tabla de tarjetas de credito
DESCRIPTION
Es una tabla comparativa de las tasas de interés o denominado CAT.TRANSCRIPT
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TABLA COMPARATIVA DE COMISIONES Y REQUISITOS
Producto Institución Nombre del producto
Comisiones RequisitosTasa deinterés
promedio
CATsin IVAAnualidad
Anualidadtarjeta
adicional
Gastos decobranza
Falta dePago Reposición
Ingresosmínimos
comprobables
HEB TradicionalPrivada $282 $145 $277 NA $104.00 $2,000 ND ND
HEB PagosSugeridosQuincenales
$150 $77 $79 NA $104.00 $2,000 ND ND
Wal-Mart PagosSugeridosQuincenales
$311 $0 $230 NA $104.00 NA ND ND
Suburbia $282 NA $126 NA $104.00 $2,000 ND ND
Tarjeta deCréditoMicroNegociosBancomer
$750 NA NA NA $100.00Ventas mínimasmensuales de$20 mil pesos
ND ND
Tarjeta deCréditoEmpresarial
$950 NA $250 $250.00 o 5%del pago vencido $100.00 ND ND ND
Tarjeta deCréditoEmpresarial
$600 $600 NA NA $150.00 ND ND ND
Empresarial $500 $250 $250 $250 $100.00 ND ND ND
Básica $0 $0 $0 $0 $0.00 $10,000 ND ND
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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
Base NA NA NA NA NA $12,000 ND ND
Santander BlackUnlimited $1,500 $750 $330 $330 $140.00 $25,000 ND ND
Soriana $300 $150 $200 $200 $130.00 $3,000 ND ND
Soriana PagosFijos $200 $100 $100 $100 $130.00 $4,000 ND ND
Merza-Bajío NA NA NA $200 $100.00 ND ND ND
Mifel Básica $0 NA $0 NA $0.00 $10,000 ND ND
SíCard Básica NA NA NA NA NA $20,000 ND ND
Elite RewardsClásica $590 $295 $330 $330 $140.00 $7,500 ND ND
Elite RewardsOro $950 $475 $330 $330 $140.00 $7,500 ND ND
Elite RewardsPlatino $1,200 $300 $330 $330 $140.00 $25,000 ND ND
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Free NA NA $330 $330 $140.00 $7,500 ND ND
Scotia TravelWorld Elite $3,900 $0 $350 NA $140.00 $100,000 ND ND
INVEXEmpresarial $850 NA $495 NA $500.00 ND ND ND
EmpresarialBanorte $0 $504 $279 $0 $243.50 $10,000 ND ND
Tarjeta deCrédito Telmex $0 $0 $300 NA $0.00 1 año con
línea Telmex ND ND
Famsa $350 $150 $250 $0 $100.00Comprobante de
ingresos no mayor a30 días
ND ND
Tarjeta deCrédito AfirmeSOCIO PYME
$500 $300 NA NA $300.00 ND ND ND
Tarjeta deCréditoEmpresarialAfirme
$1,000 $500 NA NA $200.00 ND ND ND
ConsutarjetaBásica $0 $0 $0 $0 $0.00 $0 ND ND
Access $1,800 $700 $330 $330 $140.00Ventas anuales
mayores a$1,000,000 pesos
ND ND
Modelo $0 $0 NA $330 $140.00 $7,500 ND ND
UniversidadPanamericana $310 $0 NA $310 $140.00 $2,750 ND ND
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TarjetaNegociosBancomer
0.5% del importede la línea NA NA NA $100.00
Ventas mínimasmensuales de $50
mil pesosND ND
SantanderAmericanExpress
$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 Fácil $120 NA $150 NA $100.00 $3,000 16.08% 18.3%
Tarjeta deCrédito VisaInfinite
$4,905 NA $0 NA $0.00 Inversión mínimade $1,000,000.00. 8.04% 18.3%
PlatinumInbursa $750 NA $300 NA $0.00 Carta invitación 16.86% 19.7%
Mifel WorldElite $3,000 NA NA NA $200.00 $70,000 13.35% 20.0%
HSBC PremierWorld EliteMasterCard
$0 $0 $340 NA $150.00 $80,000 18.92% 20.6%
Ixe Básica $0 $0 NA $0 NA $10,000 18.99% 20.7%
DeporteísmoPlatinum $2,000 $1,000 $330 $330 $130.00 $25,000 15.85% 21.0%
ConsutarjetaClásica Azul $280 NA NA $300 $100.00 $0 17.47% 21.4%
Platinum $1,850 $840 $370 NA $0.00 $25,000 16.49% 21.5%
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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%
BanamexPlatinum $2,000 $1,000 $300 $500 $130.00 $50,000 18.02% 23.6%
BancomerPlatinum $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 UnitedUniverse $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 MédicoInbursa $250 $0 $300 NA $0.00 $10,000 22.41% 25.6%
Fiesta RewardsPlatino $1,850 $925 $330 $330 $140.00 $25,000 19.93% 25.7%
World Elite $5,000 $1,000 $330 $330 $140.00 150,000USD anuales 14.64% 25.8%
HSBC PlatinumMasterCard $1,900 $750 $340 NA $150.00 Por Invitación 22.15% 28.6%
Telcel Inbursa $0 $0 $300 NA $0.00 Ser clientede Telcel 25.64% 28.9%
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Oro Inbursa $0 $0 $300 NA $0.00 $15,000 25.90% 29.2%
SantanderPlatino $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 AdvancePlatinum $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 RewardsOro $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%
AeroméxicoPlatinum $4,500 $2,250 $300 $500 $130.00 $50,000 20.80% 32.7%
Unisantander K $0 $0 $330 $330 $140.00 $7,500 28.70% 32.8%
Ixe United $2,500 $1,000 $350 NA $100.00 $20,000 25.27% 34.0%
Santander Oro $810 $405 $330 $330 $140.00 $7,500 27.38% 34.5%
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Club dePrivilegiosHonda
$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 OroCash $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 Clásica $350 $175 $250 $250 $100.00 $7,000 28.65% 36.2%
SantanderClásica $540 $270 $330 $330 $140.00 $7,500 27.99% 37.3%
AeroméxicoBanamex WhiteGold
$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%
Visa Básica $0 $0 $0 $0 $0.00 $7,000 33.06% 38.6%
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Tarjeta BanamexTeletón $300 $0 $330 $330 $130.00 $7,000 30.95% 38.8%
GarantizadaBancomer $580 NA $348 NA $151.00 $5,000 28.88% 39.0%
Scotia TravelPlatinum $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 NaturalFenosa 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%
SAM´S ClubElite $1,037 $539 $314 NA $104.00 $25,000 30.57% 41.3%
ClásicaInbursa $0 $0 $300 NA $0.00 $5,000 35.09% 41.3%
Tarjeta deCrédito Oro $770 $368 $370 NA $130.00 $7,000 32.82% 41.7%
The PlatinumCredit CardAmericanExpress
$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%
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Básica 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%
IN Gold $0 $0 $300 NA $180.00 $10,000 37.01% 44.0%
TigresDeporteísmo $600 $300 $330 $330 $130.00 $7,000 32.58% 44.4%
INVEXManchesterUnited
$595 $295 $495 NA $130.00 $5,000 33.16% 45.1%
SíCardPlatinum INVEX $1,350 $675 $495 NA $130.00 $5,000 35.50% 45.3%
Deporteísmoclásica $600 $300 $330 $330 $130.00 $7,000 33.38% 45.5%
BancomerEducación $580 NA $348 NA $151.00 $5,000 33.61% 45.6%
Travel PassPlatinum Elite $2,000 $1,000 $330 $330 $130.00 $50,000 31.49% 45.7%
Affinity Card $600 $300 $330 $330 $130.00 $7,000 33.80% 46.1%
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ClásicaBanamex $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%
Súper Tarjetade CréditoSam'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%
RayadosBancomer $580 $0 $335 NA $145.00 $5,000 34.71% 47.2%
BásicaAmericanExpress
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%
PumasDeporteísmo $600 $300 $330 $330 $130.00 $7,000 35.15% 48.1%
Súper Tarjetade CréditoSuburbia
$500 $100 $300 $0 $50.00 $3,500 36.05% 48.2%
TolucaDeporteísmo $600 $300 $330 $330 $130.00 $7,000 35.31% 48.3%
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Scotiabank TasaBaja Oro $650 $315 $350 NA $140.00 $15,000 37.93% 48.4%
Tarjeta deCréditoClásica
$530 $240 $370 NA $130.00 $5,000 36.19% 48.8%
SorianaCoemitida $520 $250 $275 $275 $130.00 $3,000 36.58% 49.2%
AméricaDeporteísmo $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%
Clásica HSBC $560 $220 $340 NA $120.00 $5,000 36.45% 49.5%
La VerdeDeporteísmo $600 $300 $330 $330 $130.00 $7,000 36.78% 50.5%
Afinidad UNAMBancomer $580 NA $348 NA $151.00 $10,000 36.96% 50.5%
Scotiabank TasaBaja Clásica $500 $225 $350 NA $140.00 $7,500 37.82% 50.8%
AmericanExpress PaybackGold CreditCard
$1,000 3 sin costo,adicional 500 $350 NA NA $15,000 38.80% 51.4%
ClásicaBanregio $0 $0 $300 NA $180.00 $10,000 42.63% 52.0%
Banorte Los 40Principales $500 $200 $300 NA $130.00 $5,000 38.66% 52.1%
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Súper Tarjetade Crédito deBodega Aurrera
$300 $100 $300 $0 $50.00 $3,500 40.97% 53.1%
Súper Tarjetade Crédito deBanco Walmart
$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 ClásicaMasterCard $530 $240 $370 NA $130.00 $7,000 40.52% 55.3%
Ixe ClásicaVisa $530 $240 $370 NA $130.00 $7,000 40.74% 55.6%
The Gold EliteCard AmericanExpress
$1,200 3 sin costo,adicional $600 $350 NA NA $15,000 41.18% 56.1%
Mi PrimeraTarjetaBancomer
$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%
ScotiabankTradicional Oro $650 $315 $350 NA $140.00 $15,000 44.41% 58.1%
Scotia TravelOro $850 $375 $350 NA $140.00 $15,000 43.91% 58.4%
SíCard PlusINVEX $610 $305 $495 NA $130.00 $5,000 45.61% 59.7%
SAM´S ClubStyle $394 $0 $230 NA $104.00 $5,000 43.55% 60.6%
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ScotiabankTradicionalClásica
$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%
SíCard 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 Básica $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 TravelClásica $600 $275 $350 NA $140.00 $7,500 47.98% 68.0%
HSBC Opción $240 $160 $340 NA $120.00 $12,000 51.61% 69.0%
Afirme Clásica $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%
Banorte Básica NA NA NA NA NA $3,000 57.46% 75.3%
Sí CardPlatinum $1,350 $675 $495 NA $130.00 $5,000 57.03% 79.1%
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SíCard Plus $610 $305 $495 NA $130.00 $5,000 59.01% 81.8%
ConsutarjetaClásicaNaranja
$500 NA NA $300 $100.00 $0 59.84% 86.9%
BanCoppel VISA NA NA NA NA $50.00 Opcional 65.00% 88.3%
CongeladaBancomer $270 NA $220 NA $140.00 $3,000 63.28% 89.5%
Volaris INVEX $1,200 $600 $495 NA $130.00 $5,000 56.67% 92.4%
PagosCongelados $200 $100 $150 $0 $100.00 $1,000 65.67% 92.7%
ConsutarjetaInicial $500 NA NA $0 $100.00 $0 69.90% 102.0%
NOTA:Se recomienda comparar por el mismo tipo de tarjeta.CAT, para fines informativos y de comparación exclusivamente, calculado al . Para su cálculo se consideran los montos de línea de crédito sig: a) Tarjeta tipo clásica 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 institución no lo considera para cobro de comisión 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 porcentajeFuente: Elaborado por Condusef con información de Banco de México y páginas electrónicas de las Instituciones Financieras a Noviembre de 2014.