Updated November 6, 2026. The Lider Bci card currently charges 0.209 UF a month for contracts signed since December 6, 2022, about CLP 8,627 at the November 6 UF, and the Lider Bci Preferente version 0.179 UF (CLP 7,389), according to the credit cost table as of October 15, 2026. Until December 31, 2026, the fee is halved with 5 to 9 transactions a month and drops to zero with 10 or more.
The card is issued by Servicios Financieros y Administración de Créditos Comerciales S.A., a subsidiary of Banco de Crédito e Inversiones (Bci), according to liderbci.cl. The bank's own cards, with their semiannual fee, are covered in our Bci credit card profile. This profile gathers what the issuer publishes about this card; its comparison with the CMR, Ripley, 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
| Monthly fee (contracts since Dec 2022) | 0.209 UF |
| Monthly transactions for a zero fee | 10 |
| Minimum taxable income | $270,000 |
| Pesos Mi Club cashback at Lider | 6% |
Lider card fees in 2026
The administration or maintenance fee is charged every month and depends on the contract date. The issuer's table lists four brackets for the Lider Bci and Lider Bci Preferente, all eligible for the transaction discount. The older Lider card (0.083 UF for contracts since March 2015) and Lider Preferente (0 UF) do not get that discount.
| Contract signed since | Lider Bci (monthly) | Lider Bci (annual, no discount) | Lider Bci Preferente (monthly) | Lider Bci Preferente (annual, no discount) |
|---|---|---|---|---|
| 05-04-2021 | UF 0.103 (CLP 4,252) | CLP 51,024 | UF 0.068 (CLP 2,807) | CLP 33,684 |
| 04-02-2022 | UF 0.124 (CLP 5,119) | CLP 61,428 | UF 0.091 (CLP 3,756) | CLP 45,072 |
| 10-05-2022 | UF 0.149 (CLP 6,151) | CLP 73,812 | UF 0.117 (CLP 4,830) | CLP 57,960 |
| 06-12-2022 | UF 0.209 (CLP 8,627) | CLP 103,524 | UF 0.179 (CLP 7,389) | CLP 88,668 |
Source: Lider Bci's credit cost table as of Oct 15, 2026 and the card page, checked Nov 6, 2026; pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF). The annual cost is a Pauta Financiera calculation (monthly fee times 12, no discounts). The fee is in UF, so its peso value rises with inflation; we explain it in our guide on what the UF is. Each customer's exact amount appears in their contract and statement.
How to bring the fee to zero with 10 transactions
The promotional discount applies until December 31, 2026 and depends on the number of transactions in the period: 10 or more give a 100% discount and 5 to 9, 50%. Domestic and international purchases, cash advances and super advances of CLP 5,000 or more count, as do automatic payments (PAT) and insurance premiums not tied to the credit from CLP 1. For installment purchases and advances, only the first installment counts.
One detail worth checking in the contract: the table does not say what happens to the fee after December 31, 2026, when the promotion expires. If the issuer does not renew it, the contract's full fee applies.
Rates, CAE and interest-free installments at Lider
For debts up to 50 UF, the revolving credit rate is 3.418% a month; between 50 and 200 UF, 2.835%; and above 200 UF, 2.502%. These are in line with the maximum conventional rate in force since October 15 (41.02% a year up to 50 UF). The table also reports a promotion of 3 installments at 0% CAE for purchases at Walmart formats, valid until December 31, 2026.
| Operation (up to 50 UF) | Monthly rate |
|---|---|
| Revolving credit | 3.418% |
| 2-installment purchases | 3.977% |
| 3-installment purchases at Walmart formats | 0.000% (until Dec 31, 2026) |
| Purchases in 4 to 36 installments | 3.418% |
| Cash advance in 1 installment | 3.970% |
| Cash advance in 3 to 36 installments | 2.050% – 3.418% |
| Super advance in 12 to 60 installments | 2.050% – 3.418% |
| Penalty interest (late payment) | 2.771% |
Source: Lider Bci's credit cost table as of Oct 15, 2026 and the card page, checked Nov 6, 2026; pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF). Stamp tax is added: 0.066% of the monthly balance, capped at 0.8% a year. Each customer's CAE appears on their summary sheet; as a reference, the table publishes examples for the Universal Credit Card: 36.28% with a CLP 250,000 line, 29.37% with CLP 500,000 and 25.94% with CLP 1,000,000. We explain how to read that figure 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 Lider Bci 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, 3.42% 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 106,913 | CLP 20,739 | CLP 320,739 |
| 6 installments | CLP 56,149 | CLP 36,894 | CLP 336,894 |
| 12 installments | CLP 30,896 | CLP 70,752 | CLP 370,752 |
| 24 installments | CLP 18,521 | CLP 144,504 | CLP 444,504 |
Source: Pauta Financiera calculation with a fixed installment and the rate from the Lider Bci credit cost table as 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.
Foreign purchases, Pesos Mi Club and insurance
For cards taken out since August 1, 2023, the table sets a fee of US$0.46 per foreign purchase and US$0.64 per cash advance abroad, both with a promotional value of zero until December 31, 2026. For long trips, the best cards to use abroad compares those charges across issuers.
The main benefit is Pesos Mi Club cashback: according to the Mi Club page, since July 9, 2025 the card returns 6% of the receipt total at Lider, Express de Lider, Lider.cl and the Lider app, and 1% at other partner merchants (other supermarkets, department stores, fuel and financial services are excluded). The cap is 200,000 Pesos Mi Club a month, the minimum redemption 2,000, and they expire after a year. The program is run by Walmart Chile.
| Item | Published condition |
|---|---|
| Foreign purchase | US$0.46; zero until Dec 31, 2026 |
| Cash advance abroad | US$0.64; zero until Dec 31, 2026 |
| Chip card reissue | 0.1 UF from the third in a year; zero until Dec 31, 2026 |
| Cashback at Lider and Lider.cl | 6% in Pesos Mi Club |
| Cashback at other merchants | 1% in Pesos Mi Club |
| Credit life + hospitalization insurance | Voluntary; covers the debt up to 500 UF; premium not published |
| Unemployment or temporary disability insurance | Voluntary; capped at 10 UF; premium not published |
Sources: Lider Bci's credit cost table as of Oct 15, 2026 and the card page, checked Nov 6, 2026; pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF) and Mi Club. An example using the issuer's figures: a CLP 50,000 purchase at Lider with the card returns 3,000 Pesos Mi Club; the same purchase at another partner merchant, 500.
- Apr 5, 2021Contracts at 0.103 UFFirst Lider Bci fee bracket in the current table.
- Dec 6, 20220.209 UF feeThe value for contracts signed since that date.
- Aug 1, 2023Foreign purchase chargeUS$0.46 per purchase and US$0.64 per advance for contracts since this date.
- Jul 9, 20256% in Pesos Mi ClubCashback at Lider when paying with the card.
- Dec 31, 2026Promotions expireTransaction discount, 3 installments at 0% CAE at Walmart and zero on foreign purchases.
Requirements to get the Lider Bci card
The card page lists minimum opening and income requirements. Applications are assessed online, with income pulled from Previred, and the card can also be obtained at Servicios Financieros branches in Lider, Express de Lider and SuperBodega aCuenta stores. The same page shows an "application validity" period from May to November 2024, with no more recent date.
| Requirement | What Lider Bci asks for |
|---|---|
| Age | Between 24 and 84 (and 364 days) |
| Income (employees and pensioners) | CLP 270,000 taxable |
| Job tenure | More than 12 months (employees: 12 months of contributions) |
| Self-employed | Professionals: 1 year, latest tax return and 6 months of VAT or receipts. Non-professionals: 2 years and 2 tax returns |
| Credit history | No defaults or protests; not under Law 20,720 financial protection |
| Minimum or maximum limit | Not published |
How to apply
- Online: the assessment is fully digital and the card can be used right away once approved, according to the issuer's site.
- In store: at Servicios Financieros branches inside Lider, Express de Lider and SuperBodega aCuenta.
- Documents: a valid ID card, unblocked and with a serial number; self-employed applicants also need tax returns and receipts or VAT filings.
- Limit increase: after 6 months as a customer, through the 600 600 5757 call center or at a branch.
Which profile it fits, based on its terms
- Frequent shopping at Lider: the 6% Pesos Mi Club cashback and the 10 transactions for a zero fee come with everyday use.
- Occasional use: with fewer than 5 transactions a month the full fee applies; our guide to no-fee credit cards lists options that charge nothing without targets.
- Income from CLP 270,000: the income requirement is lower than for entry-level bank cards; the minimum age, 24, is higher. Other options are in our guide to easy-to-get cards.
- Compare with other store cards: the CMR Falabella and Banco Ripley card profiles use the same format.
Frequently asked questions about the Lider card
What is the Lider Bci card's maintenance fee?
0.209 UF a month for contracts since December 6, 2022 (about CLP 8,627) and 0.179 UF for the Preferente, according to the table as of October 15, 2026. Earlier contracts have lower fees, from 0.103 UF.
How can I avoid the Lider card fee?
By making 10 or more transactions of CLP 5,000 or more in the billing period (or automatic payments and insurance premiums), until December 31, 2026. With 5 to 9, the discount is 50%.
What are the requirements to get the Lider card?
Being 24 to 84 years old, more than 12 months of job tenure, CLP 270,000 taxable income for employees or pensioners, a valid ID and no defaults or protests.
Does the Lider Bci charge for purchases abroad?
The fee is US$0.46 per purchase and US$0.64 per advance for contracts since August 2023, but both have a promotional value of zero until December 31, 2026.
What is the Lider Bci card's interest rate?
3.418% a month on revolving credit and on 4- to 36-installment purchases for debts up to 50 UF, according to the table as of October 15, 2026. 3-installment purchases at Walmart formats carry a 0% CAE until year-end.
This information is journalistic and educational, not financial advice. Check the conditions and the total cost (CAE) with the institution before signing up.
