Turn your daily purchases into rewards that are truly worth it!

The Tarjeta Azul BBVA has gained popularity among those looking for a simple, secure card with rewards that genuinely make a difference every day.

It combines attractive benefits with a smart points system, ideal for turning each upfront purchase into real advantages. It’s a modern and accessible option.

With digital features, a handy app, and full user control, this card adapts well to various lifestyles and financial profiles.

If you’re looking for a card that delivers real benefits without complications, it’s time to explore what the Tarjeta Azul BBVA has to offer!

Concept	Detail
Loan Amount (example)	$10,000 MXN
Term	12 months
Annual Interest Rate (on balance)	TIIE + 52 points (~50.65% p.a.)
Total Annual Cost (CAT) Average	71.5% without VAT
Annual Fee	$748 MXN without VAT
Approximate Monthly Payment	~$1,210 MXN
Approximate Total Payment	~$14,520 MXN

Get to know the Tarjeta Azul BBVA credit card: 9% cashback, full app control, and no online annual fee

The Azul credit card is the choice of thousands of Mexicans who value practicality, security, and real daily-use benefits.

Issued by BBVA, one of Mexico’s largest and most trusted banks, the card offers stability, quality support, and strong digital presence nationwide.

The Tarjeta Azul BBVA offers personalized limits ranging from $6,000 to $200,000 depending on the customer profile.

Anyone seeking app-based control, point cashback, and waived online fees will find all of that bundled in this accessible and modern card.

Main benefits of the Tarjeta Azul BBVA credit card

The Tarjeta Azul BBVA credit card brings together practicality, security, and real advantages for anyone looking to save daily while keeping full control of their finances.

Perfect for those who want more freedom and transparency, this card provides benefits designed to make life easier without compromising on purchase security.

Free annual fee when applying online

By applying for the Tarjeta Azul BBVA directly through the website or app, you get a completely waived annual fee, no fine print or hassle.

This fee exemption remains active as long as payments are made on time, making the card a cost-effective and smart option.

It’s a way to start saving from day one, with no hidden costs, while enjoying all other benefits without unnecessary charges.

BBVA Points – Rewards on purchases

For every upfront purchase, you earn 9% of the value in BBVA points, redeemable at supermarkets, pharmacies, restaurants, and much more.

Installment purchases under interest-free terms do not earn points, but upfront payments offer real rewards for you to enjoy however you like.

Points have an expiration date, so it’s worth tracking them in the app and using them during promos like double points or direct discounts.

3 months interest-free on first purchases

For purchases made within the first 30 days after activation, you get 3 months interest-free, a great benefit to start with peace of mind.

This condition is automatically applied to your bills, helping with budgeting and smart use of your initial credit limit.

Ideal for anyone wanting to test the card with more freedom and enjoy the initial perks without manually activating promotions.

Full control via BBVA app

With the BBVA app, you can track everything in real time: purchases, limits, bills, and even lock your card with a single tap.

The app also lets you generate your dynamic CVV, request additional cards, and adjust spending freely without having to call the bank.

This digital autonomy brings convenience and peace of mind whether at home or while traveling.

Dynamic CVV for added security

The dynamic CVV is a security code that changes with each online transaction, drastically reducing the risk of fraud in virtual purchases.

Instead of a fixed printed code, the BBVA app generates a temporary CVV that expires in minutes, providing extra protection.

It’s an extra security layer aligned with modern technology, ideal for frequent online shoppers seeking safety.

More secure physical card

The card’s plastic has no visible details like number, expiry, or CVV, helping prevent cloning or fraud in case of loss or theft.

All sensitive information is accessible only within the BBVA app, protected by password, facial, or fingerprint authentication.

This safer format is ideal for those who value discretion and peace of mind during daily use or travel.

Free additional cards

You can request additional cards at no extra cost, perfect for sharing with family members or organizing team expenses.

Each additional card can be monitored through the app, allowing separate limits and better financial organization for users.

This feature also helps family members build their credit history, with you maintaining control as the main holder.

Efectivo Inmediato

With the Efectivo Inmediato feature, you can withdraw part of your credit limit as cash based on your bank profile and credit history.

The amount is transferred to your account and can be paid in installments with rates defined at the time of the request via the BBVA app.

It’s a helpful alternative for emergencies or unexpected expenses, offering more flexibility than a separate personal loan.

Insurance and consumer protection

The card offers insurance such as purchase protection, covering damage or theft of items bought using the Tarjeta Azul BBVA.

It also includes travel assistance like compensation for lost or delayed luggage, ensuring peace of mind while traveling.

There is also protection against unauthorized transactions, offering support if your card is used improperly.

Contactless payments

The Tarjeta Azul BBVA supports contactless technology, allowing you to pay simply by tapping the card on the machine.

Purchases up to $1,000 can be completed without a PIN, speeding up payments at supermarkets, pharmacies, or restaurants.

This feature brings daily convenience and reduces chip wear, plus it’s more hygienic in high-contact environments.

Eligibility requirements to apply for the Tarjeta Azul BBVA credit card

To apply for the credit card, you must be between 18 and 75 years old, reside in Mexico, and hold a valid official ID.

You must prove a minimum monthly income of $6,000 pesos, with pay stubs, bank statements, or documents confirming regular income.

Tarjeta Azul BBVA also requires a positive credit history. Your name will be reviewed in the Credit Bureau for financial responsibility.

You also need a recent proof of address (up to three months old) and an active mobile phone number for contact.

Step-by-step guide to apply for the Tarjeta Azul BBVA credit card

Applying for your card is simple, quick, and fully online, directly through the BBVA Mexico app or official website.

1. Visit the BBVA site or app: Go to BBVA’s official website or download the app to start your application with updated personal and contact information.
2. Fill out your details and submit documents: Provide name, age, income, address, and upload a photo of your ID and recent proof of address.
3. Wait for credit analysis: The bank will review your credit history in the Credit Bureau to set your limit and approve the card.
4. Receive your card at home or use the virtual one: After approval, your physical card arrives in up to 7 days. You can also activate the digital version immediately.

See how easy it is? In just a few clicks, you can start enjoying the Tarjeta Azul BBVA benefits in your daily routine!

Applicable fees of the Tarjeta Azul BBVA credit card

When choosing a credit card, it’s important to fully understand all the associated fees. This helps you avoid surprises and budget better.

Tarjeta Azul BBVA offers real benefits, but like any financial product, it has costs that should be evaluated carefully for responsible use.

Annual fee

Tarjeta Azul BBVA charges an annual fee of $748 pesos plus VAT, which can be split into up to three installments on your bill.

However, this cost can be waived if you apply online and consistently pay your bills on time throughout the year.

This digital fee waiver policy rewards responsible payment behavior and encourages mindful and digital account use.

Always check during the application process if the fee waiver is active, as promotions may vary by channel and customer profile.

Annual interest rate

Installment purchases or revolving balances incur annual interest equal to TIIE + 52 points, averaging about 50.65% per year.

These interest rates apply when you pay less than the total bill or use installment options that include interest.

For ATM cash withdrawals, this rate also applies, added to the withdrawal commission, which can make the transaction costlier.

If possible, always pay your full bill to avoid high interest charges and keep your credit use cost-free.

Total Annual Cost (CAT)

The Total Annual Cost (CAT) includes all card expenses: interest, commissions, insurance, and mandatory fees, expressed as an annual percentage.

The average CAT for Tarjeta Azul BBVA is 71.5% without VAT, a reference value that helps compare the real cost with other cards.

Taking out a loan comes with a cost. Always assess the Total Annual Cost (CAT) and your ability to repay before committing financially.

Credit conditions may be changed without prior notice by financial institutions. For updated information, visit the provider’s official site.

Cash withdrawals

ATM withdrawals carry a commission of around 6.5% + VAT, potentially exceeding 7% of the amount withdrawn in a single operation.

In addition to this fee, interest is charged immediately after withdrawal, with no grace period like regular purchases.

That’s why cash advances should be used cautiously and only in emergencies, since they accumulate more charges than installment purchases.

You may also qualify for the “Efectivo Inmediato” feature, which offers cash in installments with fixed rates via the BBVA app.

Card replacement

If your card is lost, stolen, or damaged, you can request a replacement for approximately $173 to $180 pesos + VAT.

The request is made via the BBVA app or phone support, and the new card is delivered to your registered address in a few days.

This service ensures continued credit access while maintaining safety and convenience in case of everyday setbacks.

Avoid multiple replacements within the same year, as some banks may limit this benefit or review frequent requests.

Late payment fee

In case of late payment, the bank charges a penalty ranging from $418 to $447 pesos + VAT, plus late interest on the due amount.

These charges can significantly increase your balance, so it’s crucial to pay at least the minimum before the due date.

Tarjeta Azul BBVA may suspend benefits like the annual fee waiver if late payments are frequent, also affecting your credit history.

Being punctual helps you avoid extra costs and maintain your financial health with the card over time.

Conclusion

Now that you know all the details about Tarjeta Azul BBVA, it’s easier to decide if it matches your lifestyle and needs.

With benefits ranging from point rewards to waived online fees, this card delivers convenience without compromising on security.

And even with its applicable fees, you can use credit responsibly, tracking everything through the app and avoiding surprises on your bill.

Liked it? Want to explore a card with even more benefits? Check out the article below and discover everything about the Platinum BBVA Credit Card!