In these terms and conditions (“Terms and Conditions”) the following definitions apply:

• “Program” means this Momentos Banamex i.e. the Rewards program offered by Us to you as described in these Terms and Conditions.
• “Banamex, We, Our, Us” means El Banco Nacional de México.
• “You, Your” means the primary cardmember, the person in whose name the Card Account is maintained.
• “Card” means the Descubre Banamex, Explora Banamex, Conquista Banamex and Beyond® Banamex Cards issued by Us.
• “Card Account” means the Card issued by Us on which the Program is offered.
• “Account Terms and Conditions” are the terms and conditions and/or cardmember agreement that govern Your Card Account.
• “Rewards” means any goods, services, benefits, arrangements or other privileges offered by the Program from time to time based on your Card and may include merchandise, vouchers, cashback, card annual fee waivers, travel and points transfer.
• "Points" means the points earned through usage of the Card as set out under the Account Terms and Conditions and which may be used to redeem Rewards as determined.
• “Points Balance” is the then available amount of Points you accrued through usage of the Card. The Points Balance appears on Your statement and at www.banamexrewards.com
• “Redemption” means the use of Points to obtain a Reward through the Program.
• Banamex “Working Day” refers to any day on which banks are open for business in Mexico other than Saturday, Sunday and public holidays in Mexico.
• Cash Rebates – means a statement credit to Your card account.
• “Points Transfer” is the Redemption of Points in exchange for points or miles at a Participating Travel Loyalty Program.
• “Participating Travel Loyalty Program” means any participating loyalty program operated by any airline or hotel which is eligible for You to complete a Points Transfer.

• Your Banamex Credit Card is entitled to participate in the Program at the date of commencement of the Program or the date when the Card is issued to You, whichever is later; provided that Your Card Account is and remains in good credit standing, as determined by Us in Our sole discretion.

• Provided that Your Card Account is in good standing as determined by Us and under the Card Account Terms and Conditions, and Your Card Account has sufficient Points, you are entitled to redeem Reward(s).
• Rewards may be redeemed via the channels We specify. Redemption channels and/or conditions may be changed or varied at Our sole discretion.
• Certain Rewards are available to selected Card types only.
• Once the Redemption has been submitted, the Redemption cannot be reversed, cancelled or changed and the Points cannot be transferred back to your Points Balance.
• All Redemptions are irrevocable.
• You may not return any Reward unless, the Reward is damaged and You agree that the return is subject to the then prevailing terms and conditions We specify in respect of the return.
• The total number of Points required for a Redemption of a chosen Reward will be displayed or communicated during the checkout process.
• Redemptions via phone may require an additional number of Points (compared to Redemptions via the Program website). You will be advised of the total number of Points required at the time of Your Redemption request.
• We have no responsibility or liability in connection with or towards any Reward You redeem under the Program, any death or injury, loss or consequential loss or damage from any Reward or the loss, theft or destruction of any Reward.
• The primary cardmember is the sole authorized person who may perform the Redemption of Rewards.
• Only points shown as available in the most recent Credit Card billing statement are available for redemption.

• Terms relating to the accumulation of Points shall be specified in Your Account Terms and Conditions.
  • Descubre Banamex,Explora Banamex, Conquista Banamex and Beyond® Banamex cards do not accumulate points for instalment purchases.
• Any request for adjustment of Points is subject to Our approval at Our reasonable discretion.
• Rewards and Rewards availability may be determined by Us at Our absolute discretion. We have the discretion to determine if Points may be used to redeem Rewards.
• All questions or disputes regarding eligibility for the Program or eligibility of Points for redemption will be determined by Us at Our sole discretion (exercised reasonably).
• We reserve the right to suspend or exclude You from participating in the Program and forfeit all or part of the Points You have accrued if, in Our opinion, You have in any way breached these Terms and Conditions and/or Your Card Account Terms and Conditions.
• If Your Card Account is terminated at any time for any reason, whether by You or Us, the Card Account will be disqualified from participating in the Program, and all unused Points then accrued is non-transferable to any card account (whether belonging to You or any other person) and shall automatically be forfeited immediately upon termination of Your Card Account.
• Our decision and Our records on all matters relating to the Program shall be conclusive, final and binding on You.
• We are entitled in Our reasonable discretion, from time to time, to vary the Rewards or substitute any Reward with another of a similar value.
• We may at any time in Our reasonable discretion vary, modify or amend the Terms and Conditions of the Program, by giving reasonable notice to You and You shall be bound by such variations, modifications and amendments
• We may, at any time and without any notice, suspend, or, with reasonable notice, cancel or terminate the Program or withdraw, cancel or invalidate any Points and/or Reward already issued and You agree We are not obliged to provide a reason for the suspension, cancellation or termination. We are also entitled, for any reason and at any time, without liability, to suspend the calculation or accrual of Points, to rectify any errors in the calculation of Points or otherwise adjust such calculation.
• Any abuse or fraud in respect of the issuance or accumulation of Points and/or redemption of Rewards may result in the cancellation of all accrued Points and/or Rewards redeemed.
• We are not liable if we are unable to perform Our obligations under these Terms and Conditions, due directly or indirectly to the failure of any machine or communication system, industrial dispute, way, Act of God, or anything outside Our control or Our servants or agents. We shall not be responsible for any delay in the transmission to Us of evidence of retail purchases by the participating merchants or any other third party.
• Save in the case of gross negligence or willful default, We shall not be liable for any errors, delays, omissions in the performance of Our obligations under these Terms and Conditions.
• Banamex reserves the right to provide bonus points to select members
• Points are not the property of the Cardholder and cannot be purchased, sold or transferred in any way (including upon death or as part of a family relationship matter).
• Descubre Banamex & Explora Banamex Points will expire 3 years after the issued date. For Conquista Banamex & Beyond® Banamex Points will expire 5 years after the issued date.
• Points are tracked and can be redeemed based on the expiration of the first ones to be generated.
• The cardholder is responsible for determining his or her tax liability as a result of their participation in the program. Consult a tax advisor regarding the appropriate tax obligations.
• We will not be responsible for points discrepancies. Points discrepancies are not considered credit card billing discrepancies. Banamex's decision with respect to point discrepancies shall be final. Points will be deducted from the cardholder’s Points balance from the moment they are redeemed.
• The program is invalid where prohibited by local, state or federal law.
• We are not responsible for typographical errors or omissions in any program documentation.
• In participating credit card products, as of August 1st 2018, monthly instalments will not generate Points. Purchases made before August 1st 2018, will receive their respective Points every month until the payment period is covered.
• Points cannot be transferred to another account. Points cannot be combined with another loyalty program. 
• In the event of cancellation of the Card, unused Points will be canceled immediately and irrevocably.
• Points cannot be bought, sold or transferred (including upon death). 
• Descubre Banamex, Explora Banamex, Conquista Banamex and Beyond® Banamex Cards and the Points of the Banamex Moments program are for personal use and cannot be used for commercial or travel agency activities. Banamex reserves the right to cancel the Card and the Points accumulated if said activities are detected.
• Points cannot be exchanged for cash or used to offset Cardholder debts.
• Points must be redeemed by the account holder and can be used for another person.
• Cardholders earn Points for all purchases of goods and services paid for with their Descubre Banamex, Explora Banamex, Conquista Banamex and Beyond® Banamex Cards, except for interest-free monthly purchases. To accumulate and redeem points the Card must be up to date with payments.
• The Points are accumulated daily for net purchases (purchases minus returns and adjustments), rounded to the nearest dollar, and subject to verification.
• Banamex reserves the right to modify the terms and conditions of the Momentos Banamex, as well as has the option to restrict, limit, terminate, or cancel the redemption of Points without prior notice.

• Establishments participating in the program will have at least one POS terminal placed at their location, where you can check your balance (in points and the equivalent in pesos) and make redemptions that are considered as payment. Payments can be made entirely or partially with points. This will depend on the payment policies of each establishment.
• Likewise, the applicable return policy will vary depending on where the purchase was made. The list of participating merchants may change at any time without notice. For more details visit www.banamexrewards.com
• To use your points, you must present your credit card at the participating merchant, where you will be asked to show a government-issued ID.
• Tarjetas Banamex SA de CV, SOFOM, ER (Tarjetas Banamex) and Banco Nacional de Mexico SA, a member of Grupo Financiero Banamex, do not acquire any obligation in terms of quality, prices and delivery of goods or services offered by participating merchants.
• To request more information about your account and/or clarification of your balance, please contact Momentos Banamex customer service: Descubre Banamex and Explora Banamex 55.1000.0432; Conquista Banamex 800.111.8443; Beyond® Banamex– national 55.2262.7490 – international 1.415.630.9020
• The maximum period to report a clarification of your payment with points must be 6 months.
• When paying with Points, an invoice cannot be issued.

• Rewards from the merchandise catalog can only be delivered within Mexico.
• At the time of payment, the total amount of points displayed will include cost of the item, shipping, taxes and duties.
• Delivery of a Reward redeemed from the merchandise catalog would at the minimum, take 3 to 4 weeks from the date of Redemption.
• If a Reward redeemed from the merchandise catalog is not sent out from the supplier within 7 days, a status update will be provided to You via email. If such your Reward is not shipped from the supplier within 30 days, Your Redemption will be cancelled and You will be refunded the cost of the Reward in pesos to Your pesos Balance.
• If a merchandise catalog redeemed Reward is damaged when you receive it, you may return such Reward within 5 days after delivery and in the same condition in which it was received. To initiate a return for defective merchandise, please contact Momentos Banamex customer service; Descubre Banamex and Explora Banamex 55.1000.0432; Conquista Banamex 800.111.8443; Beyond® Banamex – national 55.2262.7490 – international 1.415.630.9020
• If Rewards have a warranty, they will carry their manufacturer´s warranty and We give no warranty with respect to Rewards provided by third party merchants and furthermore are not responsible for the fulfilment of warranties. We will not respond to obligations of manufacturers or providers of goods and services and any claims in respect of those Rewards should be made with those suppliers or manufacturers. Merchandise shipped to You from outside Mexico from international merchants and therefore require the import of products into the country may lose their warranty upon importation and such products may not have local technical support. Upon agreeing to redeem an item identified as shipped from outside Singapore Mexico, You may forfeit Your rights to relevant warranties.
• All rewards are subject to availability.
• Rewards shown on the website may not reflect the exact colors or models. We provide the most accurate information based on what our suppliers have provided. We are not responsible for any misrepresentation of rewards.
• Points required to redeem rewards are subject to change without notice.
• If you do not receive your redeemed item within 30 days,  please contact Momentos Banamex customer service; Descubre Banamex and Explora Banamex 55.1000.0432; Conquista Banamex 800.111.8443; Beyond® Banamex – national 55.2262.7490 – international 1.415.630.9020
  

• You may redeem Your Points towards payment of the annual membership fee for Your Card Account in which case, the equivalent amount of such redeemed Points will be credited to your Card Account and will reduce Your Card Account outstanding balance (if any) by the amount of Your annual membership fee.

• If You redeem Points for Cashback, the Cashback will be reflected in Your Card Account in 7 calendar days. We reserve the right to extend the processing time without notice.
• The Cashback redeemed and credited to Your Card Account is not considered a payment to Your Card Account and cannot be used to offset the minimum amount due, total amount due or any amount in between that is due on Your Card Account statement. You are required to settle at least the minimum amount due to avoid late charges from being billed to the Card Account.

Please review the terms, conditions, and notices set forth below. Reward redemption or purchase of travel components constitutes your agreement to all such terms, conditions, and notices.