Updated November 6, 2026. Santander Chile currently groups its personal credit cards into four tiers: Santander Life, Platinum, WorldMember and WorldMember Limited, the last three linked to the LATAM Pass program. Taken without a checking account plan, their monthly fee ranges from 0.12 UF to 0.60 UF, that is, from CLP 4,954 to CLP 24,768 a month at the November 6 UF, according to the bank's official pages.
The lineup changed over the past year: the Gold card is no longer offered and, since December 30, 2025, Life Santander LATAM Pass cards became Platinum Santander LATAM Pass. This profile gathers what the bank publishes and marks as "not published" what does not appear. Santander is also one of the country's largest banks: its third-quarter 2026 results show the weight of its retail business.
View the data as a table
| Lowest monthly fee (no plan) | 0.12 UF |
| Platinum minimum income | $400,000 |
| Foreign purchases | 2.5% |
| Miles per dollar, Platinum level 1 | 0.6 |
Santander credit card fees in 2026
Santander publishes two prices per card: the monthly fee for the card alone, without a checking account plan, and the fee for the plan that bundles a checking account, debit card, credit card and credit line. The plan costs more than the card alone but includes the checking account; the Limited plan also has a reduced option of 0.34 UF, according to its page.
| Card | No plan (monthly) | No plan (approx. annual) | Plan with checking account (monthly) | CAE |
|---|---|---|---|---|
| Santander Life | UF 0.12 (CLP 4,954) | CLP 59,448 | UF 0.21 (CLP 8,669) | Not published |
| Platinum Santander LATAM Pass | UF 0.23 (CLP 9,494) | CLP 113,928 | UF 0.39 (CLP 16,099) | Not published |
| WorldMember Santander LATAM Pass | UF 0.34 (CLP 14,035) | CLP 168,420 | UF 0.52 (CLP 21,465) | Not published |
| WorldMember Limited Santander LATAM Pass | UF 0.60 (CLP 24,768) | CLP 297,216 | UF 0.68 (CLP 28,070) | Not published |
Source: Santander Chile's official cards and plans pages, 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). The Platinum Card American Express is listed at 1.48 UF a month without a plan, but it is only for Private Banking clients. UF charges adjust with inflation; we explain it in our guide on what the UF is.
| Life | 0.12 | 0.21 | 59,448 | 104,028 |
| Platinum | 0.23 | 0.39 | 113,928 | 193,188 |
| WorldMember | 0.34 | 0.52 | 168,420 | 257,580 |
| WorldMember Limited | 0.60 | 0.68 | 297,216 | 336,840 |
Is the plan or the card alone better? It depends on whether you need a checking account. On the Platinum, the plan costs 0.39 UF a month and the card alone 0.23 UF: the difference, 0.16 UF or about CLP 6,605 a month, is what you pay for the plan's checking account, debit card and credit line. On the WorldMember the difference is 0.18 UF and on the Limited, 0.08 UF. Those who only need to receive a salary and pay by debit can compare that amount with a no-fee demand account; those who use a credit line or checkbook, with the cost of a separate checking account (Pauta Financiera calculation using the bank's published fees).
Requirements for the Santander credit card
Santander's pages require, for its LATAM Pass cards, a minimum age of 21, Chilean nationality or permanent residency, and a good credit history. The required income varies by tier: the Platinum requires monthly net income above CLP 400,000 and the WorldMember Limited, above CLP 2,500,000.
| Card | Monthly net income | Minimum age | Other requirements |
|---|---|---|---|
| Santander Life | Not published | Not published | Bank assessment |
| Platinum LATAM Pass | Over CLP 400,000 | 21 | Permanent residency and good credit history |
| WorldMember LATAM Pass | Not published | 21 | Permanent residency and good credit history |
| WorldMember Limited LATAM Pass | Over CLP 2,500,000 | 21 | Permanent residency and good credit history |
Source: Santander Chile's official cards and plans pages, checked Nov 6, 2026; pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF). If this is your first card or your income is below those amounts, our guide to credit cards that are easy to get compares issuers with lower requirements.
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See advertising optionsLATAM Pass miles and foreign charges
LATAM Pass cards earn miles per dollar spent in Chile and abroad, at a rate that depends on the customer's level in the Santander Rewards program. For the Platinum, the bank's page states 0.6 miles per dollar at level 1. On foreign purchases, the Platinum page reports a 2.5% fee (0% on American Express cards), and cash advances outside Chile cost 2.5% + US$2.5.
For frequent buyers abroad, that 2.5% adds up: on US$1,000 of spending it is US$25, about CLP 24,274 at the November 5 observed dollar (Pauta Financiera calculation). Other issuers charge nothing on those purchases; we compare them in the best cards to use abroad and in our guide on where to buy dollars.
- Late 2025Gold card discontinuedThe bank states the Gold card is not available to new customers.
- Dec 30, 2025Life LATAM Pass becomes Platinum LATAM PassThe change was automatic for customers.
- Jan 1, 2026Automatic Gold LATAM Pass status endsAccording to LATAM, lounge access remains for WorldMember Limited holders with one companion.
- Jan 1, 2026International charge on the Más Lucas account3.5% per debit purchase abroad, capped at US$2.33 (CMF).
CAE and maximum rate on the Santander credit card
Santander does not publish a fixed CAE per card on the pages checked: the CAE depends on the amount, term and rate of each installment purchase or cash advance, and appears on the summary sheet and in simulations. The legal cap is set by the CMF each month: 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.
To compare entry costs with other banks: BancoEstado's cheapest card costs 0.025 UF a month and Banco de Chile's, 0.07 UF, versus 0.12 UF for the Santander Life.
What paying in installments with Santander 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 Santander 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 Santander card fits each profile
- Everyday use without miles: the Santander Life, the cheapest in the lineup at 0.12 UF a month without a plan.
- Those who want miles with income from CLP 400,000: the Platinum LATAM Pass, at 0.23 UF a month without a plan and 0.6 miles per dollar at level 1.
- High-income frequent travelers: the WorldMember Limited, with income above CLP 2,500,000 and LATAM lounge access with a companion.
- Those who also need a checking account: compare the plan with the card alone plus a separate account; our guide to demand accounts by bank shows no-fee options.
Frequently asked questions about the Santander credit card
How much does the Santander credit card cost?
Without a plan, between 0.12 UF (Life) and 0.60 UF (WorldMember Limited) a month: from CLP 4,954 to CLP 24,768 at the November 6, 2026 UF.
What income does Santander require for the Platinum card?
Monthly net income above CLP 400,000, a minimum age of 21 and a good credit history, according to the bank's page.
Does the Santander Gold card still exist?
It is not available to new customers. Also, since December 30, 2025, Life LATAM Pass cards became Platinum LATAM Pass.
Does it charge for purchases abroad?
Yes: the Platinum LATAM Pass reports 2.5% per international purchase and 2.5% + US$2.5 per cash advance abroad.
What is the Santander 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.
