Citibanamex vs Hey Banco: miles vs cashback
| Citibanamex | Hey Banco | |
|---|---|---|
| APR (CAT) | Not verified | Not verified |
| Amount | $5k–$90k | $4k–$80k |
| Interest-free days | 50 días | 45 días |
| What sets it apart | Cards with Aeroméxico miles — the best airline co-brand in Mexico | No annual fee plus cashback on the categories you actually spend on |
When to pick Citibanamex
Citibanamex Aeroméxico pays off if you fly two or more round trips a year. The effective accrual is one mile per 12-14 pesos spent; a Mexico City-Cancún flight runs 20,000-30,000 miles. If you don't fly, the annual fee (around 1,800-3,500 pesos) eats whatever the card gives back.
When to pick Hey Banco
Hey Banco beats Citibanamex for the 99% of users who don't fly or fly once a year. The 2% cashback hits your balance directly and doesn't expire. On 15,000 pesos of monthly spending, that's 300 pesos a month vs scraping together miles that won't even cover a checked bag.
My recommendation
Two or more Aeroméxico flights a year: Citibanamex. Everyone else on the planet: Hey.
How we compare these two
Amounts, terms and requirements reflect the catalog reviewed on the date shown. We publish APR only when it is tied to a current product source; “Not verified” means you should request it from the institution. Confirm fees and total repayment in the final contract. Commercial agreements and ordering are explained in our published methodology.
Read the full editorial review of Citibanamex or Hey Banco before deciding.