Updated November 6, 2026. Bci credit cards have a different structure from almost every other bank: they charge a monthly fee and a semiannual one. In the current BciPlus+ line, the monthly fee ranges from 0.14 UF (about CLP 5,779) on the Visa Classic to 0.30 UF (CLP 12,384) on the Visa Infinite, and the semiannual charge from 1.00 UF to 3.20 UF, according to the bank's fee schedule. That semiannual charge is halved or waived depending on how much is spent on the card, and disappears with a Bci checking account plan.
This profile gathers what Bci publishes for each card and marks as "not published" what does not appear. The current fee schedule linked by the bank is updated to May 7, 2025 and states that fees are adjusted every April by INE's real wage index, so 2026 values may differ slightly. Bci's card pages blocked automated access on November 6: the minimum incomes and credit limits in this article are those shown on those public pages and should be confirmed with the bank. The Walmart alliance card has its own profile: Lider Bci card.
View the data as a table
| Lowest monthly fee | 0.14 UF |
| Lowest semiannual charge | 1.00 UF |
| Visa Classic minimum income | $550,000 |
| Fee on purchases abroad | 0% |
Bci credit card fees in 2026
The table adds both charges to get the annual cost without discounts: twelve monthly fees plus two semiannual ones. It is the ceiling; in practice, those who use the card enough or have a checking account plan pay less, and the monthly fee is not charged in months with no purchases, advances or debt.
| Card | Monthly | Semiannual | Annual without discounts | Purchases abroad | CAE |
|---|---|---|---|---|---|
| BciPlus+ Visa Classic | UF 0.14 | UF 1.00 | UF 3.68 (CLP 151,909) | 0% | Not published |
| BciPlus+ Gold (Visa o Mastercard) | UF 0.14 | UF 1.80 | UF 5.28 (CLP 217,956) | 0% | Not published |
| BciPlus+ Platinum (Visa o Mastercard) | UF 0.17 | UF 2.00 | UF 6.04 (CLP 249,328) | 0% | Not published |
| BciPlus+ Visa Signature | UF 0.23 | UF 2.20 | UF 7.16 (CLP 295,561) | 0% | Not published |
| BciPlus+ Mastercard Black | UF 0.23 | UF 2.20 | UF 7.16 (CLP 295,561) | 0% | Not published |
| BciPlus+ Visa Infinite | UF 0.30 | UF 3.20 | UF 10.00 (CLP 412,795) | 0% | Not published |
| Bci Visa Simple | UF 0.12 | UF 0.00 | UF 1.44 (CLP 59,442) | 2.5% | Not published |
| Bci / AAdvantage Visa Gold | UF 0.09 | UF 1.80 | UF 4.68 (CLP 193,188) | 2.5% | Not published |
| Bci / AAdvantage Visa Signature | UF 0.13 | UF 2.20 | UF 5.96 (CLP 246,026) | 0% | Not published |
| Bci / AAdvantage Mastercard Black | UF 0.13 | UF 2.20 | UF 5.96 (CLP 246,026) | 0% | Not published |
| Bci / AAdvantage Visa Infinite | UF 0.15 | UF 3.20 | UF 8.20 (CLP 338,492) | 0% | Not published |
Source: Bci fee schedule (updated May 7, 2025, checked Nov 6, 2026); pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF). The annual cost in pesos is a Pauta Financiera calculation. Older cards still in the schedule (Visa Universal and Visa Classic, 0.90 UF semiannually; Visa Gold and Mastercard Gold, 1.45 UF; Visa Platinum and Mastercard Platinum, 1.55 UF) no longer appear in bci.cl's lineup. Bci converts UF fees at the UF value on the first day of the month; we explain it in our guide on what the UF is.
| BciPlus+ Visa Classic | 0.14 | 1.00 | 151,909 | 0.0 |
| BciPlus+ Gold (Visa o Mastercard) | 0.14 | 1.80 | 217,956 | 0.0 |
| BciPlus+ Platinum (Visa o Mastercard) | 0.17 | 2.00 | 249,328 | 0.0 |
| BciPlus+ Visa Signature | 0.23 | 2.20 | 295,561 | 0.0 |
| BciPlus+ Mastercard Black | 0.23 | 2.20 | 295,561 | 0.0 |
| BciPlus+ Visa Infinite | 0.30 | 3.20 | 412,795 | 0.0 |
| Bci Visa Simple | 0.12 | 0.00 | 59,442 | 2.5 |
| Bci / AAdvantage Visa Gold | 0.09 | 1.80 | 193,188 | 2.5 |
| Bci / AAdvantage Visa Signature | 0.13 | 2.20 | 246,026 | 0.0 |
| Bci / AAdvantage Mastercard Black | 0.13 | 2.20 | 246,026 | 0.0 |
| Bci / AAdvantage Visa Infinite | 0.15 | 3.20 | 338,492 | 0.0 |
How the Bci card's semiannual charge is reduced
The semiannual charge is billed in arrears and discounted according to the average monthly purchases in Chile over the last six months. Thresholds vary by card, and those with a Bci checking account plan get a permanent 100% discount, even without using the card, paying only the plan fee.
| Cards | 50% discount with average purchases of | 100% discount with average purchases above |
|---|---|---|
| BciPlus+ Classic, Gold y Platinum | UF 7 - UF 13 (CLP 288,957 - CLP 536,634) | UF 13 (CLP 536,634) |
| BciPlus+ Signature, Black e Infinite | UF 20 - UF 40 (CLP 825,590 - CLP 1,651,180) | UF 40 (CLP 1,651,180) |
| Bci / AAdvantage Gold, Signature, Black e Infinite | UF 20 - UF 40 | UF 40 |
| Other Bci cards | UF 7 - UF 10 (CLP 288,957 - CLP 412,795) | UF 10 (CLP 412,795) |
| Any card with a Bci checking account plan | — | Always (permanent discount) |
Source: Bci fee schedule (updated May 7, 2025, checked Nov 6, 2026); pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF). Only purchases in Chile count. Since May 2025, Bci / AAdvantage Mastercard Black and Visa Infinite cards linked to a plan are exempt from the semiannual charge regardless of the amount billed. An example: with a BciPlus+ Gold and average purchases of CLP 600,000 a month (above UF 13), the 1.80 UF semiannual charge drops to zero and the annual cost falls from CLP 217,956 to CLP 69,350, monthly fees only (Pauta Financiera calculation).
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See advertising optionsRequirements to get a Bci credit card
According to each card's page on bci.cl, the minimum net income ranges from CLP 550,000 on the Visa Classic to CLP 4,000,000 on the Visa Infinite, with a minimum domestic credit limit rising in step. The Classic also requires Chilean nationality or permanent residency and, for employees, one year in the job.
| Card | Monthly net income | Minimum domestic limit |
|---|---|---|
| BciPlus+ Visa Classic | From CLP 550,000 | CLP 550,000 |
| BciPlus+ Gold (Visa o Mastercard) | From CLP 750,000 | CLP 750,000 |
| BciPlus+ Platinum (Visa o Mastercard) | From CLP 900,000 | CLP 900,000 |
| BciPlus+ Visa Signature | From CLP 1,600,000 | CLP 1,200,000 |
| BciPlus+ Mastercard Black | From CLP 1,600,000 | CLP 1,200,000 |
| BciPlus+ Visa Infinite | From CLP 4,000,000 | CLP 10,000,000 |
Source: each card's page on bci.cl, viewed Nov 6, 2026 (the site blocked automated reading; confirm with the bank). If your income is below those amounts or this is your first card, our guide to easy-to-get credit cards compares issuers with fewer requirements. Those who issue fee receipts can review Bci's Plan Independiente in accounts for self-employed workers.
View the data as a table
| Minimum income (CLP thousands) | Annual cost (UF) | |
|---|---|---|
| Visa Classic | 550 | 4 |
| Gold | 750 | 5 |
| Platinum | 900 | 6 |
| Visa Signature | 1,600 | 7 |
| Mastercard Black | 1,600 | 7 |
| Visa Infinite | 4,000 | 10 |
Purchases abroad, cash advances and other charges
The entire BciPlus+ line is exempt from the 2.5% fee on purchases abroad, as are the Bci / AAdvantage Signature, Black and Infinite; the Bci Visa Simple and the AAdvantage Gold do charge it. Cash advances in Chile carry no fee (UF 0) and advances abroad cost 0.23 UF, or 0.30 UF on AAdvantage and some OpenSky cards. To convert dollar purchases, Bci uses the observed dollar rate on the date the purchase is reported.
On US$1,000 of spending abroad, the difference between an exempt card and one charging 2.5% is US$25, about CLP 24,274 at the November 5 observed dollar (Pauta Financiera calculation). We compare other issuers in the best cards to use abroad, and Banco de Chile's and Santander's fees in their profiles: Banco de Chile card and Santander card.
- Sep 2024 - Jan 2025Migration to BciPlus+Pesos OpenSky and PuntosBci cards move to BciPlus+ under their existing contract terms.
- May 2025AAdvantage Black and Infinite waive semiannual fee with a planExempt regardless of the amount billed.
- May 7, 2025Latest fee schedule updateIt is the version the bank publishes as of November 6, 2026.
- Every AprilFee adjustmentBy INE's real wage index for the previous year.
- Oct 15, 202641.02% maximum rateFor debts up to 50 UF, according to the CMF.
CAE and maximum rate on the Bci credit card
Bci does not publish a fixed CAE per card in the documents reviewed: it depends on the amount, term and rate of each installment purchase or advance, and appears on the summary sheet and in each simulation. The ceiling is set by the CMF: according to the certificate in force since October 15, 2026, the maximum conventional rate is 41.02% a year for debts up to 50 UF, 34.02% between 50 and 200 UF and 30.03% between 200 and 5,000 UF. The schedule does set the rate on the overdraft line tied to plans: the current interest rate plus a monthly spread of 2.15% (BciPlus+ plans) or 1.20% (Preferencial).
What paying in installments with Bci 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 Bci 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 Bci card fits each profile
- First bank card with income from CLP 550,000: the BciPlus+ Visa Classic, the line's lowest annual cost (3.68 UF without discounts).
- Those spending over UF 13 a month on the card: on Classic, Gold and Platinum the semiannual charge drops to zero.
- Those who have or want a Bci checking account: the plan removes the semiannual charge; with a salary deposit, the Plan Bci Plus costs 0.15 UF, as detailed in accounts to receive your salary.
- Travelers earning American Airlines miles: the Bci / AAdvantage Signature, Black and Infinite, with no fee on purchases abroad.
- Those who rarely use the card: the monthly fee is not charged in months without use or debt, but the semiannual charge still applies without a plan; compare it with no-fee credit cards.
To see Bci alongside the rest of the market, our comparison of the best credit cards of 2026 ranks 25 cards from 8 issuers by fee and international charge.
Frequently asked questions about the Bci credit card
How much is the Bci card's maintenance fee?
On the BciPlus+ line, between 0.14 UF and 0.30 UF a month plus a semiannual charge of 1.00 UF to 3.20 UF. Without discounts, the Visa Classic costs about CLP 151,909 a year at the November 6, 2026 UF.
How can I avoid Bci's semiannual fee?
With average purchases in Chile above UF 13 a month (Classic, Gold and Platinum) or above UF 40 (Signature, Black and Infinite) over the last six months, or by having a Bci checking account plan.
What income does Bci require for its card?
From CLP 550,000 net for the BciPlus+ Visa Classic up to CLP 4,000,000 for the Visa Infinite, according to the bank's pages.
Does the Bci card charge for purchases abroad?
The BciPlus+ line and the AAdvantage Signature, Black and Infinite do not; the Bci Visa Simple and AAdvantage Gold charge 2.5% of the purchase.
What is the Bci card's CAE?
It is not published as a fixed figure: it appears on the summary sheet and in each simulation. The legal ceiling for debts up to 50 UF is 41.02% a year since October 15, 2026.
This information is journalistic and educational, not financial advice. Check the conditions and the total cost (CAE) with the institution before signing up.
