Bancolombia Visa Oro review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bancolombia Visa Oro is a Colombian credit card with an annual fee of COP 0, aimed at households and small businesses. It suits people who will use the dining discounts and the app controls instead of chasing points on everyday spend, because the card earns no rewards none.
Key facts
- Best for
- A credit card in CO with no annual fee, app controls and dining discounts.
- Annual fee
- COP 0↗
- Rewards type
- None↗
- Perks
- 20% discount at selected restaurants via the American Express Dining Program, Weekly offers and benefits on the card, Switch the card on and off in the Mi Bancolombia app, Monthly instalment (up to 36 months) can be reduced or changed↗
- Card kind
- Credit↗
- Legal entity
- Bancolombia S.A.↗
- Headquarters
- Colombia↗
- Support channels
- Help-centre, Phone, Chat, Community↗
- Pricing model
- No annual fee
- Features
- Virtual card, Travel
- Audience
- Business, Kids
- Official website
- bancolombia.com
Debit cards
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- An annual fee of COP 0 on a no annual fee card, so there is no yearly cost to budget for at all.
- The card switches on and off in the Mi Bancolombia app, and a monthly instalment can be reduced or changed, so the balance can follow pay.
- A discount at selected restaurants via the American Express Dining Program, plus weekly offers on the card, add value in place of points.
- Support runs on help centre, phone and chat, so a card query can be answered by phone or chat rather than waiting on a form.
Cons
- The card pays no rewards none, so everyday spend earns nothing back and the perks have to carry the value.
- The issuer is Bancolombia S.A. in Colombia, so the app, the offers and the support are built for that home market.
Who it suits
- Households in CO that want a credit card with nothing to pay each year to keep the account open.
- People who want control, with the card switchable in the app and instalments they can reduce or change at any time.
- Business and kids' spend, the audiences business and kids the issuer names, with no annual charge to add on each year.
Who should look elsewhere
- Anyone chasing cash back, because this card pays no rewards none. bunq, with an annual fee of €0, is the euro area option.
- Readers wanting costs in their own currency, since Wise shows an annual fee of £0 on a UK listed card.
- Borrowers after a secured limit, for whom Varo Believe Secured Credit Card fits better, with an annual fee of $0.
The company behind it
The card is issued by Bancolombia S.A., which is headquartered in Colombia. Support runs through help centre, phone and chat, so a help centre, a phone line, a chat service and a community are open to cardholders. On a credit card, that mix decides how quickly a disputed payment or a blocked card is sorted, and every route sits with the bank that issued it.
How Bancolombia Visa Oro compares
Where Bancolombia Visa Oro is available
- Available
- Colombia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold the card?+
The annual fee is COP 0, sold on a no annual fee basis, so there is no yearly charge to budget for. A virtual card and travel support also sit among the account features virtual card and travel.
Does the card earn cashback, points or miles?+
No. The rewards type is none, so nothing comes back on what you spend. The card relies on a discount at selected restaurants via the American Express Dining Program and on weekly offers and benefits on the card, which suits spending that already runs through dining.
How do I get help with the card?+
Support runs on help centre, phone and chat, so a help centre, a phone line, chat and a community are open to you. The card is issued by Bancolombia S.A., so a question about a payment or a changed instalment goes to the bank that issued it.
Can I control the card from my phone?+
Yes. The perks 20% discount at selected restaurants via the American Express Dining Program, Weekly offers and benefits on the card and Switch the card on and off in the Mi Bancolombia app include switching the card on and off in the Mi Bancolombia app, so it can be blocked when it goes missing and released again for the next payment. The annual fee stays at COP 0 while it is held.
Can I change a monthly instalment later?+
A monthly instalment can be reduced or changed under the perks 20% discount at selected restaurants via the American Express Dining Program, Weekly offers and benefits on the card and Switch the card on and off in the Mi Bancolombia app, so a purchase spread across the month does not have to stay the same size when income moves. The card is a credit card, and the annual fee is COP 0.
Is the card available outside Colombia?+
The issuer is Bancolombia S.A., headquartered in Colombia, and the card runs on mastercard. The app, the offers and the support are built for that home market, so a reader in the UK or Europe is applying to a foreign bank rather than a local one.
Who is the card aimed at?+
The issuer names business and kids among the groups it serves, so the card targets business spending and children as much as personal day to day use. Support through help centre, phone and chat helps when a card sits in a child's hand or in a small business expense account.
What should I do if the card is lost?+
Switch it off in the app, since switching the card on and off sits among the perks 20% discount at selected restaurants via the American Express Dining Program, Weekly offers and benefits on the card and Switch the card on and off in the Mi Bancolombia app, then report it through help centre, phone and chat. The issuer is Bancolombia S.A., so the same bank that issued the card handles the block and any replacement.
Sources
- bancolombia.com checked September 26, 2026
Backs: Audience
- bancolombia.com/personas/cuentas/ahorros-y-corriente/glob... checked September 26, 2026
Backs: Currencies
“Convierte pesos a USDW y EURC”
- bancolombia.com/personas/productos/tarjetas-credito/ameri... checked September 26, 2026
Backs: Perks, Rewards type
- bancolombia.com/personas/tarifario/tarjeta-de-credito checked September 26, 2026
Backs: Annual fee, Card kind, Headquarters, Legal entity, Pricing model, Support channels
“Carrera 48 # 26 - 85 Medellin - Colombia”
- bancolombia.com/personas/tarjetas-debito checked September 26, 2026
Backs: Card type, Features, Card network
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.
Related by the facts
Bancolombia Visa Oro
A credit card in CO with no annual fee, app controls and dining discounts.