Tarjeta de crédito Nubank: beneficios, comparaciones y todo lo que necesita saber

Nubank is one of the most popular fintech companies in Latin America, known for offering a no-annual-fee credit card that’s easy to use and completely digital.

In Mexico, where digital banking services are on the rise, Nubank has attracted an increasing number of customers seeking a practical and affordable alternative to traditional credit cards.

In this article, you’ll learn about the advantages of the Nubank card, see how it compares to other banks, and understand why it might be a good choice.

1. What is the Nubank Credit Card?

The Nubank credit card is one of the main products of the Brazilian fintech Nubank, which launched in Mexico under the name “Nu Mexico” and has already gained millions of users.

The card is issued with the Mastercard network, allowing its use at establishments worldwide. Its main features include:

• Zero Annual Fee: Nubank doesn’t charge an annual fee, making it accessible for those who want a low-cost credit card.
• App-Based Control: Every aspect of the card—from credit limit increases to bill payments—can be managed through the Nubank app, available on Android and iOS.
• Contactless Technology: The card is equipped with contactless payment technology, offering convenience and security when making purchases.

Additionally, Nubank offers the “Nubank Rewards” program, where customers can accumulate points with their purchases and redeem them for rewards, such as bill discounts and streaming service benefits.

2. Comparison with Other Credit Card Companies in Mexico

In the Mexican market, Nubank competes with several traditional and digital financial institutions, such as BBVA, Santander, and RappiCard. The table below compares Nubank with other popular options:

Compañía	Cuota Anual	Tecnología Digital	Programa de recompensas	Extra Benefit
Nubank	No	Aplicación completa	Nubank Rewards (optional)	Full control via app
BBVA	Sí (variable)	Aplicación parcial	Puntos BBVA	Beneficios para socios
Santander	Sí (variable)	Aplicación parcial	Santander Rewards	Descuentos en compras
RappiCard	No	Aplicación completa	Cashback on purchases	Direct cashback

The main difference of Nubank compared to its competitors is its simplicity and low cost, as many traditional banks in Mexico charge annual fees.

While RappiCard also offers the benefit of no annual fee, Nubank stands out for its ease of use, allowing customers full control over the card via the app.

On the other hand, traditional banks such as BBVA and Santander still charge annual fees but offer point programs and various benefits.

3. Benefits of the Nubank Credit Card

The Nubank card offers a series of benefits that make it attractive to the Mexican audience, especially for those seeking a card with low fees and easy management.

• No Annual Fee: One of the biggest draws of Nubank is the absence of an annual fee, helping customers save annually compared to traditional cards.
• Easy Limit Increases: Credit limit increase requests can be made directly in the app, without the need for phone calls or bureaucratic processes.
• Installment Payment Options: If needed, customers can opt to split their bill into installments, with rates that vary based on customer profile and credit analysis.
• Fast Digital Support: Nubank is known for its excellent customer service, accessible at any time through the in-app chat.

4. Digital Card Popularity Chart in Mexico

Digital cards are becoming increasingly popular in Mexico. Below is a breakdown of the percentage of digital credit card users compared to traditional bank card users.

• Digital Cards (Nubank, RappiCard): 55%
• Traditional Bank Cards (BBVA, Santander): 45%

This growth in digital cards reflects the changing profile of consumers, who are seeking simpler, faster banking services with fewer fees.

5. How to Apply for the Nubank Credit Card?
To apply for the Nubank credit card in Mexico, simply download the Nu Mexico app from the app store (Android or iOS) and follow these steps:

1. Registration: Enter your personal details, including full name, CURP, monthly income, and address.
2. Análisis de crédito: After submitting your details, Nubank will conduct a credit analysis that may take a few days.
3. Card Delivery: If approved, the card will be sent to the registered address and can be activated directly in the app.

Conclusion: Is the Nubank Card Worth It in Mexico?

For those who want an affordable, easy-to-use, and no-annual-fee credit card, Nubank is an excellent choice in Mexico.

It’s ideal for people who prioritize convenience and prefer fully digital banking.

Compared to other options, Nubank provides a straightforward service with no hidden fees, making it especially appealing to younger audiences and tech-savvy users.

If you’re looking for a card that allows you to save and provides full control through your smartphone, Nubank is a top choice in the Mexican market.