Citibanamex vs Hey Banco: miles vs cashback
| Citibanamex | Hey Banco | |
|---|---|---|
| APR (CAT) | 68% | 58% |
| 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
The figures in the table — CAT, amount, term — come from each institution’s public rate sheet, not from us, and the commercial relationship never changes them. The «cheaper» verdict weighs the total cost for a standard profile; your own CAT depends on your Buró and income, so treat the numbers as a starting point and confirm the final terms on the lender’s site before signing. The order of offers across the site follows our published methodology.
Read the full editorial review of Citibanamex or Hey Banco before deciding.