Hites has joined the department stores with an "open" credit card: the Hites Visa Premiere, which can be used at Hites stores and at any Visa merchant in Chile and abroad, in person or online. The company presented it on November 10, 2026, after a soft launch that began in October and a Visa alliance announced in March, and it aims to exceed 300,000 cards by 2028, according to La Tercera (sponsored). We reviewed its official documents: it charges 3.4163% a month (41% a year) on installment purchases and cash advances of up to 50 UF, has a promotional administration fee of 0.2513 UF + VAT a month and requires minimum income of CLP 250,000, according to the Hites card customer information, Oct 15, 2026.
View the data as a table
| Monthly rate up to 50 UF | 3.4163% |
| Monthly rate above 50 UF | 2.833% |
| Monthly administration (promo) | 0.2513 UF |
| Minimum income | $250,000 |
What the Hites Visa Premiere is and where it can be used
Until now the Hites card worked mainly at its 32 stores and partner merchants. The Visa version opens it to supermarkets, pharmacies, gas stations, apps, subscriptions and purchases abroad. According to the Hites Visa card website, it charges no fee on international purchases, can pay for public transport by tapping the reader (Santiago Metro, Tren Nos, EFE Valparaíso and Biotren), and the physical card does not show the name or full number: only the last four digits, with the details for online shopping shown in the app. Existing Hites cardholders can ask to switch in store if they have an offer available.
How much the Hites Visa card costs: rates, administration and Hites Pro
The rates sit at the legal ceiling: the maximum conventional rate for loans of up to 50 UF over 90 days is 41.02% a year since October 15 (CMF), and Hites charges 41.00%. These are its main conditions, according to the Hites card customer information, Oct 15, 2026 and the Hites rate table, Oct 15, 2026:
| Transaction | Term | Monthly rate | Annual rate |
|---|---|---|---|
| Hites store purchases, up to 50 UF | 3 to 36 installments | 3.4163% | 41.00% |
| Hites store purchases, above 50 UF | 3 to 36 installments | 2.8330% | 34.00% |
| Single-installment purchases | 1 | 0% | 0% |
| Partner merchants, up to 50 UF | 2 to 24 installments | 3.4163% | 41.00% |
| Cash advance, up to 50 UF | 3 to 36 installments | 3.4163% | 41.00% |
| Cash advance, above 50 UF | 3 to 36 installments | 2.8330% | 34.00% |
| Late interest | - | 3.4162% | - |
Source: Hites card customer information, Oct 15, 2026. The administration fee for new customers with a GR contract signed since May 2026 is 0.2513 UF + VAT a month for the first six months (promotional value), about CLP 12,353 at the November 11 UF. That fee drops to CLP 0 for those who sign up for Hites Pro, a CLP 12,000 a month benefits plan with store and pharmacy discounts, movie tickets, telemedicine and dental assistance, according to the Hites Visa card website. The minimum cash advance is CLP 30,000, and payments at third-party counters cost 0.022 UF per transaction.
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See advertising optionsHites Visa card requirements and how to apply
- Chilean nationality, or foreign with residence in Chile.
- Age between 21 and 77.
- Minimum income of CLP 250,000 (employees, retirees, self-employed and armed and police forces).
- No current defaults or protests above the company's limits, subject to credit evaluation.
- Valid ID card, phone, email, address and income statement.
The card is requested at the financial center of a Hites store; if approved, it is handed over on the spot. The credit is granted by Inversiones y Tarjetas S.A., listed in the CMF's card issuer registry (Hites card customer information, Oct 15, 2026). To compare it with CMR, Ripley, Lider and Cencosud, see department store cards compared; and if you will use cash advances, see what they cost on each card in cash advances.
For people seeking their first card, the Visa opening widens where it can be used, but credit remains expensive: an installment purchase at 3.42% a month costs much more than paying cash or in interest-free installments. Before signing up, check the CAE (annual equivalent cost) of each operation, which adds interest and fees.
What an installment purchase costs with the Hites Visa card
To size up the rate: a CLP 300,000 purchase in installments at 3.4163% a month, with no insurance or other charges, works out as follows by term. In a single installment the financing cost is zero, because the 1-installment rate is 0%. The calculation uses fixed installments (French amortization) and excludes the monthly administration fee.
| Installments | Monthly installment | Total paid | Interest |
|---|---|---|---|
| 1 | CLP 300,000 | CLP 300,000 | CLP 0 |
| 3 | CLP 106,909 | CLP 320,727 | CLP 20,727 |
| 6 | CLP 56,146 | CLP 336,875 | CLP 36,875 |
| 12 | CLP 30,892 | CLP 370,709 | CLP 70,709 |
| 24 | CLP 18,518 | CLP 444,432 | CLP 144,432 |
| 36 | CLP 14,608 | CLP 525,883 | CLP 225,883 |
Pauta Financiera calculation with the rate from the Hites card customer information, Oct 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.
Frequently asked questions about the Hites Visa card
Where can the Hites Visa Premiere be used?
At Hites stores and Hites.com, and at millions of Visa merchants in Chile and abroad, in person and online.
What is the Hites card's interest rate?
3.4163% a month (41% a year) on installment purchases and advances up to 50 UF, and 2.833% a month (34%) above 50 UF, according to the document in force since October 15, 2026.
Does it have a maintenance fee?
Yes: 0.2513 UF + VAT a month as a promotional value for the first six months on new contracts; it is CLP 0 with Hites Pro (CLP 12,000 a month) if payments are kept up to date.
Does it charge a fee on purchases abroad?
No, according to Hites: 0% fee on international purchases.
