Begin Your Credit Journey Right with Maya Black Express Credit Card

You've been considering applying for a credit card, but you're unsure of where to begin or are having trouble getting approved. Maya Black Express simplifies it. It's your doorway to managing your spending, accumulating rewards, and establishing credit—all without having to worry about confusing terms or rejections. It is designed for the experience generation, which includes those who desire access, rewards, and control while establishing sound financial practices and a high credit score. It is powered by Maya, the top digital bank and Fintech ecosystem in the Philippines.

Here’s why Maya Black Express is your best option:

1. It gives you credit freedom, minus the stress

You may enjoy all the advantages of credit with Maya Black Express without the stress that typically accompanies it. As soon as you qualify, you can activate your card through the Maya app and start taking advantage of benefits like instant Maya Miles on all purchases, access to airport lounges, and no annual fees—all with a spending cap that you set.

You will receive a monthly charge for your purchases, just like you would with any other credit card, and you can conveniently pay it through the Maya app. Here's where Maya Black Express comes in handy, though: your Express Deposit will cover you if you miss a payment due to unforeseen circumstances. It automatically pays off your bill after 60 days of nonpayment, safeguarding your credit score and avoiding needless costs. It's easy, clear, and stress-free; after that is resolved, your card will be closed to stop future transactions.

2. Your deposit becomes your spending power

What distinguishes Maya Black Express from debit and credit cards is that your Express Deposit, which starts at just ₱12,500, serves as your spending cap. However, it does more than just sit there like a standard deposit. It remains in your Maya Savings and accrues interest at a rate of 3.5% per year.

Additionally, this deposit acts as a safety net for your finances. Your credit limit is 80% of your deposit, which allows you to spend as you like while keeping your money safe and useful. Thus, in addition to spending, you're saving, which is not possible with a standard debit or credit card.

3. It helps you build credit and better money habits

Your credit score rises with each purchase you make with your Maya Black, setting you up for more prospects. You can get the full Maya Black Credit Card in as little as six months.

Additionally, since your deposit determines your credit limit, it encourages you to develop responsible spending habits while still taking advantage of premium benefits.

4. It’s fully digital and completely transparent

Everything takes place within the Maya app, including payments and activation. Real-time savings management, credit monitoring, and transaction tracking are all available. Complete visibility and control without any paperwork, unstated costs, or guessing.

5. It’s built for the lifestyle you actually live

This credit card travels with you whether you're making travel arrangements, paying payments, or treating yourself to little indulgences. You can avoid inactivity penalties and never have to pay annual fees as long as you complete at least one transaction each month. It is adaptable, low-maintenance, and made to fit your actual spending habits.

By bridging the gap between debit and credit, Maya Black Express offers you superior benefits, complete control, and an early advantage in establishing credit and improved financial practices. Are you prepared to live the Black Card lifestyle, receive benefits, and establish credit? Apply now for Maya Black.

Stay updated by visiting maya.ph or mayabank.ph, and 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.