Updated November 6, 2026. Scotiabank Chile's personal credit cards are Visa and carry two fees: a monthly one and a semi-annual one. According to the bank's official page, they range from the Visa Gold, which requires net income of CLP 500,000 and charges 0.21 UF a month plus 1.50 UF every six months, to the Visa Singular by Scotiabank Infinite, for incomes from CLP 7,000,000, at 0.40 UF a month and 2.50 UF every six months. Combined, the Gold costs about CLP 227,863 a year without discounts.
This profile gathers what the bank publishes about its own cards. The Cencosud Scotiabank card is a different, store-branded product and appears in our department store card ranking. Scotiabank is one of the country's largest banks, as our ranking of banks by assets and loans shows. Anything not found in the documents reviewed is marked "not published".
View the data as a table
| Visa Gold monthly fee | 0.21 UF |
| Visa Gold minimum income | $500,000 |
| Maximum monthly rate | 3.42% |
| Minimum age for plans with credit | 25 |
Scotiabank credit card fees in 2026
For each card, the bank publishes the minimum net income, the monthly fee (M) and the semi-annual fee (S). According to its card fee schedule, credit card fees are VAT-exempt and, if a customer has two or more cards, the semi-annual charge applies to only one. For cards issued since November 15, 2025, the same document says the card is exempt from the charge if it has no use in the period, that is, no transactions and no outstanding debt.
| Card | Minimum net income | Monthly fee | Semi-annual fee | Yearly total | In pesos per year |
|---|---|---|---|---|---|
| Visa Gold | CLP 500,000 | UF 0.21 | UF 1.50 | UF 5.52 | CLP 227,863 |
| Visa Platinum | CLP 1,200,000 | UF 0.25 | UF 1.50 | UF 6.00 | CLP 247,677 |
| Visa Signature | CLP 1,200,000 | UF 0.30 | UF 1.75 | UF 7.10 | CLP 293,085 |
| Visa Singular by Scotiabank Signature | CLP 3,000,000 | UF 0.30 | UF 1.75 | UF 7.10 | CLP 293,085 |
| Visa Singular by Scotiabank Infinite | CLP 7,000,000 | UF 0.40 | UF 2.50 | UF 9.80 | CLP 404,539 |
Source: Scotiabank Chile's credit cards page and card rates and fees document, checked Nov 6, 2026; pesos at the Nov 6, 2026 UF (CLP 41,279.51, CMF). The yearly total is a Pauta Financiera calculation (monthly fee times 12 plus two semi-annual charges). On the Gold, the two semi-annual charges (3.00 UF) weigh more than the twelve monthly fees (2.52 UF). The page also shows a second Visa Gold listing at 0.1 UF a month and a Visa Platinum for incomes from CLP 500,000, without explaining the difference; the fee that applies to each customer is in their contract. UF charges rise with inflation, as we explain in our guide on what the UF is.
View the data as a table
| Minimum income (CLP millions) | Yearly fee (UF) | |
|---|---|---|
| Gold | 1 | 6 |
| Platinum | 1 | 6 |
| Signature | 1 | 7 |
| Singular Signature | 3 | 7 |
| Singular Infinite | 7 | 10 |
| Visa Gold | 500,000 | 0.21 | 1.50 | 227,863 |
| Visa Platinum | 1,200,000 | 0.25 | 1.50 | 247,677 |
| Visa Signature | 1,200,000 | 0.30 | 1.75 | 293,085 |
| Visa Singular by Scotiabank Signature | 3,000,000 | 0.30 | 1.75 | 293,085 |
| Visa Singular by Scotiabank Infinite | 7,000,000 | 0.40 | 2.50 | 404,539 |
How much each card can cost per year
The bank's rates and fees document reports, for each card type, the minimum and maximum annual maintenance fee in pesos. The minimum is zero for all, and the maximum ranges from CLP 44,599 on the National and International cards to CLP 404,696 on the Singular. Those figures are consistent with the sum of monthly and semi-annual charges on the cards page.
Scotiabank credit card rates and CAE
For all its cards, the rates document reports an interest rate of 0.84% to 3.42% a month (10.05% to 41.02% a year). The maximum matches the maximum conventional rate for debts up to 50 UF in force since October 15, 2026; for operations between 50 and 200 UF the ceiling is 34.02% a year. The bank does not publish a fixed CAE per card: it depends on each operation's amount, term and rate, and appears on the summary sheet.
| Operation type | How it works at Scotiabank |
|---|---|
| Regular purchases | Interest-free if paid in full by the due date: up to 35 days of financing |
| Installment purchases | From 2 to 48 installments; since Feb 1, 2023 interest accrues from the purchase date |
| Immediate charge | Advances, casinos, currency purchases, tax payments: interest from the transaction date |
| ATM cash advances | Up to CLP 200,000 a day on the Redbanc network |
| Late-payment interest | The current maximum conventional rate |
| CAE per card | Not published |
Sources: Scotiabank credit cards, Scotiabank card rates and fees and the article 12 information on credit cards. From 20 days late, collection costs of 9% up to 10 UF, 6% between 10 and 50 UF and 3% above 50 UF apply. We explain how to read the CAE in our note on how to compare rates and CAE.
Does your brand want to reach people choosing a card and a bank? See Pauta Financiera's formats.
See advertising optionsWhat paying in installments with Scotiabank 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 106,917 | 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 rate published by Scotiabank. 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.
Card alone or a checking account plan
Scotiabank also sells the card within plans that include a checking account, debit card, credit line and credit card. According to its plans and cards page, the Plan Scotiabank requires income of CLP 500,000 and costs 0.3 UF a month, reduced to zero with a monthly deposit of CLP 400,000 or more, investments in deposits or mutual funds from CLP 5,000,000 or 3 automatic bill payments. The Plan Scotiabank Plus, for incomes from CLP 1,200,000, lists a fee of 0.25 UF reduced to zero from a CLP 1,200,000 deposit. If a plan product is not taken, each product's separate fee applies.
For those who only need to receive a salary, the useful comparison is between the plan and a no-fee account: our guide to demand accounts by bank shows those options, and the Santander and Banco de Chile profiles let you compare entry-card costs at other banks.
- Feb 1, 2023Interest from the purchase dateOn interest-bearing installment purchases.
- Oct 7, 2024New fee scheduleApplies to cards issued up to July 25, 2025.
- Jul 26, 2025Another fee changeFor cards issued since that date.
- Nov 15, 2025Exemption without useCards with no transactions or debt in the period are exempt from the charge.
- Oct 15, 202641.02% annual ceilingMaximum card rate for debts up to 50 UF.
Requirements and how to apply
The minimum income depends on the card (table above). For plans with credit products, the bank requires a minimum age of 25, Chilean nationality or permanent residency, a valid ID, a verifiable address in Chile, income equal to or above the plan's, proof of activity and solvency, and a statement of assets and liabilities.
- In person: with an account officer, who assesses the documents before signing, according to the article 12 information.
- Online: customers log in with their RUT and password to the Financial Supermarket section, "Card" option, and sign digitally; a remote operation mandate is required.
- Phone: at 600 600 1100 (personal banking), where an officer guides the online process.
- Without high income: the bank offers a ScotiaZero account with no minimum income, but it does not include a credit card; for a first card, our guide to easy-to-get cards compares other issuers.
Which Scotiabank card fits each profile
- Entry level, income from CLP 500,000: the Visa Gold, at UF 5.52 a year in fees without discounts.
- Airport lounges: the Visa Signature (income from CLP 1,200,000) is the lowest-income card listing free lounge access.
- Purchases abroad: only the Visa Wealth Management states "no international fees" on the page; the charge for the others is not in the published text. Compare in the best cards to use abroad.
- Occasional use: on cards issued since November 2025, months with no use or debt are exempt from the charge, according to the fee schedule.
Frequently asked questions about the Scotiabank credit card
How much does the Scotiabank Visa Gold cost?
0.21 UF a month plus 1.50 UF every six months: 5.52 UF a year, about CLP 227,863 at the November 6, 2026 UF, without discounts.
What income does Scotiabank require for a credit card?
From CLP 500,000 net for the Visa Gold, CLP 1,200,000 for the Platinum and Signature, CLP 3,000,000 for the Singular Signature and CLP 7,000,000 for the Singular Infinite.
What is the interest rate on Scotiabank cards?
Between 0.84% and 3.42% a month (10.05% to 41.02% a year), according to the bank's rates document. The maximum is the legal cap for debts up to 50 UF.
Is the semi-annual fee charged on every card?
If the customer has two or more Scotiabank credit cards, the semi-annual charge applies to only one, at the most favorable rate for the customer, according to the fee schedule.
Is the Cencosud card the same as a Scotiabank card?
No. The Cencosud Scotiabank card has its own rate board and conditions; this profile covers the bank's Visa cards.
This information is journalistic and educational, not financial advice. Check the conditions and the total cost (CAE) with the institution before signing up.
