Benefits of the Ripley card in Chile and its commissions

  • The Ripley card offers exclusive benefits on purchases and discounts at Ripley and partner stores.
  • Access to accumulate points in RipleyPuntosGo for each purchase made.
  • Competitive fees and various cash advance options for greater financial flexibility.
  • Possibility of requesting additional insurance and travel coverage benefits.
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Having a credit card is undoubtedly a great benefit. In this article you will know the benefits of the ripley card, requirements, characteristics and commissions. One of them may be for you!

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Benefits of ripley card

Banco Ripley offers its customers the possibility of having a credit card. Next, we offer you in detail everything you need to know about this important banking instrument. This bank has two excellent credit cards available for the enjoyment of its customers. Next, we explain each of the benefits of the ripley cards.

1.- Basic Ripley Card

The Ripley Basic credit card allows the customer to make purchases at Ripley stores and associated businesses throughout Chile.

Benefits of the Ripley Basic Card

There are many benefits offered by the basic Ripley card, allowing the customer to solve emergency situations and enjoy some pleasures with economic comfort such as trips around the country, family outings, restaurants, among others. Let's detail these benefits:

  • Make purchases with unbeatable discount opportunities, exclusively for you in Ripley stores and online through the Ripley.com website
  • Receive a discount when the cardholder makes the first purchase of $10.000 in Ripley stores or $15.000 on the Ripley.com website with their benefits of the ripley card.
  • The customer has the opportunity to accumulate points in RipleyPuntosGo, in this way: For the purchase of every 100 pesos in Ripley stores, he accumulates 1 point. If the purchase is made in other establishments outside the stores, it accumulates 1 point for every 200 pesos.
  • You can make cash advances 24 hours a day through the Ripley.cl platform. You can also do it every day at Ripley Stores. Similarly, you can request a cash advance at Ripley Bank branches, Monday through Friday.
  • Allows you to cancel online accounts at no cost per transaction.
  • It offers the option of being able to insure the card with an unemployment, fraud or credit insurance policy.

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Ripley Mastercard

The Ripley benefits Mastercard credit card allows the customer to make purchases in Ripley stores and in any of the associated businesses in Chile and abroad. Let's see its main benefits. You'll be surprised!

Ripley Mastercard Card Benefits

The Ripley Benefits Mastercard card also offers many attractive benefits to holders of this banking instrument:

  • It offers excellent shopping opportunities for everything you need exclusively at Ripley stores, as well as through the Ripley.com platform.
  • It allows you to accumulate points in RipleyPuntosGo: 1 point for every 100 pesos in Ripley stores and 1 point for every 200 pesos in consumption outside Ripley stores.
  • You can make cash advance transfers 24 hours a day on the Ripley.cl website and every day at Ripley stores. You can go to Banco Ripley's agencies or branches from Monday to Friday, during banking hours, to seek a cash advance.
  • Pay bills online without commission for the transaction made.
  • Possibility of accessing the Comparte Mastercard program and its excellent and exclusive benefits.
  • All your purchases are insured against theft, theft or damage.
  • If you are abroad, you can use your Ripley benefits card at ATMs, as well as make purchases and consumption.
  • Receive security messages on your cell phone for purchases over $50.000 to verify that you are actually making the consumption.
  • You will not pay commission for purchases made, whether physical or online, abroad.
  • Accumulate points on all purchases: 2 points for every $200 pesos in Ripley and 1 point for every $200 pesos in case the consumption is in other stores.
  • Use a unique key. The password you use to enter the Ripley platform is also used to make payments on other internet sites. You can also use it at Banco de Chile ATMs, as well as make purchases at associated businesses.

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Debit

You already know the Ripley card credit benefits, Now we will tell you about the debit card.

If they have a Vista account at Banco Ripley, you will be credited with a debit card. Next, we present its benefits.

Ripley Debit Card Benefits

  • Make purchases and consumption with excellent discount opportunities in Ripley stores and on the Ripley.com website
  • You can accumulate points for your purchases at RipleyPuntosGo. How are points accumulated? In this way: 1 point for every 100 pesos spent in Ripley stores and 1 point for every 200 pesos spent outside Ripley stores.
  • Use your debit card at ATMs in Chile and abroad (CIRRUS) and directly at the tills of any Banco Ripley agency.
  • If you travel abroad you can make your purchases and other consumptions with confidence.
  • Pay your bills and services online without any additional cost charged to your account for these transactions.

Requirements to opt for Ripley Cards

All people can apply to have the prestigious credit cards, however, they must meet some requirements demanded by the Ripley Bank. They are the following:

  • Have a valid identity card.
  •  Being a natural person
  • Demonstrate a liquid monthly income.
  • Foreigners must have their definitive residence.
  • Be 18 years old.
  • Have a permanent address.
  • Enjoy a fixed network telephone line.
  • Submit proof of stable employment.
  • Not be in arrears or be subject to a protest due to insolvency of payment.
  • Not be on the Dicom list.
  • Comply with the approval established by CAR SA In this sense, they will consider if you were rejected from a previous application.

Commissions

As you should know, banks charge commissions for their services. Next, we are going to see the cost that you must pay for the use of Ripley benefits credit and debit cards.

Basic Ripley Card Fees

The charge for commissions of this credit card are the ones that we mention below:

  • Living expenses is 0,1231 UF
  • For cash advance the minimum monthly rate is 2,03%
  • Commission for refinancing minimum monthly rate is 1,91%
  • The commission for collection expenses is distributed as follows: 9% on overdue debt of up to 10 UF, 6% for the part that exceeds 10 UF up to 50 UF and 3% for the part that exceeds 50 UF.

Ripley Mastercard Card Fees

The Ripley Mastercard will charge fees for the service. We detail them:

  • 0,1231 UF card maintenance
  •  For cash advance in Chile: 0.0541 UF each time you make an advance.
  • Charge for cash advance at minimum monthly rate is 2,03%
  • Payment for refinancing at the minimum monthly rate is 1,91%
  • You will pay for collection expenses 9% on overdue debt of up to 10 UF, 6% for the excess of 10 UF up to 50 UF and 3% for the part that exceeds 50 UF.
  • There is no commission charge for purchases and consumption.
  • No commission on all purchases and advances that the cardholder makes abroad.

Ripley Debit Card Fees

The Ripley debit card also incurs some fees, although they are much less than credit card fees. They are the following:

  • Maintenance or maintenance fee the charge is 0,2 UF
  • It does not charge a maintenance fee in case you receive in your account affiliated with the card, your salary deposit, that is, the payroll payment for employment.
  • Nor does it generate expenses if you make payments to your account from $270.000 per month.
  • You will not pay commission for purchases or consumption.

More than benefits of la ripley card

As we have been mentioning throughout this article, the Ripley benefits credit card is a form of payment that you can use in associated businesses such as pharmacies, supermarkets, gas stations and more.

It allows you to make purchases in installments, giving you the option to choose in how many installments you want to pay for purchases of appliances, furniture and other goods, you can also make partial payments and enjoy the discounts.

It also offers you a very important benefit and that is that you can request additional Ripley card benefits for your family members, at no cost. If you want to know more about how credit cards work in general, I invite you to follow the link  How to Manage a Credit Card?

Continuing with the great benefits that these cards give you, we tell you that you can recharge your cell phone balance. Through any of the Banco Ripley benefits credit cards you have the opportunity to take out life, vehicle and home insurance. A great peace of mind that is priceless!

It also offers you travel coverage through an alliance between the Ripley benefits card and Concha so you can travel and enjoy well-deserved vacations.

If you wish to request an increase in the limit or quota of your Ripley credit card, you must update your work data in order to be evaluated, remember that you must not have fallen into a state of delinquency. Then you make the request at any of the Ripley stores throughout the national territory.

Most customers wonder how to find out how many Ripley points they have accumulated. Very simple you must enter your rut and immediately they will give you your balance. You can also see it in your monthly account statement to date. You can also consult it at all the Ripleymatics that are in the stores or in the bank branches and finally you can make the consultation through the telephone number 800203220 customer service.

Hopefully you do not need to request a refinancing due to non-payment of your cards, if so, go to the bank with your identity card and you will receive refinancing between 6 and 48 installments.

Watch in this video the great benefits offered by Riley Benefits Card.


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