comparativoTABLA COMPARATIVA DE COMISIONES Y REQUISITOS InstitucinNombre del productoComisionesRequisitosTasa de inters promedioCAT sin IVAAnualidadAnualidad tarjeta adicionalGastos de cobranzaFalta pagoReposicinIngresos mnimos comprobablesBBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerAzul Bancomer$560$0$335NA$145.00$5,00027.77%37.2%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerBancomer Educacin$560$0$335NA$145.00$5,00027.25%36.5%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerBancomer Platinum$1,950$0$335NA$145.00$40,00017.00%22.3%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerBancomer Congelada$260$0$200NA$135.00$2,00055.91%76.4%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerGarantizada Bancomer$560$0$335NA$145.00$2,40027.48%36.8%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerHEB$384$192$277NA$104.00$6,00046.51%62.5%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerHEB Privada$282$145$277NA$104.00$4,000NDNDBBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerMarca Propia Wal-Mart $150$93$73NA$104.00$2,000NDNDBBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerMi Primera Tarjeta Bancomer$0$0$0$0$0.00$5,00045.33%56.0%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerOro Bancomer$870$0$335NA$145.00$20,00027.36%34.8%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerRayados Bancomer$560$0$335NA$145.00$5,00032.52%43.8%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerTarjeta BBVA Bancomer Trecompensa$205$705%$40$40.00$6,00059.69%82.1%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerTarjeta Club de Privilegios Honda$415$207$277NA$104.00$6,00024.14%30.8%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerIPN Bancomer$560$0$335NA$145.00$5,00032.28%39.5%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerTarjeta Prctica VISA Internacional$335$170$265NA$104.00$6,00049.30%66.5%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerTarjeta SAMS Elite$1,037$539$314NA$104.00$25,00028.74%43.4%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerTarjeta SAMS Style$394$0$230NA$104.00$5,00038.48%50.4%BBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerTarjeta Suburbia$282$0$126NA$104.00$2,000NDNDBBVA Bancomer, S.A., Institucin de Banca Mltiple, Grupo Financiero BBVA BancomerInfinite Bancomer$4,720NA$0NA$0.00Por Invitacin9.73%19.1%HSBC Mxico, S.A., Institucin de Banca Mltiple, Grupo Financiero HSBCClsica MasterCard HSBC$560$220$340NA$120.00$5,00035.26%47.3%HSBC Mxico, S.A., Institucin de Banca Mltiple, Grupo Financiero HSBCOro MasterCard HSBC$850$325$340NA$150.00$12,00035.54%45.6%HSBC Mxico, S.A., Institucin de Banca Mltiple, Grupo Financiero HSBCPlatinum HSBC$1,900$750$340NA$150.00$50,00028.46%36.9%HSBC Mxico, S.A., Institucin de Banca Mltiple, Grupo Financiero HSBCTarjeta de Crdito Bsica HSBC$0$0$0$0$0.00Ser Titular de una Tarjeta de Crdito HSBC19.37%21.2%HSBC Mxico, S.A., Institucin de Banca Mltiple, Grupo Financiero HSBCTarjeta de Crdito HSBC Advance Platinum$0$0$340NA$150.00Ser cliente HSBC Premier24.38%27.3%HSBC Mxico, S.A., Institucin de Banca Mltiple, Grupo Financiero HSBCTarjeta de Crdito HSBC Premier World Elite MasterCard$0$0$340NA$150.00$80,00019.27%21.1%Banco del Bajo, S.A., Institucin de Banca MltipleTarjeta Bajo VISA Clsica$350$175NA$200$100.00$7,00028.96%36.7%Banco del Bajo, S.A., Institucin de Banca MltipleTarjeta de Crdito Visa Oro Internacional$600$300NA$200$130.00$15,00028.37%34.9%Banca Mifel, S.A., Institucin de Banca Mltiple, Grupo Financiero MifelTarjeta de Crdito Mifel Visa Oro Internacional$500$280$0$250$200.00$10,00026.26%31.7%Scotiabank, S.A., Institucin de Banca Mltiple, Grupo Financiero Scotiabank InverlatScotia Travel Clsica$550$275$300NA$140.00$7,50037.51%51.0%Scotiabank, S.A., Institucin de Banca Mltiple, Grupo Financiero Scotiabank InverlatScotia Travel Oro$750$375$300NA$140.00$15,00034.87%44.5%Scotiabank, S.A., Institucin de Banca Mltiple, Grupo Financiero Scotiabank InverlatTarjeta Clsica$450$225$300NA$140.00$7,50029.13%37.9%Scotiabank, S.A., Institucin de Banca Mltiple, Grupo Financiero Scotiabank InverlatTradicional Dorada (Visa o MasterCard)$630$315$300NA$140.00$15,00035.27%44.5%Scotiabank, S.A., Institucin de Banca Mltiple, Grupo Financiero Scotiabank InverlatScotia Travel Premium$2,250$0$300NA$140.00$100,00018.87%25.2%Scotiabank, S.A., Institucin de Banca Mltiple, Grupo Financiero Scotiabank InverlatScotia Travel Platinum$1,500$500$300NA$140.00$45,00022.30%27.9%Banco Regional de Monterrey, S.A., Institucin de Banca Mltiple, Banregio Grupo FinancieroTarjeta de Crdito Banregio$0$0$300NA$180.00$10,00045.41%56.2%Banco Regional de Monterrey, S.A., Institucin de Banca Mltiple, Banregio Grupo FinancieroTarjeta de Crdito Empresario$500$250$300NA$150.00$40,000NDNDBanco Regional de Monterrey, S.A., Institucin de Banca Mltiple, Banregio Grupo FinancieroTarjeta de Crdito de IN Gold Banregio$0$0$300$0$180.00$10,00039.75%47.9%Banco Invex, S.A., Institucin de Banca Mltiple, Invex Grupo FinancieroS Card Plus$610$305$495NA$130.00No requieren comprobar ingresos55.48%79.1%Banco Invex, S.A., Institucin de Banca Mltiple, Invex Grupo FinancieroS Card Platinum$1,350$675$495NA$130.00No requieren comprobar ingresos51.04%68.2%Banca Afirme, S.A., Institucin de Banca Mltiple, Afirme Grupo FinancieroMaster Card Blank (Funcionarios)$3,500$1,750NANANANA21.37%31.2%Banca Afirme, S.A., Institucin de Banca Mltiple, Afirme Grupo FinancieroTarjeta de Crdito Clsica$500$250$50NA$200.00$4,00051.05%71.7%Banca Afirme, S.A., Institucin de Banca Mltiple, Afirme Grupo FinancieroTarjeta de Crdito Oro$650$325$100NA$200.00$15,00039.42%50.6%Banco Mercantil del Norte, S.A., Institucin de Banca Mltiple, Grupo Financiero BanorteTarjeta de Crdito Banorte Bsica$0$0$0$0$0.00$3,00060.70%80.8%Banco Mercantil del Norte, S.A., Institucin de Banca Mltiple, Grupo Financiero BanorteBanorte Fcil$120NA$150NA$100.00$3,00018.29%20.9%Banco Mercantil del Norte, S.A., Institucin de Banca Mltiple, Grupo Financiero BanorteBanorte Tuzos$625$300$300NA$243.50$5,00036.53%46.3%Banco Mercantil del Norte, S.A., Institucin de Banca Mltiple, Grupo Financiero BanorteClsica$430$200$300NA$243.50$5,00037.03%48.9%Banco Mercantil del Norte, S.A., Institucin de Banca Mltiple, Grupo Financiero BanorteEmpuje Negocios$750$750$279NA$243.50$25,000NDNDBanco Mercantil del Norte, S.A., Institucin de Banca Mltiple, Grupo Financiero BanorteOro$625$300$300NA$243.50$7,00034.62%43.6%Banco Mercantil del Norte, S.A., Institucin de Banca Mltiple, Grupo Financiero BanorteMujer Banorte$625$300$300NA$243.50$7,00015.72%19.5%Banco Mercantil del Norte, S.A., Institucin de Banca Mltiple, Grupo Financiero BanortePlatinum$1,350$600$300NANA$25,00016.87%20.9%American Express Bank (Mxico), S.A., Institucin de Banca MltipleLa Tarjeta de Crdito Bsica American Express$0$0$0NANA$10,00036.92%43.9%American Express Bank (Mxico), S.A., Institucin de Banca MltipleThe Gold Elite Card American Express$1,200$0$350NANA$15,00041.22%56.1%American Express Bank (Mxico), S.A., Institucin de Banca MltipleThe Platinum Credit Card American Express$1,785$0$350NANA$30,00031.15%40.3%Banco Wal-Mart de Mxico Adelante, S.A., Institucin de Banca MltipleSper Tarjeta de Crdito versin Clsica$500$100$0$300$50.00$3,50036.93%49.5%Sociedad Financiera Inbursa, S.A. de C.V.Grupo Financiero InbursaClsica Inbursa$0$0$300NA$0.00$15,00035.28%41.6%Sociedad Financiera Inbursa, S.A. de C.V.Grupo Financiero InbursaEnlace Mdico Inbursa$200$0$300NA$0.00$35,00022.52%25.8%Sociedad Financiera Inbursa, S.A. de C.V.Grupo Financiero InbursaGas Natural$200$0$300NA$0.00$15,00031.10%38.0%Sociedad Financiera Inbursa, S.A. de C.V.Grupo Financiero InbursaOro Inbursa$0$0$300NA$0.00$35,00022.32%24.7%Sociedad Financiera Inbursa, S.A. de C.V.Grupo Financiero InbursaPlatinum Inbursa$750$0$300NA$0.00$65,00017.42%20.4%Sociedad Financiera Inbursa, S.A. de C.V.Grupo Financiero InbursaTelcel Inbursa$0$0$300NA$0.00$15,00022.56%25.0%Tarjetas Banamex, S.A de C.V.APAC$600$300$330$330$130.00$4,00039.71%54.9%Tarjetas Banamex, S.A de C.V.Affinity Card$600$300$330$330$130.00$5,00034.59%47.3%Tarjetas Banamex, S.A de C.V.Amrica$600$300$330$330$130.00$4,00037.13%51.0%Tarjetas Banamex, S.A de C.V.B-Smart$600$300$330$330$130.00$4,00034.77%47.5%Tarjetas Banamex, S.A de C.V.Blue Key Best Buy$600$300$330$330$130.00$4,00024.79%33.6%Tarjetas Banamex, S.A de C.V.Citi/AAdvantage$1,000$500$330$330$130.00$12,00035.38%46.4%Tarjetas Banamex, S.A de C.V.Clsica Internacional$600$300$330$330$130.00$4,00033.79%46.1%Tarjetas Banamex, S.A de C.V.Costco$260$100$330$330$130.00$7,000NDNDTarjetas Banamex, S.A de C.V.Cruz Azul$600$300$330$330$130.00$4,00037.40%51.4%Tarjetas Banamex, S.A de C.V.Deportesmo$600$300$330$330$130.00$4,00033.56%45.8%Tarjetas Banamex, S.A de C.V.D Super$210$105$100$100$130.00$2,00056.13%76.1%Tarjetas Banamex, S.A de C.V.La Verde$600$300$330$330$130.00$4,00039.01%53.8%Tarjetas Banamex, S.A de C.V.Office Depot$600$300$330$330$130.00$4,00034.61%47.3%Tarjetas Banamex, S.A de C.V.Oro$900$450$330$330$130.00$12,00031.06%23.6%Tarjetas Banamex, S.A de C.V.Platinum$2,000$1,000$300$500$130.00$30,00017.96%23.6%Tarjetas Banamex, S.A de C.V.Pumas$600$300$330$330$130.00$4,00036.53%50.1%Tarjetas Banamex, S.A de C.V.Tarjeta de Crdito Aeromxico Gold Banamex$3,000$1,500$330$330$130.00$30,00027.47%38.2%Tarjetas Banamex, S.A de C.V.Tarjeta de Crdito Aeromxico Platinum Banamex$4,500$2,250$300$500$130.00$50,00020.00%31.7%Tarjetas Banamex, S.A de C.V.Tarjeta de Crdito Base$0$0$0$0$0.00$12,000NDNDTarjetas Banamex, S.A de C.V.Teletn$300NA$330$330$130.00$4,00034.40%43.6%Tarjetas Banamex, S.A de C.V.The Home Depot$600$300$330$330$130.00$4,00031.52%42.9%Tarjetas Banamex, S.A de C.V.Tigres$600$300$330$330$130.00$4,00036.14%49.5%Tarjetas Banamex, S.A de C.V.Toluca$600$300$330$330$130.00$4,00035.86%49.1%Tarjetas Banamex, S.A de C.V.Travel Pass$900$450$330$330$130.00$4,00034.93%51.3%Servicios Financieros Soriana SAPI, de C.V.Marca Compartida Soriana Banamex$420$210$275$275$130.00$4,00039.30%52.1%Santander Consumo, S.A. de C.V.Flexcard$400$300$330$330$140.00$7,50047.24%64.1%Santander Consumo, S.A. de C.V.Light$530$265$330$330$140.00$7,50025.30%33.1%Santander Consumo, S.A. de C.V.Oro Cash$920$460$330$330$140.00$7,50028.75%36.3%Santander Consumo, S.A. de C.V.Santander Black$950$475$330$330$200.00$7,50028.92%36.5%Santander Consumo, S.A. de C.V.Santander ESPN$600$300$330$330$140.00$7,50028.84%35.6%Santander Consumo, S.A. de C.V.Santander Platinum$2,100$1,050$330$330$140.00$25,00021.93%28.5%Santander Consumo, S.A. de C.V.Ferrari$1,700$850$330$330$140.00$25,00022.13%27.7%Santander Consumo, S.A. de C.V.Fiesta Rewards Oro$750$375$330$330$140.00$7,50025.78%32.2%Santander Consumo, S.A. de C.V.Fiesta Rewards Platino$1,850$925$330$330$140.00$25,00019.67%25.4%Santander Consumo, S.A. de C.V.UNI-Santander-K$0$0$330$330$140.00$7,50032.99%38.5%Santander Consumo, S.A. de C.V.Santander World Elite$5,000$1,000$330$330$140.00$100,00016.63%27.3%Santander Consumo, S.A. de C.V.Santander Zero$0$0$330$330$140.00$2,75036.34%43.0%Santander Consumo, S.A. de C.V.Black Unlimited$1,500$750$330$330$140.00$7,500NDNDSantander Consumo, S.A. de C.V.Elite Rewards Oro$950$475$330$330$140.00$7,500NDNDSantander Consumo, S.A. de C.V.Elite Rewards Platino$1,200$300$330$330$140.00$25,000NDNDSantander Consumo, S.A. de C.V.Free$0$0$330$330$140.00$7,500NDNDBanco Mercantil del Norte, S.A., Institucin de Banca Mltiple, Grupo Financiero BanorteTarjeta Ixe Oro$600$325NA$350$120.00$10,00030.91%38.3%Banco Mercantil del Norte, S.A., Institucin de Banca Mltiple, Grupo Financiero BanorteTarjeta Ixe Platino$1,600$750NA$350$150.00$50,00017.83%22.6%Banca Mifel, S.A., Institucin de Banca Mltiple, Grupo Financiero MifelTarjeta de Crdito Mifel World Elite Mastercard$5,000$2,500$0NA$200.00$100,000NDNDBanca Afirme, S.A., Institucin de Banca Mltiple, Afirme Grupo FinancieroTarjeta de Crdito Platinum$2,300$1,150$50NA$200.00$50,00025.53%33.9%Banco Wal-Mart de Mxico Adelante, S.A., Institucin de Banca MltipleSper Tarjeta de Crdito de Bodega Aurrera$300$100$0$300$50.00$3,50040.94%53.1%NOTA:Los seguros y beneficios que se muestran estn incluidos en la anualidad de la tarjeta.Costo Anual Total Sin IVA: Para fines informativos y de comparacin exclusivamente. Para su clculo se consideran los montos de lnea de crdito siguientes: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.Tasa de inters promedio ponderada y CAT calculados a abril de 2013 .De acuerdo a la Circular 34/2010 de Banco de Mxico las emisoras de tarjetas de crdito debern cumplir con lo siguiente:Contar con un seguro de liberacin de adeudo por el fallecimiento del Titular o al guna cobertura similar.El Titular y los obligados subsidiarios (tarjetas adicionales) no sern responsables por los cargos que se efecten a la tarjeta de crdito, Previo aviso por robo o extravo.Fuente: Elaborado por Condusef con informacin de Banco de Mxico y pginas electrnicas de las Instituciones Financieras a marzo de 2013.

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