Walmart de México has introduced two new t in collaboration with Invex Banco, with technological support from Mastercard. The proposal focuses on offering bonuses, discounts and interest-free financing for purchases within the company's ecosystem and at any other store.
The launch comes at a time when a significant portion of consumption in Mexico remains cash-based and there is still room to expand access to credit. According to Mastercard data, Only 53% of adults in the country have a credit card, a figure lower than that of other markets in the region.
What do the new cards offer?
The Walmart INVEX and Sam's Club INVEX credit cards come with a benefits structure designed for everyday use. Key features include: the absence of an annual fee when making at least one monthly purchase at any store and a cash rewards scheme through the Cashi app.
In the case of purchases within Walmart Mexico, the transactions generate a 3,5% bonus at Cashiwhile other establishments offer 1%. Furthermore, the first purchase with the card applies one 10% offand they join months without interest at Bodega Aurrera, Walmart and Sam's Club.
The broadcast takes place in physical and digital formatwith the possibility of paying in physical stores, online and through apps, integrating the use of the Cashi wallet to easily manage bonuses and payments.
Availability and channels to request it
Both credit options are available Starting October 30th at Walmart stores and Sam's Club clubs with nationwide coverage. They can also be requested digitally through the Invex Tarjetas website and the Cashi app.
The registration process is designed to be quick and completely digital, allowing more customers to access a Fast and secure credit evaluation without the need for complex procedures.
Security, technology, and acceptance
The ecosystem relies on Mastercard technology, with multiple layers of protection and authentication For purchases in physical stores and online, both within and outside of Mexico. The priority is to facilitate fast, frictionless payments with high security standards.
The combination of a physical card and a digital credential allows for greater flexibility in operations, while reinforcing trust in each transaction thanks to anti-fraud measures and tokenization in the digital environment.
Financial inclusion: the underlying goal
Walmart de México and Invex position this launch as a key element to boost the transition from cash to digital paymentsA key lever for expanding access to financial services. Market reality shows that cash continues to have a significant presence in the country.
To reduce that gap, the proposal incorporates a guaranteed card option This program is designed for those without a credit history. Its aim is to facilitate approval and enable more people to gradually build a credit history.
Main conditions and benefits
Among the most relevant features of the new cards, the company highlights a benefits package designed to reward frequent use and responsible spending. Below are the most practical aspects for the user, including cash incentives and no maintenance fees conditional:
- No annual fee when you make a minimum purchase per month at any store.
- 3,5% bonus in Cashi for purchases at Walmart Mexico and 1% at other stores.
- 10% discount on the first purchase made with the card.
- Interest-free installments at Bodega Aurrera, Walmart and Sam's Club.
- Available in physical and digital formats with advanced security measures.
- Guaranteed credit option to facilitate access for new users.
Additionally, project spokespeople have indicated that the credit line could reach up to 400.000 Mexican pesos, according to the applicant's profile and evaluation.
The role of each partner: Walmart, Invex and Mastercard
Walmart emphasizes that the goal is to offer simple and accessible financial solutions for millions of customers who visit their stores and digital channels daily, integrating discounts, bonuses and interest-free financing.
Invex, for its part, emphasizes its commitment to digital banking and co-branded products, with a 100% online environment for product application and management, and the Issuance of physical and digital cards that prioritize the user experience.
Mastercard participates as a technology partner to drive the digitization of payments, expanding acceptance and providing international safety standards that allow for barrier-free operation both in Mexico and abroad.
Context and background in the market
The Mexican market has a wide range of credit options, although banking penetration remains below that of neighboring countries. Therefore, initiatives from the retail sector, based on consumption data and loyalty programs with tangible savings , the cards from large stores, gain prominence to accelerate the adoption of digital payment methods.
Walmart has already explored co-branded credit card agreements in the country and currently offers a card issued by Inbursa. The current partnership with Invex and Mastercard strengthens this strategy, with a proposal focused on bonuses, MSI and expanded access for new and existing customers.
The launch of the Walmart INVEX and Sam's Club INVEX cards is positioned as a relevant move in the retail-financial segment: More payment channels, clear incentives, and a nod to inclusion with the guaranteed option, seeking to make the transition from cash to the digital environment truly beneficial for the consumer's wallet.