Many individuals in Mexico lack a credit history, making it difficult to access traditional financial services like credit cards and loans. This exclusion limits their ability to build credit and participate fully in the formal economy.

Blu provides a credit card designed for individuals in Mexico with limited or no credit history. The application process requires only an INE (National Electoral Institute) identification and can be completed via a mobile app in minutes. Blu offers a revolving line of credit that grows with responsible use, helping users establish a positive credit history. The Blu Mastercard is accepted at millions of merchants, both online and in physical stores, providing access to a wide range of purchasing options.

Credit line up to $10,000 MXN

No annual fee

99% approval rate, even without prior credit history

Digital card with dynamic CVV for secure online purchases

Guaranteed credit limit increases within the first 8 months with on-time payments

55-day interest-free grace period

Cash withdrawal access at Mastercard-accepting ATMs in Mexico

Payment options via bank transfer (SPEI) or cash deposit at OXXO stores

Backed by Mastercard and regulated by PROFECO (Federal Consumer Protection Agency)

Blu targets underbanked individuals in Mexico who lack a credit history and are seeking to establish or improve their creditworthiness.

Blu generates revenue through a one-time opening commission (ranging up to the initial credit limit, including VAT), interest charges on outstanding balances, and fees for cash withdrawals and international usage.