Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in Chile? We've analyzed 5 Credit Cards from top banks operating in Chile to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in Chile (2026)
1. Santander BR Visa Infinite
Bank: Santander
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 14.00% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Lounge Access, Dinning Benefits, Entertainment Benefits
Santander Brazil flagship with unlimited lounge access, Esfera rewards, and comprehensive travel protection.
2. Santander BR Platinum
Bank: Santander
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 14.00% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Lounge Access, Dinning Benefits, Entertainment Benefits
Mid-premium card with Esfera rewards, limited lounge visits, and entertainment pre-sale access.
3. Santander BR Free
Bank: Santander
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 14.00% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Purchase Protection
No-annual-fee card earning Esfera points on purchases for cost-conscious customers wanting basic rewards.
4. Santander BR SX
Bank: Santander
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 14.00% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Cash Back, Purchase Protection
Digital-first card with cashback rewards, no annual fee, and simplified app-based experience.
5. Santander MX Visa Infinite
Bank: Santander
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 3.00% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Lounge Access, Dinning Benefits, Entertainment Benefits
Santander Mexico flagship with unlimited lounge access, top travel insurance, and exclusive lifestyle concierge.
How to Choose the Right Card
When comparing Credit Cards in Chile, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in Chile
Want to see all available options? Compare all Credit Cards in Chile →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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