December is historically one of the most difficult months for the family budget. Bonuses, parties, vacations and medical expenses come together in one explosive cocktail. However, an unexpected window of relief opened in the pharmacy sector: Banks competed with discounts of up to 35%an unusual level even for seasonal promotions.
The epicenter of this refund war is Farmapluswhere the most aggressive promotions on the market are concentrated. Over there, Galician bank Offers 35% discount on Thursdayswith a limit of $8,000 monthly and one crucial difference: Up to 6 interest-free installmentsideal for large purchases of medicines, dermocosmetics or perfumery.
In the same chain, ICBC corresponds to that 35% discountwith application Thursday and Fridayalso with Cap of $8,000. This allows greater flexibility in organizing the purchase and prevents loss of benefit due to scheduling issues.
He Macrobank Completes the trident of 35% in Farmaplus and allows the discount on Tuesday and Thursdaywith the same limit of $8,000 monthly. Parallel to that Supermuch play hard PharmacyOffer Thursdays 35%with a limit of $6,000 and the possibility of 3 interest-free installmentsa highly valued combination in an inflationary context.
Farmacity, the most competitive battlefield of the month
By volume and national presence, Pharmacy It became the most complex – and attractive – scenario for the consumer. The number of active promotions forces you to pay careful attention Day of purchase and the card usedbecause the savings can amount to thousands of pesos.
The Thursday They concentrate the best benefits. Orange Offers 30% discountwith 3 interest-free installments and a Cap of $6,000 per daywhich makes it possible to divide large purchases into several weekly visits. On the same day, Santander bank returns 25%but with one much higher limit of $10,000 per monthideal for recurring expenses.
Galician bank replicates the Thursdays 25% in Farmacity, also with Cap of $10,000. For those who buy this Friday, Credicoop Bank appears with one of the most solid promos on the market: 30% discountwith Cap of $9,000 that renews every weeka decisive advantage for long-term treatments.
The beginning of the week also offers options. BBVA Offers Mondays 20%with Cap of $10,000while Mortgage bank (25% Monday and Tuesday) and City bank (20% on Mondays) round off the offer. There are also special promotions dailyas Macro Bank (10%)which is characterized by a very high limit of $15,000 per monthideal for those who cannot adapt their purchases to a specific day.
Interest-free installments: the silent discount that only a few calculate
In a country with persistent inflation, Paying in installments without interest is a hidden savings. Many companies have recognized this and combined direct refunds with financing to increase real benefits.
Orange stands out once again on the digital channel. In FarmaonlineThe Thursday Offers 20% discount + 3 interest-free installmentswith a Limit of $12,000 per monthone of the highest on the online market. In smaller chains, such as Sanchez Antoniolliactivated directly 4 interest-free installments dailywithout having to wait for certain actions.
In FarmaVIPHe BBVA apply a Tuesdays 30%with Cap of $9,500while Galician bank Addition Tuesdays 20% with Cap of $10,000. Credicoopappears again Friday with his 30% And weekly limit of $9,000thereby repeating his aggressive strategy.
The online channel is also fertile ground. In addition to orange Santander Offers in Farmaonline A Thursdays 10%which is expanded with 6 installments with no interest and no repayment limita rarity that is crucial for very high value purchases.
Retirees, public banks and the fine print that defines savings
Not all promotions are universal and The fine print makes the difference. Many discounts only apply on certain days, others are segmented by customer type, which is important to avoid surprises at checkout.
He National Bank maintains specific benefits for retiredOffer 10% discount on Wednesdays In Pharmacy And Sanchez Antoniolliwith monthly limit of $10,000. It is a stable and predictable option for older adults in an area where costs typically recur.
Some companies rely on consistency rather than percentages. The already mentioned Macrobankwith his 10% every day at Farmacity And Cap of $15,000is a clear example: it doesn’t dazzle because of the discount, but it dazzles because of the monthly accumulation capacity.
After all, banks like ICBC, Supermuch And Galicia Combine relevant discounts with interest-free installments on specific days, requiring minimal planning. In December, It’s not enough to go to the pharmacy: You have to know What day you want to go and what card you want to pay with.
Conclusion: Paying less is possible, but you have to play the game
December gives no peace, but Pharmacies have become one of the few areas where inflation can still be beaten. With discounts of up to 35%stops this range $15,000 and interest-free installments, saving is possible for anyone who takes five minutes to check their wallet.
The most expensive mistake is paying “as usual”. In a month where every peso counts, Using the right card on the right day can mean a difference of thousands of pesos. The promotion is active, the benefit is legal and the savings are real. You just have to use it.
December has arrived with seasonal inflationary pressures forcing consumers to sharpen their pencils, particularly in inelastic areas such as health and personal care. In this scenario, a select group of financial institutions collapsed into the market Reimbursements that are well above the average for other industries.
About The Author
