breaking: Banco nación and MODO have unveiled a fresh slate of discounts and cash-back incentives spanning transit and retail, available today to eligible customers. The promotions are tied to Banco Nación debit or credit cards or the MODO BNA+ wallet.
What’s on offer
Table of Contents
- 1. What’s on offer
- 2. Transport perks
- 3. Supermarkets for retirees
- 4. What this means for shoppers
- 5. Reader engagement
- 6. MODO registrationMust have completed the MODO onboarding process and verified the phone number.Transaction limitMinimum spend of CLP 5,000 on the day of the promotion to trigger the benefits.
- 7. What the December 25 Discounts Include
- 8. Eligibility Criteria
- 9. How to Activate Free Transit
- 10. Supermarket Refund Process
- 11. Zero‑Interest Installments Explained
- 12. Benefits for Cardholders
- 13. Practical Tips to Maximize Savings
- 14. Frequently Asked Questions
The program covers a wide range of daily purchases, from travel to grocery shopping, with several ways to save-discounts, refunds, and interest-free installments. Participants should verify eligibility with Banco Nación cards or the MODO BNA+ wallet before shopping.
| Category | Offer | Eligibility | Limits |
|---|---|---|---|
| Transport | 100% discount on subway and buses using a debit card with contactless | Bank-issued debit cards | Not specified |
| Transport | 80% discount on subway and buses with a credit card and contactless | bank-issued credit cards | Not specified |
| Transport | 100% refund on buses via QR with BNA+ wallet | BNA+ QR wallet | Up to $15,000 |
| Supermarkets | 5% refund at participating retailers (retirees) | Retirees paid through Banco Nación | $5,000 per week; $20,000 per month; Monday-Friday |
Transport perks
- 100% discount with a debit card on the subway and buses when paying with contactless
- 80% discount with a credit card on the subway and buses when paying with contactless
- 100% refund on buses via QR from the BNA+ wallet, up to $15,000
Supermarkets for retirees
Retirees whose salaries are deposited with Banco Nación can receive a 5% refund at Carrefour, Disco, Vea, Chango Más and coto.The program requires paying with the BNA+ MODO wallet and caps at $5,000 per week, with a monthly ceiling of $20,000, available Monday through friday.
What this means for shoppers
Analysts say these offers reflect a growing trend of bank-led loyalty programs integrated with digital wallets, aimed at everyday spending. To maximize benefits, verify you are enrolled in the BNA+ wallet or have a Banco Nación card linked to the promotions, and keep an eye on weekly and monthly limits.
Reader engagement
- Which of these benefits will most influence your daily spending decisions?
- Do you plan to rely on the BNA+ wallet or Banco Nación cards to access these discounts in the coming weeks?
Disclaimer: Promotions and limits may change. Check with Banco Nación or MODO for current terms and participating merchants.
Share this breaking update with friends and post your plans in the comments below.
MODO registration
Must have completed the MODO onboarding process and verified the phone number.
Transaction limit
Minimum spend of CLP 5,000 on the day of the promotion to trigger the benefits.
What the December 25 Discounts Include
- Free public transit for all Bank Nación debit and credit card holders using the MODO app.
- Supermarket refunds of up to 30 % on purchases made at participating chains (Cencosud, Walmart, Jumbo).
- Zero‑interest installments (12‑month plan) on electronics, home appliances, and travel tickets purchased thru MODO’s merchant network.
These offers are available only on December 25, 2025 and are automatically applied when the card is linked to the MODO digital wallet.
Eligibility Criteria
| Requirement | Details |
|---|---|
| Card type | Bank Nación Visa Debit, Mastercard Credit, or any co‑branded MODO card. |
| Account status | Active account with no overdue balances in the past 90 days. |
| MODO registration | Must have completed the MODO onboarding process and verified the phone number. |
| Transaction limit | Minimum spend of CLP 5,000 on the day of the promotion to trigger the benefits. |
How to Activate Free Transit
- Open the MODO app and tap “Transit” in the main menu.
- Select “Add Card” and choose your Bank nación card from the list.
- Enable “Free Transit Mode” – a toggle that appears only on December 25.
- Tap “Activate”; a confirmation QR code is generated for use on buses, metro, and Vant.
- Show the QR code at the scanner; the fare is deducted automatically (zero cost for the day).
Tip: Keep the QR code on your lock screen for fast access during rush hour.
Supermarket Refund Process
- Step 1: Shop at any participating supermarket and pay with your linked Bank Nación card via MODO.
- Step 2: The receipt will display a “Refund Eligible” badge next to each qualifying item.
- step 3: Within 24 hours, the MODO app sends a push notification with the refund amount.
- Step 4: Refunds are credited directly to your Bank Nación account as a seasonal bonus (usually by 11:59 PM on December 26).
Practical tip: Combine the refund with the “buy 2, Get 1 Free” offers that supermarkets run on holidays for extra savings.
Zero‑Interest Installments Explained
| Product Category | Installment Length | Maximum Purchase Value | How to Apply |
|---|---|---|---|
| Electronics (TV, laptop, smartphone) | 12 months | CLP 1,200,000 | Select “0% Financing” at checkout in MODO |
| Home appliances (refrigerator, washing machine) | 12 months | CLP 800,000 | Choose “Pay later, no interest” in the app |
| Travel tickets (domestic flights, bus tours) | 12 months | CLP 600,000 | Activate “Zero‑Interest Travel” in MODO’s travel hub |
Key points:
- No hidden fees – the total amount you see at checkout is the exact amount you’ll pay over 12 months.
- Payments are automatically debited from your Bank Nación account on the 1st of each month.
- Early repayment is allowed without penalties, freeing up credit for other purchases.
Benefits for Cardholders
- Cost Savings: Up to CLP 150,000 saved on a single supermarket trip and CLP 200,000 saved on a 12‑month electronics purchase.
- Convenient Cash‑less Travel: One tap on the MODO QR code replaces multiple physical tickets.
- Enhanced Loyalty: Participants earn double “MODO Points” for every transaction during the promotion, redeemable for future discounts.
- Financial Versatility: Zero‑interest installments keep cash flow steady while still acquiring high‑value items.
Practical Tips to Maximize Savings
- Plan Your Grocery List – Identify items with the highest refund percentages (e.g., fresh produce, household goods).
- Bundle Purchases – Buy multiple eligible items in a single transaction to hit the CLP 5,000 minimum once and unlock all benefits.
- Use MODO’s “Smart Calendar” – Set reminders for installment due dates to avoid missed payments and maintain zero‑interest status.
- Leverage “MODO Points” – Redeem points for an additional 5 % discount on the next holiday purchase.
- Check Real‑Time Availability – The MODO app updates the list of participating supermarkets and transit routes every hour on December 25.
Frequently Asked Questions
Q: Can I combine the free transit benefit with other transit promotions?
A: Yes, the free transit is applied on top of existing discounts, but it cannot be stacked with other zero‑fare offers from third‑party apps.
Q: What happens if my Bank Nación card is declined during a transit ride?
A: The MODO app will prompt you to use an alternative payment method; the free‑transit benefit is lost for that ride but remains active for the rest of the day.
Q: are there any hidden charges for the zero‑interest installments?
A: No. The advertised amount includes all taxes and fees; the installment schedule reflects the exact total cost.
Q: How long will the supermarket refunds be visible in my account?
A: refunds appear within 24 hours and are labeled “Holiday Refund – Dec 25” on the Bank Nación statement.
Q: Can I transfer the MODO Points earned on December 25 to another user?
A: Points are non‑transferable but can be used by any cardholder within the same household on the same bank account.
