The HSBC Zero credit card is a product offered by HSBC México.
Because card pricing and eligibility can change, use this as a practical overview and always confirm the latest figures on HSBC’s official pages before applying.
What the HSBC Zero Credit Card Is
HSBC Zero is positioned as a card focused on keeping core card fees low, with an advertised annual fee of MXN 0.
It has a simple online flow where you submit personal, address, and financial details as part of the application process.
Is promoted for everyday purchases and card features like contactless use.
The card’s “no-fee” message depends on meeting certain monthly usage conditions, so it works best when you can use it consistently.
Eligibility and Requirements
Applicants should be adults with a credit history and a good repayment record, and it also notes having other cards as part of its recommendations.
One official brochure lists an age window up to 74 years 11 months, which matters if you are applying later in life.
A minimum monthly income recommendation of $25,000 MXN, with a separate figure for customers with Nómina HSBC shown on the same page.
In the brochure, HSBC also lists $5,000 MXN as a minimum monthly income requirement.
Documents HSBC lists for branch requests
You can apply in a branch with an official ID, and it specifically mentions voter ID and, for foreigners, FM2 and a passport.
HSBC also requests a recent proof of address, such as a utility bill or property tax receipt, with limited recency.
For income, options such as payroll receipts or evidence of other financial products, depending on your situation.
How to Apply for an HSBC Zero Credit Card
A three-step online application starts with personal and address data and then asks for financial information as registered at the credit bureau.
If you use the HSBC app, there are timing considerations for when a newly activated card will appear in the app.
The safest approach is to match your application details to your official records, because inconsistencies can slow approvals.
Applying online in HSBC’s “3 steps”
Step one is to enter personal and address data within the online flow.
Step two is to capture your financial details as they appear in the Buró de Crédito.
Step three is to provide additional information to complete the request.
Applying at a branch
You can apply at a branch if you bring the required identification, address proof, and income evidence.
HSBC’s list includes concrete examples of acceptable documents, which reduces guesswork before you visit a branch.
The product is offered in Mexico with a credit line in Moneda Nacional, which is relevant when you budget and compare FX costs.
Benefits and Features
Highlights “no commissions” messaging, but the fine print makes it clear that some fees can apply depending on monthly usage and payment behavior.
Common card conveniences include additional cards, contactless payments, and compatibility with digital wallets such as Apple Pay.
Promotions like Meses Sin Intereses at participating merchants, which is a common feature in Mexico, can help with planned purchases.
For security, protections are tied to card use and explain where to start a claim process for certain benefits.
Fee structure highlights that affect the “no-fee” value
The card has a $0 MXN annual fee in its legal cost disclosure text.
An administration fee concept with a monthly amount, which explains that it can be waived if you meet a monthly spending threshold.
Failing to pay at least the minimum by the due date can trigger a late payment penalty.
Promotions and everyday-use features HSBC mentions
The brochure references Meses Sin Intereses availability at participating merchants and categories.
HSBC also highlights promotions and discounts through its promotions pages, which can be useful if you time purchases with active offers.
You can request additional cards and use contactless technology, which can make shared household spending easier to track in one account.
Interest Rates and Key Cost Metrics
CAT Promedio is 96.4% (sin IVA, informativo) with a stated validity window and calculation date.
HSBC lists a tasa de interés promedio ponderada por saldo del 47,42 % junto con ese anuncio de CAT.
The Comisión anual $0.00 MXN (sin IVA) is in the same disclosure block.
Customer Support, Phone Numbers, and Address
For general customer contact in Mexico, HSBC lists 55 5721 3390 and also provides a national long-distance option 800 712 4825 on its contact page.
El número de teléfono de la UNE (Unidad Especializada de Atención a Usuarios) es 55 5721 5661.
The official address is at Av. Paseo de la Reforma 347, Torre HSBC, Colonia Cuauhtémoc, C.P. 06500, Ciudad de México.
If you are reporting loss, theft, or unrecognized charges, HSBC’s Zero brochure also directs cardholders to report it using the main Mexico contact number.
HSBC Mexico Credit Cards Comparison
Below is a comparison showing how the HSBC Zero Credit Card compares with other HSBC Mexico credit cards.
| Credit Card | Annual Fee (MXN) | CAT (Avg., excl. VAT) | Interest Rate Level* | Best For |
|---|---|---|---|---|
| HSBC Zero | $0 | ~96% | High | Users who want no annual fee and plan to pay balances in full |
| HSBC 2Now | $0 | ~91% | High | Everyday spending with basic benefits and no yearly cost |
| HSBC VIVA | $0 (with usage conditions) | ~99% | High | Travelers who want airline-related perks without paying annual fees |
| HSBC VIVA PLUS | ~$3,100 | ~83% | Medium | Frequent travelers who value airline benefits and rewards |
| HSBC Air | ~$900 | ~52% | Medium–Low | Users who may finance purchases and want lower interest |
| HSBC Advance Platinum | ~$2,900 | ~61% | Medium | Premium lifestyle perks with better rates than basic cards |
| HSBC Premier World Elite | ~$6,700 | ~43% | Low | High-income users seeking top-tier travel and lifestyle benefits |
Final Take
HSBC Zero credit card can make sense if your main goal is to keep annual fees at $0 MXN while having access to standard card features.
The key “make-or-break” detail is whether you can meet the monthly usage condition to waive the administration fee.
Before you apply, review the latest CAT Promedio, published fee list, and eligibility criteria.
Disclaimer: This article is for general information and is not financial advice or a guarantee of approval, rates, or credit limits. HSBC can change fees, promotions, and eligibility rules, so always confirm current terms on HSBC México’s official website or by calling their official numbers. Interest metrics like CAT and portfolio-average rates are published disclosures and may not match the exact terms offered to an individual applicant. If you need product-specific clarification, contact HSBC directly using the official contact channels listed above.
