Mexico · Hey Banco · Visa
Tarjeta de Credito Hey
MX$696 annual fee · 1% on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1% | uncapped |
| Online retail at Hey partner merchants only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
2% | uncapped |
See more Mexico credit cards →
Non-cash perks
- Annual fee ($600 MXN + IVA) only if you opt into rewards; free for life otherwise
- Meses sin intereses
- Digital bank (Banregio)
- La anualidad de $600 M.N. más IVA ($696) es opcional y es la que habilita las recompensas; sin ella la tarjeta es sin anualidad de por vida.
Does the fee earn out? · how we got this
The MX$696 fee minus MX$0 in printed credits leaves MX$696/yr to earn back through rewards — roughly MX$69,600 of spending at the base rate. Whether that clears depends on your actual spending.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at Hey partner merchants. Its largest printed rate, 2% on online retail, pays only at Hey partner merchants. Anywhere else it earns its base 1%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: banco.hey.inc. Spot an error? Tell us.