pag 1/14

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

pag 2/14

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

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

pag 3/14

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

pag 4/14

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%

pag 5/14

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%

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%

pag 6/14

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%

pag 7/14

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%

pag 8/14

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%

pag 9/14

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%

pag 10/14

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%

pag 11/14

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%

pag 12/14

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%

pag 13/14

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%

pag 14/14

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.