TABLA COMPARATIVA DE COMISIONES Y REQUISITOS

Comisiones
Producto

Institucin

Nombre del producto

HEB Tradicional
Privada
HEB Pagos
Sugeridos
Quincenales
Wal-Mart Pagos
Sugeridos
Quincenales
Suburbia
Tarjeta de
Crdito
MicroNegocios
Bancomer
Tarjeta de
Crdito
Empresarial
Tarjeta de
Crdito
Empresarial
Empresarial
Bsica

Requisitos
Ingresos
mnimos
comprobables

Tasa de
CAT
inters
sin IVA
promedio

Anualidad

Anualidad
tarjeta
adicional

Gastos de
cobranza

Falta de
Pago

Reposicin

$282

$145

$277

NA

$104.00

$2,000

ND

ND

$150

$77

$79

NA

$104.00

$2,000

ND

ND

$311

$0

$230

NA

$104.00

NA

ND

ND

$282

NA

$126

NA

$104.00

$2,000

ND

ND

$750

NA

NA

NA

$100.00

Ventas mnimas
mensuales de
$20 mil pesos

ND

ND

$950

NA

$250

$250.00 o 5%
del pago vencido

$100.00

ND

ND

ND

$600

$600

NA

NA

$150.00

ND

ND

ND

$500

$250

$250

$250

$100.00

ND

ND

ND

$0

$0

$0

$0

$0.00

$10,000

ND

ND

pag 1/14

Empresario

$500

$250

$300

NA

$150.00

ND

ND

ND

Empuje Negocios

$750

4 sin costo,
adicional $750

$279

$0

$243.50

$25,000

ND

ND

Costco

$300

$150

$330

$330

$130.00

$7,000

ND

ND

NA

NA

NA

NA

NA

$12,000

ND

ND

$1,500

$750

$330

$330

$140.00

$25,000

ND

ND

Soriana

$300

$150

$200

$200

$130.00

$3,000

ND

ND

Soriana Pagos
Fijos

$200

$100

$100

$100

$130.00

$4,000

ND

ND

Merza-Bajo

NA

NA

NA

$200

$100.00

ND

ND

ND

Mifel Bsica

$0

NA

$0

NA

$0.00

$10,000

ND

ND

SCard Bsica

NA

NA

NA

NA

NA

$20,000

ND

ND

Elite Rewards
Clsica

$590

$295

$330

$330

$140.00

$7,500

ND

ND

Elite Rewards
Oro

$950

$475

$330

$330

$140.00

$7,500

ND

ND

Elite Rewards
Platino

$1,200

$300

$330

$330

$140.00

$25,000

ND

ND

Base
Santander Black
Unlimited

pag 2/14

Free

NA

NA

$330

$330

$140.00

$7,500

ND

ND

Scotia Travel
World Elite

$3,900

$0

$350

NA

$140.00

$100,000

ND

ND

INVEX
Empresarial

$850

NA

$495

NA

$500.00

ND

ND

ND

Empresarial
Banorte

$0

$504

$279

$0

$243.50

$10,000

ND

ND

Tarjeta de
Crdito Telmex

$0

$0

$300

NA

$0.00

1 ao con
lnea Telmex

ND

ND

$350

$150

$250

$0

$100.00

Comprobante de
ingresos no mayor a
30 das

ND

ND

$500

$300

NA

NA

$300.00

ND

ND

ND

$1,000

$500

NA

NA

$200.00

ND

ND

ND

$0

$0

$0

$0

$0.00

$0

ND

ND

Access

$1,800

$700

$330

$330

$140.00

Ventas anuales
mayores a
$1,000,000 pesos

ND

ND

Modelo

$0

$0

NA

$330

$140.00

$7,500

ND

ND

$310

$0

NA

$310

$140.00

$2,750

ND

ND

Famsa
Tarjeta de
Crdito Afirme
SOCIO PYME
Tarjeta de
Crdito
Empresarial
Afirme
Consutarjeta
Bsica

Universidad
Panamericana

pag 3/14

Tarjeta
Negocios
Bancomer
Santander
American
Express

0.5% del importe

de la lnea

NA

NA

NA

$100.00

Ventas mnimas
mensuales de $50
mil pesos

ND

ND

$1,100

$550

$330

$330

$140.00

$10,000

ND

ND

Iberia Infinite

$2,500

$1,250

$330

$330

$140.00

$50,000

ND

ND

Banorte Fcil

$120

NA

$150

NA

$100.00

$3,000

16.08%

18.3%

Tarjeta de
Crdito Visa
Infinite

$4,905

NA

$0

NA

$0.00

Inversin mnima
de $1,000,000.00.

8.04%

18.3%

$750

NA

$300

NA

$0.00

Carta invitacin

16.86%

19.7%

$3,000

NA

NA

NA

$200.00

$70,000

13.35%

20.0%

HSBC Premier
World Elite
MasterCard

$0

$0

$340

NA

$150.00

$80,000

18.92%

20.6%

Ixe Bsica

$0

$0

NA

$0

NA

$10,000

18.99%

20.7%

Deportesmo
Platinum

$2,000

$1,000

$330

$330

$130.00

$25,000

15.85%

21.0%

Consutarjeta
Clsica Azul

$280

NA

NA

$300

$100.00

$0

17.47%

21.4%

$1,850

$840

$370

NA

$0.00

$25,000

16.49%

21.5%

Platinum
Inbursa
Mifel World
Elite

Platinum

pag 4/14

Ixe Infinite

$4,600

$0

$370

NA

$0.00

$100,000

11.92%

21.5%

IN Platinum

$0

$0

$300

NA

$150.00

$10,000

20.70%

22.8%

Ixe Platino

$1,850

$840

$370

NA

$150.00

$50,000

17.81%

23.1%

Banamex
Platinum

$2,000

$1,000

$300

$500

$130.00

$50,000

18.02%

23.6%

Bancomer
Platinum

$2,025

NA

$348

NA

$151.00

$50,000

18.75%

24.6%

Visa Platinum

$1,500

$750

$300

$300

$150.00

$30,000

20.10%

25.2%

Ixe United
Universe

$3,900

$2,000

$350

NA

$100.00

$60,000

16.17%

25.4%

Ferrari

$1,700

$850

$330

$330

$140.00

$25,000

20.13%

25.6%

Enlace Mdico
Inbursa

$250

$0

$300

NA

$0.00

$10,000

22.41%

25.6%

Fiesta Rewards
Platino

$1,850

$925

$330

$330

$140.00

$25,000

19.93%

25.7%

World Elite

$5,000

$1,000

$330

$330

$140.00

150,000
USD anuales

14.64%

25.8%

HSBC Platinum
MasterCard

$1,900

$750

$340

NA

$150.00

Por Invitacin

22.15%

28.6%

$0

$0

$300

NA

$0.00

Ser cliente
de Telcel

25.64%

28.9%

Telcel Inbursa

pag 5/14

Oro Inbursa

$0

$0

$300

NA

$0.00

$15,000

25.90%

29.2%

Santander
Platino

$2,100

$1,050

$330

$330

$140.00

$25,000

22.46%

29.4%

Afirme Blanc

$3,000

$1,500

$320

NA

$200.00

$150,000

20.25%

29.7%

HSBC Advance
Platinum

$1,900

$0

$340

NA

$150.00

$30,000

24.36%

31.5%

Light

$530

$265

$330

$330

$140.00

$7,500

23.71%

31.5%

Mifel Oro

$500

NA

NA

$250

$200.00

$20,000

26.33%

31.8%

Fiesta Rewards
Oro

$750

$375

$330

$330

$140.00

$7,500

25.80%

32.2%

Afirme Platinum

$2,300

$1,150

$320

NA

$200.00

$50,000

24.27%

32.3%

Aeromxico
Platinum

$4,500

$2,250

$300

$500

$130.00

$50,000

20.80%

32.7%

$0

$0

$330

$330

$140.00

$7,500

28.70%

32.8%

$2,500

$1,000

$350

NA

$100.00

$20,000

25.27%

34.0%

$810

$405

$330

$330

$140.00

$7,500

27.38%

34.5%

Unisantander K
Ixe United
Santander Oro

pag 6/14

Club de
Privilegios
Honda

$415

$207

$277

NA

$104.00

$6,000

27.23%

35.0%

Visa Oro

$600

$300

$250

$250

$130.00

$15,000

28.46%

35.0%

Santander Black

$950

$475

$330

$330

$200.00

$7,500

27.34%

35.1%

Santander Oro
Cash

$920

$460

$330

$330

$140.00

$7,500

24.46%

35.1%

Platinum HSBC

$1,900

$750

$340

NA

$150.00

$50,000

27.22%

35.2%

Santander Zero

$0

NA

$330

$330

$140.00

$2,750

31.12%

36.0%

Visa Clsica

$350

$175

$250

$250

$100.00

$7,000

28.65%

36.2%

Santander
Clsica

$540

$270

$330

$330

$140.00

$7,500

27.99%

37.3%

Aeromxico
Banamex White
Gold

$3,000

$1,500

$330

$330

$130.00

$20,000

27.13%

37.7%

The Home Depot

$600

$300

$330

$330

$130.00

$7,000

27.94%

37.9%

Ixe Oro

$770

$368

$370

NA

$130.00

$10,000

30.12%

38.0%

$0

$0

$0

$0

$0.00

$7,000

33.06%

38.6%

Visa Bsica

pag 7/14

Tarjeta Banamex
Teletn

$300

$0

$330

$330

$130.00

$7,000

30.95%

38.8%

Garantizada
Bancomer

$580

NA

$348

NA

$151.00

$5,000

28.88%

39.0%

Scotia Travel
Platinum

$1,850

$500

$350

NA

$140.00

$40,000

30.53%

39.6%

Best Buy

$600

$300

$330

$330

$130.00

$7,000

29.54%

40.1%

Gas Natural
Fenosa Inbursa

$250

$0

$300

NA

$0.00

$15,000

32.61%

40.6%

Oro Bancomer

$905

$0

$335

NA

$145.00

$20,000

31.99%

41.2%

$1,037

$539

$314

NA

$104.00

$25,000

30.57%

41.3%

$0

$0

$300

NA

$0.00

$5,000

35.09%

41.3%

$770

$368

$370

NA

$130.00

$7,000

32.82%

41.7%

The Platinum
Credit Card
American
Express

$2,340

3 sin costo,
adicional $890

$350

NA

NA

$30,000

31.34%

41.9%

Oro Banamex

$900

$450

$330

$330

$130.00

$15,000

32.82%

42.3%

Azul Bancomer

$580

$0

$348

NA

$151.00

$5,000

31.56%

42.7%

SAMS Club
Elite
Clsica
Inbursa
Tarjeta de
Crdito Oro

pag 8/14

Bsica HSBC

NA

NA

NA

NA

NA

$5,000

36.32%

43.0%

Tarjeta BAM

$595

$100

$495

NA

$150.00

$5,000

32.09%

43.6%

Banorte Tuzos

$770

$368

$370

NA

$130.00

$7,000

34.20%

43.7%

Citi/Aadvantage

$1,000

$500

$330

$330

$130.00

$12,000

33.65%

44.0%

$0

$0

$300

NA

$180.00

$10,000

37.01%

44.0%

Tigres
Deportesmo

$600

$300

$330

$330

$130.00

$7,000

32.58%

44.4%

INVEX
Manchester
United

$595

$295

$495

NA

$130.00

$5,000

33.16%

45.1%

$1,350

$675

$495

NA

$130.00

$5,000

35.50%

45.3%

Deportesmo
clsica

$600

$300

$330

$330

$130.00

$7,000

33.38%

45.5%

Bancomer
Educacin

$580

NA

$348

NA

$151.00

$5,000

33.61%

45.6%

$2,000

$1,000

$330

$330

$130.00

$50,000

31.49%

45.7%

$600

$300

$330

$330

$130.00

$7,000

33.80%

46.1%

IN Gold

SCard
Platinum INVEX

Travel Pass
Platinum Elite
Affinity Card

pag 9/14

Clsica
Banamex

$600

$300

$330

$330

$130.00

$7,000

33.89%

46.3%

Office Depot

$600

$300

$330

$330

$130.00

$7,000

34.21%

46.7%

Oro HSBC

$850

$325

$340

NA

$150.00

$12,000

36.10%

46.8%

Sper Tarjeta
de Crdito
Sam's Club

$500

$100

$300

$0

$50.00

$3,500

35.10%

46.9%

B-Smart Banamex

$600

$300

$330

$330

$130.00

$7,000

34.49%

47.1%

Mujer Banorte

$770

$368

$370

NA

$130.00

$7,000

36.15%

47.2%

Rayados
Bancomer

$580

$0

$335

NA

$145.00

$5,000

34.71%

47.2%

Bsica
American
Express

NA

NA

NA

NA

NA

$10,000

39.47%

47.5%

Afirme Oro

$800

$400

$320

NA

$200.00

$20,000

37.65%

48.0%

Pumas
Deportesmo

$600

$300

$330

$330

$130.00

$7,000

35.15%

48.1%

Sper Tarjeta
de Crdito
Suburbia

$500

$100

$300

$0

$50.00

$3,500

36.05%

48.2%

Toluca
Deportesmo

$600

$300

$330

$330

$130.00

$7,000

35.31%

48.3%

pag 10/14

Scotiabank Tasa
Baja Oro

$650

$315

$350

NA

$140.00

$15,000

37.93%

48.4%

Tarjeta de
Crdito
Clsica

$530

$240

$370

NA

$130.00

$5,000

36.19%

48.8%

Soriana
Coemitida

$520

$250

$275

$275

$130.00

$3,000

36.58%

49.2%

Amrica
Deportesmo

$600

$300

$330

$330

$130.00

$7,000

36.04%

49.4%

Travel Pass

$900

$450

$330

$330

$130.00

$15,000

33.66%

49.4%

Clsica HSBC

$560

$220

$340

NA

$120.00

$5,000

36.45%

49.5%

La Verde
Deportesmo

$600

$300

$330

$330

$130.00

$7,000

36.78%

50.5%

Afinidad UNAM
Bancomer

$580

NA

$348

NA

$151.00

$10,000

36.96%

50.5%

Scotiabank Tasa
Baja Clsica

$500

$225

$350

NA

$140.00

$7,500

37.82%

50.8%

American
Express Payback
Gold Credit
Card

$1,000

3 sin costo,
adicional 500

$350

NA

NA

$15,000

38.80%

51.4%

$0

$0

$300

NA

$180.00

$10,000

42.63%

52.0%

$500

$200

$300

NA

$130.00

$5,000

38.66%

52.1%

Clsica
Banregio
Banorte Los 40
Principales

pag 11/14

Sper Tarjeta
de Crdito de
Bodega Aurrera
Sper Tarjeta
de Crdito de
Banco Walmart

$300

$100

$300

$0

$50.00

$3,500

40.97%

53.1%

$500

$100

$300

$0

$50.00

$3,500

39.48%

53.3%

APAC

$600

$300

$330

$330

$130.00

$4,000

39.04%

53.9%

Ixe Clsica
MasterCard

$530

$240

$370

NA

$130.00

$7,000

40.52%

55.3%

Ixe Clsica
Visa

$530

$240

$370

NA

$130.00

$7,000

40.74%

55.6%

$1,200

3 sin costo,
adicional $600

$350

NA

NA

$15,000

41.18%

56.1%

$0

NA

NA

NA

NA

$5,000

45.35%

56.1%

IPN Bancomer

$580

$0

$348

NA

$151.00

$5,000

40.82%

56.3%

Scotiabank
Tradicional Oro

$650

$315

$350

NA

$140.00

$15,000

44.41%

58.1%

Scotia Travel
Oro

$850

$375

$350

NA

$140.00

$15,000

43.91%

58.4%

SCard Plus
INVEX

$610

$305

$495

NA

$130.00

$5,000

45.61%

59.7%

SAMS Club
Style

$394

$0

$230

NA

$104.00

$5,000

43.55%

60.6%

The Gold Elite

Card American
Express
Mi Primera
Tarjeta
Bancomer

pag 12/14

Scotiabank
Tradicional
Clsica

$500

$225

$350

NA

$140.00

$7,500

44.59%

61.2%

Flexcard

$400

$300

$330

$330

$140.00

$7,500

46.46%

62.8%

SCard Plus MC

$610

$305

$495

NA

$130.00

$5,000

44.79%

62.9%

Wal-Mart Visa

$311

$0

$230

NA

$104.00

NA

45.73%

64.0%

Scotia Bsica

$0

$0

$0

$0

$0.00

$7,500

51.93%

66.3%

HEB Visa

$348

$192

$277

NA

$104.00

$6,000

49.23%

67.1%

Scotia Travel
Clsica

$600

$275

$350

NA

$140.00

$7,500

47.98%

68.0%

HSBC Opcin

$240

$160

$340

NA

$120.00

$12,000

51.61%

69.0%

Afirme Clsica

$550

$275

$320

NA

$200.00

$4,000

50.29%

70.4%

Famsa Oro

$500

$200

$250

$0

$100.00

$5,000

53.75%

72.1%

NA

NA

NA

NA

NA

$3,000

57.46%

75.3%

$1,350

$675

$495

NA

$130.00

$5,000

57.03%

79.1%

Banorte Bsica
S Card
Platinum

pag 13/14

SCard Plus

$610

$305

$495

NA

$130.00

$5,000

59.01%

81.8%

Consutarjeta
Clsica
Naranja

$500

NA

NA

$300

$100.00

$0

59.84%

86.9%

NA

NA

NA

NA

$50.00

Opcional

65.00%

88.3%

$270

NA

$220

NA

$140.00

$3,000

63.28%

89.5%

$1,200

$600

$495

NA

$130.00

$5,000

56.67%

92.4%

Pagos
Congelados

$200

$100

$150

$0

$100.00

$1,000

65.67%

92.7%

Consutarjeta
Inicial

$500

NA

NA

$0

$100.00

$0

BanCoppel VISA
Congelada
Bancomer
Volaris INVEX

NOTA:
Se recomienda comparar por el mismo tipo de tarjeta.
CAT, para fines informativos y de comparacin exclusivamente, calculado al . Para su clculo se consideran los montos de lnea de crdito sig:
a) Tarjeta tipo clsica o equivalentes: $15,000.00;
b) Tarjeta tipo oro o similares: $35,000.00;
c) Tarjeta tipo platino o equivalentes: $65,000.00.
NA: Indica que la institucin no lo considera para cobro de comisin o no ofrece el servicio.
ND: No disponible.
Las comisiones no incluyen IVA. Gastos de Cobranza se cobra sobre el saldo deudor, cuando se presenta en porcentaje
Fuente: Elaborado por Condusef con informacin de Banco de Mxico y pginas electrnicas de las Instituciones Financieras a Noviembre de 2014.

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