Interest-free installments in Chile in November 2026: every campaign by card and store, plus Black Friday

November 2026 brings interest-free installments at all merchants for holders of Banco de Chile, Banco Security and Tenpo credit cards (3 installments, through November 30), plus dozens of store-specific campaigns from Scotiabank, Tarjeta Cencosud Scotiabank and CMR Falabella reaching 24 and 36 installments. The month ends with Black Friday, which according to its official site runs from Friday, November 27 to Monday, November 30, 2026.

This list, updated on November 5, 2026, includes only campaigns whose November validity we confirmed on the official page of the bank or issuer, with its link. We left out those we could not open or whose terms showed conflicting dates. Note: CyberDay 2026 does not fall in November; it ran June 1 to 3, and the Santiago Chamber of Commerce's Cyber Monday ran October 5 to 7.

General campaigns are the most useful because they do not depend on the store. We confirmed three for November. Banco de Chile offers 3 interest-free installments on domestic in-store and online purchases with its credit cards, excluding casinos, gambling and automatic payments (terms). Banco Security offers them in all categories with its One and Black One cards, excluding Servipag, casinos, property taxes and other taxes (terms). Tenpo applies them to all purchases with its credit card from November 1 to 30 (terms).

Source: terms published by each issuer, checked on November 5, 2026. Campaigns apply to individuals whose credit card is current; check the exclusions at each link. If you are weighing which card is best beyond this month's promotions, see our comparison of the best credit cards in Chile in 2026.

The table gathers the 33 campaigns we confirmed. Use the search box to find a store or your card, or sort by maximum number of installments. At Scotiabank, every campaign in its showcase runs "every day of November 2026" with its credit cards (Scotia Rewards); for Tarjeta Cencosud Scotiabank, the terms say the promotion is valid through November 30, 2026 (Tarjeta Cencosud).

Notes: the CMR Falabella Elite campaigns for health, education and property taxes are exclusive to that card. The IKEA furniture campaign at Falabella.com ends on November 8. CMR Elite's automotive campaign is not listed because it charges a 0.89% rate, so it is not interest-free. All store campaigns apply to the specific products or channels stated in their terms.

Black Friday 2026 in Chile starts at 00:00 on Friday, November 27 and ends at 23:59 on Monday, November 30, according to blackfriday.cl. That last day coincides with the end date of almost every campaign on this list, so a purchase made on November 30 can still qualify for the 3 installments from Banco de Chile, Security or Tenpo. Some stores announce their own installment deals for the event; before paying, confirm at checkout that the "interest-free" option appears with your card.

• The CAE in the terms: an interest-free installment purchase does not always carry a 0% CAE. Tarjeta Cencosud Scotiabank's terms for ticketing platforms, for example, state a CAE of 1.36% over 6 installments, because the total cost can include charges other than interest.
• The maintenance fee: if the card charges a monthly fee, you pay it anyway; compare it in our report on fees and CAE of retail credit cards.
• Credit line used: the full purchase amount is deducted from your credit line from day one, even if paid in installments.
• That the card is current: most terms require no arrears on the bank's products.
• The purchase itself: interest-free installments do not make the product cheaper; compare the cash price at other stores.

Campaigns we could not confirm

Itaú, Bci, Santander, BancoEstado, Tarjeta Lider Bci and Tarjeta Ripley publish benefits on pages we could not open by press time, so their November campaigns are not on the list; check their benefits sites directly. The Coopeuch 3-installments-on-everything campaign we found was valid only through October 31. If your card is digital, our comparison of digital accounts and wallets explains what each one offers.

This information is journalistic and educational, not financial advice. Check the conditions and the total cost (CAE) with the institution before signing up.

Which cards offer interest-free installments on everything in November 2026?

We confirmed three: Banco de Chile, Banco Security (One and Black One) and Tenpo, all with 3 installments through November 30.

When is Black Friday 2026 in Chile?

From Friday, November 27 to Monday, November 30, 2026, according to the official site blackfriday.cl.

Is there a CyberDay in November 2026?

No. CyberDay 2026 ran June 1 to 3 and Cyber Monday October 5 to 7.

Where can you get the most interest-free installments?

Up to 36 installments at Thermomix (CMR and Cencosud Scotiabank), Enel X Store (Cencosud Scotiabank) and Panorama Lumón (Scotiabank).

Do interest-free installments have a cost?

They charge no interest, but the CAE stated in the terms may be above zero and the card may charge a maintenance fee. Check both before paying.