In dimension $2$, if the Hessian matrix is $\begin{pmatrix}0&b\\\b&d\end{pmatrix}$ with $b\
e0$ then the eigenvalues are $\frac12(d\pm\sqrt{d^2+4b^2})$, one positive and one negative, hence the critical point is a saddle point. If the Hessian matrix is $\begin{pmatrix}0&0\\\0&d\end{pmatrix}$, the eigenvalues are $0$ and $d$ hence the critical point is not a saddle point.
To sum up, the fact that the $(1,1)$ entry of the Hessian matrix at a critical point is $0$ is _almost_ , but _not quite_ , sufficient to declare that this point is a saddle point.