Updated November 6, 2026. Itaú's credit card lineup for individuals currently includes, according to the benefit terms published by Banco Itaú Chile, the Legend, Black, Blue and Signature versions, plus the Condell, the RappiCard by Itaú and American Express cards. The same legal ceiling applies to all: the maximum conventional rate for debts up to 50 UF has been 41.02% a year since October 15, 2026.
A caveat before going further: the itau.cl site returned an access restricted message to both of our requests on November 6, so we could not verify on the bank's site the monthly fee, minimum income or foreign purchase charge of each card. Pauta Financiera does not use third-party comparison sites as a source for fees, so those cells read "not verified". What follows is what can be confirmed in primary documents and the rules that apply to any Itaú card.
View the data as a table
| Maximum rate up to 50 UF | 41.02% a year |
| Maximum rate 50 to 200 UF | 34.02% a year |
| Minimum principal in the minimum payment (full regime) | 5% |
| Versions in the benefit terms | 7 |
Itaú credit cards in 2026: the current lineup
The bank's benefit terms distinguish cards by category. The Legend concentrates exclusive benefits (McParking parking, Transvip transfers, four yearly Lounge.Me lounge visits) and the Black has its own benefits for cards issued after November 4, 2024. The rest appear in the document as excluded from Legend benefits.
| Card | What the bank's document says | Monthly fee | Minimum income |
|---|---|---|---|
| Itaú Legend | Exclusive benefits: McParking, Transvip and 4 yearly Lounge.Me lounge visits | Not verified | Not verified |
| Itaú Black | Transvip benefit for Black cards issued after Nov 4, 2024 | Not verified | Not verified |
| Itaú Blue | Listed as excluded from Legend benefits | Not verified | Not verified |
| Itaú Signature | Listed as excluded from Legend benefits | Not verified | Not verified |
| Condell | Listed as excluded from Legend benefits | Not verified | Not verified |
| RappiCard by Itaú | Listed as excluded from Legend benefits | Not verified | Not verified |
| American Express | Listed as excluded from Legend benefits | Not verified | Not verified |
Source: Banco Itaú Chile credit card benefit terms, checked Nov 6, 2026. Fees and income requirements remain unverified because the bank's site blocked the request. To compare with cards whose terms we did check in official documents, our comparison of the best credit cards by bank covers 25 cards from 8 issuers.
- 2016Merger with CorpbancaCorpbanca and Banco Itaú Chile complete their merger, creating Itaú Corpbanca.
- Mar 2023Name changeItaú Corpbanca becomes Banco Itaú Chile, according to its SEC filing.
- Nov 4, 2024New Black cardThe Black benefits in the terms apply to cards issued after this date.
- Jun 2026New minimum paymentThe CMF's General Rule 537 starts being phased in.
- Oct 15, 202641.02% ceilingMaximum conventional rate for debts up to 50 UF.
Itaú credit card fees: what to compare
Without the bank's fee schedule at hand, the way to assess an Itaú offer is to ask for the summary sheet and set it next to other issuers' entry cards. These are the monthly fees of each bank's cheapest card that Pauta Financiera did verify in official documents on November 5 and 6, 2026.
| Issuer and card | Monthly fee | In pesos per month | Profile |
|---|---|---|---|
| BancoEstado Visa Universal | UF 0.025 | CLP 1,032 | See profile |
| Banco de Chile Universal | UF 0.070 | CLP 2,890 | See profile |
| Santander Life | UF 0.120 | CLP 4,954 | See profile |
| CMR Falabella Mastercard | UF 0.135 | CLP 5,573 | See profile |
| Scotiabank Visa Gold | UF 0.210 | CLP 8,669 | See profile |
| Banco Ripley Mastercard | UF 0.238 | CLP 9,825 | See profile |
Source: each issuer's official documents, cited in each profile; pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF). UF fees rise with inflation, as we explain in our guide on what the UF is. If the goal is to pay no maintenance fee, our guide to no-fee credit cards lists those that charge nothing.
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See advertising optionsCAE and maximum rate on the Itaú credit card
The rate on each installment purchase, advance or revolving balance is set by the bank, but it can never exceed the maximum conventional rate the CMF publishes every month. According to the certificate in force since October 15, 2026, the ceiling is 41.02% a year for debts up to 50 UF (about CLP 2,063,976), 34.02% between 50 and 200 UF and 30.03% between 200 and 5,000 UF. The CAE, which adds up interest, fees and charges, appears on the summary sheet and in each simulation.
| Debt bracket | Maximum annual rate | Equivalent in pesos |
|---|---|---|
| Up to 50 UF | 41.02% | Up to CLP 2,063,976 |
| 50 to 200 UF | 34.02% | CLP 2,063,976 – CLP 8,255,902 |
| 200 to 5,000 UF | 30.03% | CLP 8,255,902 – CLP 206,397,550 |
Source: Maximum conventional rate, CMF, in force since Oct 15, 2026; pesos at the Nov 6, 2026 UF. In our note on how to compare rates and CAE we explain why the CAE, not the rate, is the figure that lets you compare offers.
What paying in installments with Itaú costs
The maintenance fee is only part of the cost. What weighs most, when buying in interest-bearing installments or not paying the full statement, is interest. Since we could not check the rates Itaú publishes, the calculation uses the legal ceiling: a CLP 300,000 purchase at 3.42% a month, the maximum conventional rate for debts up to 50 UF. It is the worst case; the rate the bank offers may be lower.
| Term | Monthly installment | Total interest | Total paid |
|---|---|---|---|
| 3 installments | CLP 106,917 | CLP 20,751 | CLP 320,751 |
| 6 installments | CLP 56,153 | CLP 36,918 | CLP 336,918 |
| 12 installments | CLP 30,899 | CLP 70,788 | CLP 370,788 |
| 24 installments | CLP 18,525 | CLP 144,600 | CLP 444,600 |
Source: Pauta Financiera calculation with a fixed installment and the rate from the Maximum conventional rate, CMF, in force since 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.
Requirements and what to ask for before signing up
The income, age and job tenure requirements for Itaú cards could not be confirmed on the bank's site. Across all issuers reviewed by Pauta Financiera, a pattern repeats: a valid ID, permanent residency for foreigners, proven income and no defaults. When assessing an offer, it pays to request these details in writing:
- The monthly fee and whether there is a semi-annual charge: some banks, such as Scotiabank, add a semi-annual charge that outweighs the monthly fees.
- The conditions to reduce the fee: salary deposit, purchase amount or number of transactions.
- The foreign purchase charge: it ranges from 0% to 2.5% on the cards we reviewed; we compare it in the best cards to use abroad.
- The CAE on the summary sheet for the offered limit, and the cost of any associated insurance, which is voluntary.
- Whether the card comes within a checking account plan and how much the plan costs versus the card alone; our guide to the best banks in Chile ranks banks by other criteria.
If the application is rejected or it is a first card, our guide to easy-to-get credit cards compares issuers with lower requirements, such as the secured CMR or the Lider Bci, with taxable income from CLP 270,000.
Frequently asked questions about the Itaú credit card
Which credit cards does Itaú offer in 2026?
According to its benefit terms: Legend, Black, Blue, Signature, Condell, RappiCard by Itaú and American Express, plus Business cards for companies.
What is the Itaú card's maintenance fee?
We could not verify it: the bank's site blocked the request on November 6, 2026. The figure appears on the summary sheet the bank provides when signing up.
What is the maximum rate Itaú can charge?
The same as any issuer: 41.02% a year for debts up to 50 UF since October 15, 2026, under the maximum conventional rate.
What changes with the new minimum payment?
With General Rule 537 fully in force, the minimum payment must cover all non-financeable charges plus 5% of principal. The rule is being phased in since June 2026.
Are Itaú and Banco Itaú Chile the same?
Yes. The bank was called Itaú Corpbanca after the 2016 merger and changed its name to Banco Itaú Chile in March 2023.
This information is journalistic and educational, not financial advice. Check the conditions and the total cost (CAE) with the institution before signing up.
