The Itaú Chile Credit Card gives you an efficient way to manage both local and international spending. You can pay in installments, earn points, and track everything in one app.
This article explains the benefits, card options, and how to apply for one. The Itaú Chile Credit Card is designed to fit your needs with flexible terms and modern features.
Everyday Use and Digital Features
This section explains how the card works for your daily needs. You’ll see the main functions in a clear list format for easier understanding.
- Make everyday purchases easily: Use your card for in-store, online, or subscription payments across Chile.
- Split payments with no interest: You can divide eligible purchases into three interest-free installments automatically at most Chilean stores.
- Manage everything digitally: Use the Itaú App or website to track spending, pay your bill, and adjust limits whenever needed.
- Connect with digital wallets: The card works with Apple Pay, Google Pay, and Garmin Pay for faster, contactless transactions.
- Use QR code payments: Through the Itaú App, you can scan codes and pay without entering card details.
Types of Itaú Chile Credit Cards
Each version of the Itaú Chile Credit Card offers different levels of benefits, costs, and point policies. You can choose based on your income level and reward preferences.
Blue Card
The Blue card is ideal for basic users who want a standard credit card with moderate benefits. It charges a monthly administration fee of UF 0.20 and includes a 2.5% commission on international purchases.
Itaú Points earned with this card last 18 months, and users spending over $600,000 CLP per month earn a 5% bonus. It’s a good starting point if you want essential functions and a manageable fee.
Black Card
The Black card offers stronger international and travel advantages with a fee of UF 0.40 per month.
You don’t pay any commission for international purchases, and your points remain valid for 36 months. A 10% bonus is added to your monthly point total if your spending exceeds $600,000 CLP.
Additionally, this card includes VIP lounge access in Chile, which is helpful if you travel frequently.
Legend Card
The Legend card is the premium option and comes with a fee of UF 0.60 monthly. It has no commission on international purchases, and your points never expire as long as you make three purchases per year.
Users spending more than $600,000 CLP each month earn a 15% bonus in points. The card also includes airport transfers, global VIP lounge access, and the ability to transfer points to other Itaú customers.
Points, Discounts, and Extra Perks
This section covers the reward system, shopping benefits, and restaurant deals available to all cardholders.
With any Itaú Chile Credit Card, you automatically earn Itaú Points for every eligible purchase. These points can be redeemed through the Itaú platform for gift cards, electronics, subscriptions, and even travel.
You also receive store discounts at over 100 retail partners and up to 40% off at select restaurants via the Gourmet Route promotion.
These benefits change monthly, encouraging you to check for updates through the Itaú website or app and use your card strategically to save more.
Application Requirements
You must meet basic conditions before submitting an application. These requirements help the bank assess your eligibility.
- Age requirement: Applicants must be at least 21 years old. This is a mandatory condition checked during the application process.
- Income requirement: A minimum net monthly income of $800,000 CLP is required. This confirms your ability to manage credit responsibly.
- Employment status: You must be employed or receiving regular income. Proof of income may be requested for verification.
How to Apply and Activate Your Card?
Applying and activating the card is simple and handled entirely online. This section includes two parts: application and activation.
Application Process
You can apply online in just a few simple steps. The process is fast and fully digital.
- Visit the Itaú Chile website or app: Start by accessing the Itaú App or the official website at itau.cl. These are the only official channels where you can begin your credit card application securely.
- Choose your preferred card: Browse through the available credit cards and select the one that fits your needs, income, and usage habits. Each option displays key benefits and monthly fees for easier comparison.
- Fill in your personal details: Complete the online form with your name, employment status, income level, and other relevant information. Make sure all entries are accurate and verifiable to avoid delays.
- Wait for approval notification: After submitting the form, you’ll get updates via email or app notifications. The review process usually takes a short time if your documents are in order.
- Receive and activate your card: Once approved, your physical card is delivered to your registered address. A digital version will also be available in the app for immediate use while waiting for the physical card.
Activation Steps
After receiving your card, follow these quick steps to activate it. This allows you to start using the card for purchases and digital payments.
- Log into your Itaú App or visit itau.cl: Use your registered account to access the platform. This ensures you’re using a secure and official channel to manage your card.
- Find the activation option: On the main screen, look for the banner that says “Activate your cards.” It usually appears at the top of your dashboard once the card has been issued.
- Set your security PIN or key: Follow the instructions to create a personalized card key or PIN. This step protects your card and allows it to work in physical and online purchases.
- Finish setup and confirm: After setting your key, confirm the activation to complete the process. Your card is now ready for store use, online transactions, and wallet payments like Apple Pay or Google Pay.
How to Use Your Card Abroad?
Your Itaú Chile Credit Card can be used internationally after activation. Here’s how to enable this option.
In the Itaú App, choose “Credit Card” and look for the “Use card abroad” option. You’ll need to enter the date range for your trip and select the destination countries.
Once confirmed, your card will be ready to use internationally for the chosen period. It’s important to enable this before you travel, and the feature can be turned off anytime when you’re back in Chile.
Lost or Stolen Card? Here’s What to Do
You can block your card instantly if it’s stolen, lost, or compromised.
From the Itaú Chile App, select the card and navigate to the “Card blocking and replacement” section. Choose the affected card and press “Block permanently,” which also triggers a replacement request.
A new card will be issued and delivered to your address. This fast process helps you reduce risk and continue using your account securely.
Costs and Interest Breakdown
Understanding monthly fees and possible charges is key to managing your card properly.
Each card type has a different fixed monthly fee: UF 0.20 for Blue, UF 0.40 for Black, and UF 0.60 for Legend. Only the Blue card applies a 2.5% fee on international transactions.
There are no interest charges if you pay your full balance monthly or use the interest-free installment option. Foreign exchange costs may apply depending on the currency and platform used for international purchases.
Get Help or Contact Itaú
If you need assistance with your card or application, support is available in multiple ways.
You can call 600 686 0888 from within Chile or +562 2686 0888 if you’re abroad. You can also visit their office at Avenida Presidente Riesco 5537, Las Condes, Santiago, Chile.
The support team can help you with card settings, redemption questions, lost card procedures, or technical issues in the app. Services are available during standard business hours and through the digital help center.
Why This Card Could Work for You?
The Itaú Chile Credit Card gives you more than just credit access. You can earn points, unlock restaurant and retail discounts, and use the card confidently at home or abroad.
There are flexible plans for different spending levels, and everything can be managed online. If you’re eligible, now’s the time to apply and use the Itaú Chile Credit Card to make smarter purchases.
