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In August 2020, a rule of the Banking, Insurance and AFP (SBS), which established the obligation of banking organizations to have a card for which no annual membership fee is charged.
This measure was established with the aim of providing users with more options when entering into contracts. Credit cardsbut which banks, finance companies and savings banks offer these products?
There are currently 12 financial institutions in the country that offer credit cards without an annual membership fee, according to their web pages.
it’s nine bankstwo financial companies and a rural savings bank that provide this product:
- Banco BBVA offers Zero BBVA and flat fee credit cards.
- Banco de Credito del Peru (BCP) has a Visa Light credit card.
- Interbank has Visa Access and Vea Privada credit cards.
- Scotiabank offers a non-membership Visa credit card.
- BanBif has a BanBif Zero Membership credit card.
- Banco Falabella has a CMR Visa Basic credit card.
- Banco Ripley offers a Mastercard Basic credit card.
- Banco GNB offers three cards: Visa Platinum, Visa Gold and Visa Classic.
- Banco de Comercio offers a classic credit card without membership.
- Financial Oh Offers Ceroh Credit Card!
- CrediScotia Financiera offers a MasterCard Without Membership credit card.
- Caja Rural de Ahorro y Crédito Cencosud Scotia offers a Visa Simple credit card.
What is a membership?
An annual membership is a fee charged by financial institutions for card-based benefit management services, such as administering rewards programs, whether points or miles.
If you want to benefit from Credit cards it will be subject to membership fees, which may eventually be exempt, but it is necessary to ask the banks if the consumption each month can access the exemption or it is necessary to have a minimum consumption,
Please note that if it is purchased in installments with a credit card, it is not exempt from membership fees, as it is a one-time consumption funded by several installments, as opposed to receiving basic services, which are considered monthly consumption.
Source: RPP
I am Dylan Hudson, a dedicated and experienced journalist in the news industry. I have been working for Buna Times, as an author since 2018. My expertise lies in covering sports sections of the website and providing readers with reliable information on current sporting events.