UsapangCredit

Maya Black Credit Card

The Maya Black Credit Card is a digital-first credit card designed for users who want rewards, security, and full control in one app. It earns miles on everyday spending, with boosted rewards at partner brands, and offers global lounge access for travel. Managed entirely through the Maya app, it features a numberless card, instant controls, and a fast application process. With no annual fee for life as long as you stay active, it’s built for modern, mobile-first users.

Key perks

  • Earn 1 mile per ₱40 spend with up to 10x miles at partner brands.
  • No annual fee for life with just one spend per month.
  • Global airport lounge access worldwide.

At a Glance

Card Tier:

Premium

Rewards Type:

Miles

Best For:

Travel

Min Annual Income:

n/a

Annual Fee:

0

Annual Fee Policy:

Free for Life

Features & Benefits

Earn 1 Maya Mile for every ₱40 spend, redeemable for flights, shopping, and rewards.

Earn up to 10x Maya Miles at Maya Black Preferred brands.

Enjoy global airport lounge access worldwide.

No annual fee for life—just spend at least once per month to keep it waived.

Use a numberless card with details visible only in the Maya app for added security.

Freeze/unfreeze your card instantly and adjust spending limits directly in the app.

Tap to pay with Google Pay via Google Wallet on Android devices.

Fully digital application—apply and get approved in minutes through the Maya app.

More Reasons To Love This Card

Installment & Payment Features

Credit to Cash:

n/a

Purchase Installment:

Mini Payments

Balance Conversion:

n/a

Balance Transfer:

n/a

Special Installment:

n/a

Send Money:

n/a

Bills Payment:

n/a

Not sure what these mean? Here’s a quick guide to help you understand each feature.
  • Credit to Cash — Convert part of your credit limit into cash and repay it in fixed monthly installments over a set period.
  • Purchase Installment — Convert an existing or recent straight purchase into installments so you can pay it off monthly instead of in one full payment.
  • Balance Conversion — Convert your current credit card balance into installments to make repayment more manageable with fixed monthly amounts.
  • Balance Transfer — Move your balance from another credit card to this card, usually with lower interest or on installment terms.
  • Special Installment — Pre-arranged installment offers for specific purchases (e.g., partner merchants or promos), often with 0% interest for a set term.
  • Send Money — Transfer funds directly from your credit card to a bank account or e-wallet, typically with a fee.
  • Bills Payment — Pay your bills using your credit card—either manually (on demand) or automatically (auto charge).

Travel Features

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General Features

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Fees & Charges

Annual Fee:

0

Annual Fee note:

Free for Life

Annual Fee Supplementary:

n/a

Annual Fee Supplementary note:

n/a

Retail Monthly Interest Rate:

3%

Cash Advance Monthly Interest Rate:

3%

Cash Advance Fee:

₱200

Processing Fee – Credit to Cash:

n/a

Processing Fee – Purchase Installment:

₱0

Processing Fee – Balance Conversion:

n/a

Processing Fee – Balance Transfer:

n/a

Send Money Fee:

n/a

Note: The installment processing and Send Money fees shown above reflect the minimum applicable amount. Actual fees may vary depending on the transaction amount, currency involved, or how the request is initiated (e.g., through electronic channels or via customer service).

Eligibility & Requirements

Eligibility

  • You are 21 to 65 years old
  • You are a Filipino resident
  • You have a regular monthly income

Requirements

  • Upgraded Maya account (free; requires 1–2 valid IDs)
  • Additional information that may be asked during the application
    • Personal details
    • Employment details
    • Contact reference