Comparativo Condusef

TABLA COMPARATI
Institucin
Nombre del producto
BBVA Bancomer, S.A., Institucin de Banca Mltiple,

Grupo Financiero BBVA Bancomer
Azul Bancomer
Bancomer Educacin
Bancomer Platinum
Bancomer Congelada
Garantizada Bancomer
HEB
HEB Privada
Marca Propia Wal-Mart

Mi Primera Tarjeta Bancomer
Oro Bancomer
Rayados Bancomer
Tarjeta BBVA Bancomer Trecompensa
Tarjeta Club de Privilegios Honda
IPN Bancomer
Tarjeta Prctica VISA Internacional
Tarjeta SAMS Elite
Tarjeta SAMS Style
Tarjeta Suburbia

Infinite Bancomer
HSBC Mxico, S.A., Institucin de Banca Mltiple,
Grupo Financiero HSBC
Clsica MasterCard HSBC

Oro MasterCard HSBC

Platinum HSBC

Tarjeta de Crdito Bsica HSBC

Tarjeta de Crdito HSBC Advance

Platinum

Tarjeta de Crdito HSBC Premier World

Elite MasterCard
Banco del Bajo, S.A., Institucin de Banca Mltiple
Tarjeta Bajo VISA Clsica
Banco del Bajo, S.A., Institucin de Banca Mltiple
Tarjeta de Crdito Visa Oro Internacional
Banca Mifel, S.A., Institucin de Banca Mltiple,

Grupo Financiero Mifel
Tarjeta de Crdito Mifel Visa Oro

Internacional
Scotiabank, S.A., Institucin de Banca Mltiple,

Grupo Financiero Scotiabank Inverlat
Scotia Travel Clsica

Scotia Travel Oro

Tarjeta Clsica

Tradicional Dorada (Visa o MasterCard)

Scotia Travel Premium

Scotia Travel Platinum
Banco Regional de Monterrey, S.A., Institucin de

Banca Mltiple, Banregio Grupo Financiero
Tarjeta de Crdito Banregio

Tarjeta de Crdito Empresario

Tarjeta de Crdito de IN Gold Banregio
Banco Invex, S.A., Institucin de Banca Mltiple,

Invex Grupo Financiero
S Card Plus
Banco Invex, S.A., Institucin de Banca Mltiple,

Invex Grupo Financiero
S Card Platinum
Banca Afirme, S.A., Institucin de Banca Mltiple,

Afirme Grupo Financiero
Master Card Blank (Funcionarios)

Tarjeta de Crdito Clsica

Tarjeta de Crdito Oro
Banco Mercantil del Norte, S.A., Institucin de

Banca Mltiple, Grupo Financiero Banorte
Tarjeta de Crdito Banorte Bsica

Banorte Fcil

Banorte Tuzos

Clsica

Empuje Negocios

Oro

Mujer Banorte

Platinum
American Express Bank (Mxico), S.A., Institucin de La Tarjeta de Crdito Bsica American
Banca Mltiple
Express
American Express Bank (Mxico), S.A., Institucin de
Banca Mltiple
The Gold Elite Card American Express
American Express Bank (Mxico), S.A., Institucin de The Platinum Credit Card American
Banca Mltiple
Express
Banco Wal-Mart de Mxico Adelante, S.A.,
Institucin de Banca Mltiple
Sper Tarjeta de Crdito versin Clsica
Sociedad Financiera Inbursa, S.A. de C.V.Grupo

Financiero Inbursa
Clsica Inbursa

Financiero Inbursa
Enlace Mdico Inbursa

Financiero Inbursa
Gas Natural

Financiero Inbursa
Oro Inbursa

Financiero Inbursa
Platinum Inbursa

Financiero Inbursa
Telcel Inbursa
Tarjetas Banamex, S.A de C.V.
APAC
Affinity Card
Amrica
B-Smart
Blue Key Best Buy
Citi/AAdvantage
Clsica Internacional
Costco
Cruz Azul
Deportesmo
D Super
La Verde
Office Depot
Oro
Platinum
Pumas
Tarjeta de Crdito Aeromxico Gold

Banamex
Tarjeta de Crdito Aeromxico Platinum

Banamex
Tarjeta de Crdito Base
Teletn
The Home Depot
Tigres
Toluca
Travel Pass
Servicios Financieros Soriana SAPI, de C.V.
Marca Compartida Soriana Banamex
Santander Consumo, S.A. de C.V.
Flexcard
Light
Oro Cash
Santander Black
Santander ESPN
Santander Platinum
Ferrari
Fiesta Rewards Oro
Fiesta Rewards Platino
UNI-Santander-K
Santander World Elite
Santander Zero
Black Unlimited
Elite Rewards Oro
Elite Rewards Platino
Free

Tarjeta Ixe Oro

Tarjeta Ixe Platino
Banca Mifel, S.A., Institucin de Banca Mltiple,

Grupo Financiero Mifel
Tarjeta de Crdito Mifel World Elite

Mastercard

Tarjeta de Crdito Platinum
Banco Wal-Mart de Mxico Adelante, S.A.,

Sper Tarjeta de Crdito de Bodega
Institucin de Banca Mltiple
Aurrera
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 co
a) Tarjeta tipo clsica o equivalentes: $15,000.00; b) Tarjeta tipo oro o similares: $35,000.00; c
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
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 e
Fuente: Elaborado por Condusef con informacin de Banco de Mxico y pginas electrnicas de las Institu
TABLA COMPARATIVA DE COMISIONES Y REQUISITOS

Comisiones
Requisitos
Anualidad
Anualidad tarjeta
adicional
Gastos de
cobranza
Falta
pago
Reposicin
Ingresos mnimos
comprobables
$560
$0
$335
NA
$145.00
$5,000
$560
$0
$335
NA
$145.00
$5,000
$1,950
$0
$335
NA
$145.00
$40,000
$260
$0
$200
NA
$135.00
$2,000
$560
$0
$335
NA
$145.00
$2,400
$384
$192
$277
NA
$104.00
$6,000
$282
$145
$277
NA
$104.00
$4,000
$150
$93
$73
NA
$104.00
$2,000
$0
$0
$0
$0
$0.00
$5,000
$870
$0
$335
NA
$145.00
$20,000
$560
$0
$335
NA
$145.00
$5,000
$205
$70
5%
$40
$40.00
$6,000
$415
$207
$277
NA
$104.00
$6,000
$560
$0
$335
NA
$145.00
$5,000
$335
$170
$265
NA
$104.00
$6,000
$1,037
$539
$314
NA
$104.00
$25,000
$394
$0
$230
NA
$104.00
$5,000
$282
$0
$126
NA
$104.00
$2,000
$4,720
NA
$0
NA
$0.00
Por Invitacin
$560
$220
$340
NA
$120.00
$5,000
$850
$325
$340
NA
$150.00
$12,000
$1,900
$750
$340
NA
$150.00
$50,000
$0
$0
$0
$0
$0.00
Ser Titular de una Tarjeta de

Crdito HSBC
$0
$0
$340
NA
$150.00
Ser cliente HSBC Premier
$0
$0
$340
NA
$150.00
$80,000
$350
$175
NA
$200
$100.00
$7,000
$600
$300
NA
$200
$130.00
$15,000
$500
$280
$0
$250
$200.00
$10,000
$550
$275
$300
NA
$140.00
$7,500
$750
$375
$300
NA
$140.00
$15,000
$450
$225
$300
NA
$140.00
$7,500
$630
$315
$300
NA
$140.00
$15,000
$2,250
$0
$300
NA
$140.00
$100,000
$1,500
$500
$300
NA
$140.00
$45,000
$0
$0
$300
NA
$180.00
$10,000
$500
$250
$300
NA
$150.00
$40,000
$0
$0
$300
$0
$180.00
$10,000
$130.00
No requieren comprobar
ingresos
$610
$305
$495
NA
$1,350
$675
$495
NA
$130.00
No requieren comprobar
ingresos
$3,500
$1,750
NA
NA
NA
NA
$500
$250
$50
NA
$200.00
$4,000
$650
$325
$100
NA
$200.00
$15,000
$0
$0
$0
$0
$0.00
$3,000
$120
NA
$150
NA
$100.00
$3,000
$625
$300
$300
NA
$243.50
$5,000
$430
$200
$300
NA
$243.50
$5,000
$750
$750
$279
NA
$243.50
$25,000
$625
$300
$300
NA
$243.50
$7,000
$625
$300
$300
NA
$243.50
$7,000
$1,350
$600
$300
NA
NA
$25,000
$0
$0
$0
NA
NA
$10,000
$1,200
$0
$350
NA
NA
$15,000
$1,785
$0
$350
NA
NA
$30,000
$500
$100
$0
$300
$50.00
$3,500
$0
$0
$300
NA
$0.00
$15,000
$200
$0
$300
NA
$0.00
$35,000
$200
$0
$300
NA
$0.00
$15,000
$0
$0
$300
NA
$0.00
$35,000
$750
$0
$300
NA
$0.00
$65,000
$0
$0
$300
NA
$0.00
$15,000
$600
$300
$330
$330
$130.00
$4,000
$600
$300
$330
$330
$130.00
$5,000
$600
$300
$330
$330
$130.00
$4,000
$600
$300
$330
$330
$130.00
$4,000
$600
$300
$330
$330
$130.00
$4,000
$1,000
$500
$330
$330
$130.00
$12,000
$600
$300
$330
$330
$130.00
$4,000
$260
$100
$330
$330
$130.00
$7,000
$600
$300
$330
$330
$130.00
$4,000
$600
$300
$330
$330
$130.00
$4,000
$210
$105
$100
$100
$130.00
$2,000
$600
$300
$330
$330
$130.00
$4,000
$600
$300
$330
$330
$130.00
$4,000
$900
$450
$330
$330
$130.00
$12,000
$2,000
$1,000
$300
$500
$130.00
$30,000
$600
$300
$330
$330
$130.00
$4,000
$3,000
$1,500
$330
$330
$130.00
$30,000
$4,500
$2,250
$300
$500
$130.00
$50,000
$0
$0
$0
$0
$0.00
$12,000
$300
NA
$330
$330
$130.00
$4,000
$600
$300
$330
$330
$130.00
$4,000
$600
$300
$330
$330
$130.00
$4,000
$600
$300
$330
$330
$130.00
$4,000
$900
$450
$330
$330
$130.00
$4,000
$420
$210
$275
$275
$130.00
$4,000
$400
$300
$330
$330
$140.00
$7,500
$530
$265
$330
$330
$140.00
$7,500
$920
$460
$330
$330
$140.00
$7,500
$950
$475
$330
$330
$200.00
$7,500
$600
$300
$330
$330
$140.00
$7,500
$2,100
$1,050
$330
$330
$140.00
$25,000
$1,700
$850
$330
$330
$140.00
$25,000
$750
$375
$330
$330
$140.00
$7,500
$1,850
$925
$330
$330
$140.00
$25,000
$0
$0
$330
$330
$140.00
$7,500
$5,000
$1,000
$330
$330
$140.00
$100,000
$0
$0
$330
$330
$140.00
$2,750
$1,500
$750
$330
$330
$140.00
$7,500
$950
$475
$330
$330
$140.00
$7,500
$1,200
$300
$330
$330
$140.00
$25,000
$0
$0
$330
$330
$140.00
$7,500
$600
$325
NA
$350
$120.00
$10,000
$1,600
$750
NA
$350
$150.00
$50,000
$5,000
$2,500
$0
NA
$200.00
$100,000
$2,300
$1,150
$50
NA
$200.00
$50,000
$300
$100
$0
$300
$50.00
$3,500
tarjeta.
mente. Para su clculo se consideran los montos de lnea de crdito siguientes:
similares: $35,000.00; c) Tarjeta tipo platino o equivalentes: $65,000.00.
de crdito debern cumplir con lo siguiente:
al guna cobertura similar.

bles por los cargos que se efecten a la tarjeta de crdito, Previo aviso por robo o extravo.
s electrnicas de las Instituciones Financieras a marzo de 2013.
ITOS
Tasa de inters
promedio
CAT sin IVA
27.77%
37.2%
27.25%
36.5%
17.00%
22.3%
55.91%
76.4%
27.48%
36.8%
46.51%
62.5%
ND
ND
ND
ND
45.33%
56.0%
27.36%
34.8%
32.52%
43.8%
59.69%
82.1%
24.14%
30.8%
32.28%
39.5%
49.30%
66.5%
28.74%
43.4%
38.48%
50.4%
ND
ND
9.73%
19.1%
35.26%
47.3%
35.54%
45.6%
28.46%
36.9%
19.37%
21.2%
24.38%
27.3%
19.27%
21.1%
28.96%
36.7%
28.37%
34.9%
26.26%
31.7%
37.51%
51.0%
34.87%
44.5%
29.13%
37.9%
35.27%
44.5%
18.87%
25.2%
22.30%
27.9%
45.41%
56.2%
ND
ND
39.75%
47.9%
55.48%
79.1%
51.04%
68.2%
21.37%
31.2%
51.05%
71.7%
39.42%
50.6%
60.70%
80.8%
18.29%
20.9%
36.53%
46.3%
37.03%
48.9%
ND
ND
34.62%
43.6%
15.72%
19.5%
16.87%
20.9%
36.92%
43.9%
41.22%
56.1%
31.15%
40.3%
36.93%
49.5%
35.28%
41.6%
22.52%
25.8%
31.10%
38.0%
22.32%
24.7%
17.42%
20.4%
22.56%
25.0%
39.71%
54.9%
34.59%
47.3%
37.13%
51.0%
34.77%
47.5%
24.79%
33.6%
35.38%
46.4%
33.79%
46.1%
ND
ND
37.40%
51.4%
33.56%
45.8%
56.13%
76.1%
39.01%
53.8%
34.61%
47.3%
31.06%
23.6%
17.96%
23.6%
36.53%
50.1%
27.47%
38.2%
20.00%
31.7%
ND
ND
34.40%
43.6%
31.52%
42.9%
36.14%
49.5%
35.86%
49.1%
34.93%
51.3%
39.30%
52.1%
47.24%
64.1%
25.30%
33.1%
28.75%
36.3%
28.92%
36.5%
28.84%
35.6%
21.93%
28.5%
22.13%
27.7%
25.78%
32.2%
19.67%
25.4%
32.99%
38.5%
16.63%
27.3%
36.34%
43.0%
ND
ND
guientes:
000.00.
ND
ND
ND
ND
ND
ND
30.91%
38.3%
17.83%
22.6%
ND
ND
25.53%
33.9%
40.94%
53.1%
o por robo o extravo.

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TABLA COMPARATI

Nombre del producto

BBVA Bancomer, S.A., Institucin de Banca Mltiple,

BBVA Bancomer, S.A., Institucin de Banca Mltiple,

BBVA Bancomer, S.A., Institucin de Banca Mltiple,

Clsica MasterCard HSBC

HSBC Mxico, S.A., Institucin de Banca Mltiple,

Oro MasterCard HSBC

HSBC Mxico, S.A., Institucin de Banca Mltiple,

HSBC Mxico, S.A., Institucin de Banca Mltiple,

Tarjeta de Crdito Bsica HSBC

HSBC Mxico, S.A., Institucin de Banca Mltiple,

Tarjeta de Crdito HSBC Advance

HSBC Mxico, S.A., Institucin de Banca Mltiple,

Tarjeta de Crdito HSBC Premier World

Banco del Bajo, S.A., Institucin de Banca Mltiple

Tarjeta Bajo VISA Clsica

Banco del Bajo, S.A., Institucin de Banca Mltiple

Tarjeta de Crdito Visa Oro Internacional

Banca Mifel, S.A., Institucin de Banca Mltiple,

Tarjeta de Crdito Mifel Visa Oro

Scotiabank, S.A., Institucin de Banca Mltiple,

Scotia Travel Clsica

Scotiabank, S.A., Institucin de Banca Mltiple,

Scotia Travel Oro

Scotiabank, S.A., Institucin de Banca Mltiple,

Scotiabank, S.A., Institucin de Banca Mltiple,

Tradicional Dorada (Visa o MasterCard)

Scotiabank, S.A., Institucin de Banca Mltiple,

Scotia Travel Premium

Scotiabank, S.A., Institucin de Banca Mltiple,

Scotia Travel Platinum

Banco Regional de Monterrey, S.A., Institucin de

Tarjeta de Crdito Banregio

Banco Regional de Monterrey, S.A., Institucin de

Tarjeta de Crdito Empresario

Banco Regional de Monterrey, S.A., Institucin de

Tarjeta de Crdito de IN Gold Banregio

Banco Invex, S.A., Institucin de Banca Mltiple,

Banco Invex, S.A., Institucin de Banca Mltiple,

Banca Afirme, S.A., Institucin de Banca Mltiple,

Master Card Blank (Funcionarios)

Banca Afirme, S.A., Institucin de Banca Mltiple,

Tarjeta de Crdito Clsica

Banca Afirme, S.A., Institucin de Banca Mltiple,

Tarjeta de Crdito Oro

Banco Mercantil del Norte, S.A., Institucin de

Tarjeta de Crdito Banorte Bsica

Banco Mercantil del Norte, S.A., Institucin de

Banco Mercantil del Norte, S.A., Institucin de

Banco Mercantil del Norte, S.A., Institucin de

Banco Mercantil del Norte, S.A., Institucin de

Banco Mercantil del Norte, S.A., Institucin de

Banco Mercantil del Norte, S.A., Institucin de

Banco Mercantil del Norte, S.A., Institucin de

Sper Tarjeta de Crdito versin Clsica

Sociedad Financiera Inbursa, S.A. de C.V.Grupo

Sociedad Financiera Inbursa, S.A. de C.V.Grupo

Enlace Mdico Inbursa

Sociedad Financiera Inbursa, S.A. de C.V.Grupo

Sociedad Financiera Inbursa, S.A. de C.V.Grupo

Sociedad Financiera Inbursa, S.A. de C.V.Grupo

Sociedad Financiera Inbursa, S.A. de C.V.Grupo