black 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 (fee times 12). Since it is not charged in months without use or debt, someone using the card six months a year pays half. The Mastercard web page shows an approximate peso amount based on an earlier UF; here we use the November 6 value. UF charges rise with inflation, as we explain in our guide on what the UF is.
Older contracts keep other fees. The Black, for example, cost 0.4879 UF for contracts before May 20, 2026 and 0.41 UF for those before February 3, 2023. This search table gathers every value on the rate board.
| Mastercard with revolving credit | 0.2380 | New contracts |
| Mastercard with revolving credit | 0.2000 | Taken out before 03-02-2023 |
| Mastercard with revolving credit | 0.1231 | Taken out before 15-01-2020 |
| Mastercard with revolving credit | 0.1052 | Taken out before 10-09-2013 |
| Mastercard with revolving credit | 0.0884 | Taken out before 14-09-2009 |
| Mastercard without revolving credit | 0.2380 | New contracts |
| Mastercard without revolving credit | 0.2000 | Taken out before 03-02-2023 |
| Mastercard without revolving credit | 0.0884 | Taken out before 06-08-2020 |
| Mastercard without revolving, dual line | 0.2380 | New contracts |
| Mastercard Black | 0.3500 | New contracts |
| Mastercard Black | 0.4879 | Taken out before 20-05-2026 |
| Mastercard Black | 0.4100 | Taken out before 03-02-2023 |
| Ripley Installment System without revolving credit | 0.1231 | New contracts |
| Ripley Universal card | 0.0884 | New contracts |
- Before Feb 3, 20230.41 UFFee on the oldest Black contracts.
- Feb 3, 2023 to May 19, 20260.4879 UFThe standard Mastercard rose to 0.238 UF at the same 2023 cutoff.
- May 20, 20260.35 UFValue for Black cards taken out since this date.
- Oct 15, 2026Current rate boardRate of 3.41% a month for revolving credit up to 50 UF.
Ripley card rates and CAE
For the revolving balance and immediate-charge operations, the rate is 3.41% a month on lines up to 50 UF and 2.83% between 50 and 200 UF. Installment purchases (3 to 48) carry a rate of 2.49% to 3.40% a month (29.88% to 40.80% a year), depending on the customer. The maximum conventional rate for debts up to 50 UF has been 41.02% a year since October 15.
| Purchases at Ripley stores | 3-48 | 2.49% | 3.40% |
| Purchases at Ripley.com | 3-48 | 2.49% | 3.40% |
| Purchases at partner merchants | 3-48 | 2.49% | 3.40% |
| Purchases at other merchants | 3-48 | 2.49% | 3.40% |
| Cash advance | 3-36 | 2.40% | 3.40% |
| Super advance | 6-60 | 2.49% | 3.40% |
| Refinancing | 3-60 | 1.90% | 3.40% |
Source: Banco Ripley card rate board, 15-oct-2026. Ripley stores allow 3 interest-free installments with a down payment equal to one installment, and purchases, Super Advance and store purchases have an optional grace period of up to 3 months, charged at 3.41% per grace month. The rate board does not publish a current CAE: each customer's CAE appears on their summary sheet and statement. The bank's sample summary sheet contains example figures computed with the May 2021 UF, so we do not use them. We explain how to read the CAE in our note on how to compare rates and CAE.
Does your brand want to reach people comparing cards before signing up? See Pauta Financiera's formats.
See advertising optionsWhat paying in installments with the Ripley card costs
The fee is only part of the cost. What weighs most, when buying in interest-bearing installments or not paying the full statement, is interest. The calculation below uses the maximum rate the issuer publishes for small installment purchases, 3.40% a month, on a CLP 300,000 purchase. It is the most expensive case on its rate board; each customer may be offered a lower rate.
| Term | Monthly installment | Total interest | Total paid |
|---|---|---|---|
| 3 installments | CLP 106,876 | CLP 20,628 | CLP 320,628 |
| 6 installments | CLP 56,116 | CLP 36,696 | CLP 336,696 |
| 12 installments | CLP 30,863 | CLP 70,356 | CLP 370,356 |
| 24 installments | CLP 18,486 | CLP 143,664 | CLP 443,664 |
Source: Pauta Financiera calculation with a fixed installment and the rate from the Banco Ripley card rate board of Oct 15, 2026. It excludes stamp tax (0.066% a month, capped at 0.8%), insurance and other charges, which raise the CAE.
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.
Puntos Go, travel, insurance and other charges
The card earns Ripley Puntos Go. The Mastercard earns 1 point per CLP 150 at Ripley stores and Ripley.com and 1 per CLP 250 elsewhere; the Black, 1 per CLP 100 and 1 per CLP 200, respectively, which the bank describes as 25% more. The Black adds 6 visits a year to Pacific Club lounges in Chile, 1 visit to LoungeKey lounges abroad and travel medical insurance of up to US$150,000, according to its page.
| Item | Mastercard | Mastercard Black |
|---|---|---|
| Foreign purchase fee | 0 UF | 0 UF |
| Cash advance abroad fee | 0% | 0% |
| Puntos Go at Ripley and Ripley.com | 1 per CLP 150 | 1 per CLP 100 |
| Puntos Go elsewhere | 1 per CLP 250 | 1 per CLP 200 |
| Airport lounges | — | 6 Pacific Club and 1 LoungeKey a year |
| Reissue caused by the customer | 0.04 UF | 0.04 UF |
| Credit life insurance (voluntary) | 0.06 UF a month with activity | 0.06 UF a month with activity |
| Unemployment or disability insurance (voluntary) | 0.15077 UF a month with activity | 0.15077 UF a month with activity |
Sources: Banco Ripley's credit card rate board in force since Oct 15, 2026 and the Mastercard and Mastercard Black pages, checked Nov 6, 2026; pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF). Insurance is charged only in months with activity above 0.07 UF (credit life) or 0.12 UF (unemployment or disability), excluding advances. When late, penalty interest is 3.41% a month up to 50 UF and, from 20 days, collection costs of 9%, 6% and 3% by debt bracket are added. If the debt has already reached credit bureaus, our guide on how to get out of Dicom covers the steps. For travel, our comparison of cards to use abroad adds other no-fee options.
Requirements to get the Ripley card
The Mastercard page lists four requirements and does not publish a minimum income: approval depends on the bank's credit assessment. The application is fully online at bancoripley.cl and, once approved, the digital card is available in the Banco Ripley app to shop right away.
| Requirement | What Banco Ripley asks for |
|---|---|
| Age | 21 or older |
| ID | Valid ID card, Chilean or foreign with permanent residency |
| Address | Proof of a permanent address |
| Assessment | Meet the financial conditions of the credit assessment |
| Minimum income | Not published |
How to apply step by step
- Open the online application page on your phone and fill in the form.
- Wait for the assessment; if approved, the digital card appears in the Banco Ripley app within minutes, according to the bank's help center.
- Check the summary sheet before signing: it shows the CAE, the limit and any insurance taken out, which is voluntary.
- Pay the statement in the app, Ripley stores, branches, Servipag, Chilexpress, Sencillito or Caja Vecina, according to the rate board.
Which profile it fits, based on its terms
- Occasional use: the fee is only charged in months with use or debt; light users pay less than with a fixed-fee card. No-fee credit cards are the benchmark for comparison.
- Purchases abroad: 0 UF fee on purchases and advances outside Chile, in both versions.
- Frequent travelers: the Black adds lounges and travel insurance for 0.112 UF more a month than the standard Mastercard (Pauta Financiera calculation).
- Compare with other store cards: the CMR Falabella and Lider Bci card profiles follow the same format.
Frequently asked questions about the Ripley card
What is the Ripley card's maintenance fee?
The Banco Ripley Mastercard charges 0.238 UF a month (about CLP 9,825) and the Black 0.35 UF (CLP 14,448), including VAT, only in months when the line is used or a balance remains.
What are the requirements to get a Ripley card?
Being 21 or older, a valid ID (Chilean or foreign with permanent residency), a permanent address and passing the credit assessment. The bank does not publish a minimum income.
Does the Ripley card charge for purchases abroad?
No. The rate board reports a 0 UF fee on foreign purchases and the web page, a 0% international fee on advances.
What is the Ripley card's interest rate?
3.41% a month on revolving credit up to 50 UF and between 2.49% and 3.40% a month on 3- to 48-installment purchases, according to the rate board in force since October 15, 2026.
What is the Ripley card's CAE?
It is not published as a current figure on the rate board: it appears on each customer's summary sheet and statement.
This information is journalistic and educational, not financial advice. Check the conditions and the total cost (CAE) with the institution before signing up.
