Thinking about getting a credit card but don’t know where to start? Or can’t seem to get approved? Maya Black Express makes it simple.
Maya Black Express is your gateway to building credit. Plus, earn perks. And most importantly, manage your spending without worry. This is powered by Maya, the #1 Fintech Ecosystem and #1 Digital Bank in the Philippines.
Why Maya Black Express
The Maya Black Express is built for the experience generation. It is for you who want access, rewards, and control. All while building good money habits and a solid credit score.
Stress-Free Credit Freedom
With the Maya Black Express, you get all the benefits of credit without the anxiety that usually comes with it. You can activate your card right in the Maya app once eligible. And instantly enjoy perks such as earning instant Maya Miles on every spend, airport lounge access, and zero annual fees, all with a spending limit you control.
You’ll receive a monthly bill for your purchases, which you can easily pay right through the Maya app.
But here’s where Maya Black Express has your back. If life happens and you miss a payment, your Express Deposit steps in for you. It automatically covers your balance after 60 days of nonpayment. This protects your credit score and spares you from unnecessary fees. Your card will
then be closed to prevent further charges when that is settled. Simple. Transparent. Stress-free.
Set Your Own Spending Power with Maya Black Express
Maya Black Express is different from both debit and credit cards. Your Express Deposit, starting at just ₱12,500, is your spending limit. But unlike a regular deposit, it does not just sit there. It stays in your Maya Savings, earning 3.5% interest annually.
This deposit also serves as your financial safety net. 80% of your deposit becomes your credit limit. This gives you spending flexibility while ensuring your funds stay secure and productive. You are also saving while you spend.
Build Credit
The Maya Black Express helps you build credit and better money habits. Every time you spend with your Maya Black, it helps build your credit score. A better credit score prepares you for bigger opportunities: from higher limits to the full Maya Black Credit Card in as fast as six months.
Because your deposit sets your credit limit, you build good habits like spending within your means while still enjoying premium perks.
Maya Black Express is Fully Digital and Transparent
This card is fully digital and completely transparent. From activation to payments, everything happens inside the Maya app. You can track your transactions. Monitor your credit. And you can even manage your savings in real time. No paperwork, no hidden fees, and no guesswork. Everything is fully visibility and you are in control.
Built For You
Finally, enjoy the lifestyle you actually live. You can pay for your essentials. Pay bills. Book trips. Reward yourself. Make sure to make at least one transaction a month so you can skip inactivity fees. And they promise you will never pay annual fees, ever. It is flexible and low-
maintenance. Designed for how you really spend.
It bridges the gap between debit and credit by giving you premium perks, full control, and a head start on building your credit and better money habits.
Ready to build your credit, earn perks, and live the Black Card lifestyle? Apply for Maya Black today.
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About Maya
Maya is the #1 Fintech Ecosystem in the Philippines, with Maya, the #1 Digital Bank, and Maya Business, the #1 Omni-Channel Payment Processor. Maya Bank is a digital bank regulated by the Bangko Sentral ng Pilipinas (BSP), with deposits insured by the Philippine Deposit Insurance Corporation (PDIC) up to ₱1 million per depositor.
Visit maya.ph or mayabank.ph to learn more. Follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). Deposits are insured by PDIC up to ₱1 million per depositor.ok and @mayaofficialph on Twitter.
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