Maya credit cards
Maya offers 3 consumer credit cards, with annual fees from ₱0, interest of 3% a month.
For card concerns, call Maya at +632 8845 7788 or 1-800-1084-57788 (Daily 8 AM to 7 PM; after-hours calls are taken for emergencies such as a lost phone or unauthorized transactions. The 1-800 number is toll-free).
The cheapest Maya card to hold and carry a ₱20,000 balance on for 3 months is the Maya Black Credit Card at ₱1,212, 2nd of 127 cards open to the public; the lowest income asked is ₱180,000 a year, on the Maya Black Credit Card.
Fees and rates as printed on Maya's fee table (dated 23 June 2026); contact and application details from Maya's own site; the interest ceiling is set by the Bangko Sentral ng Pilipinas in BSP Circular No. 1165, s.2023.
BSP supervised: Maya Bank, Inc., digital bank, BSP institution ID 462, is on the BSP Verifier list dated Sep 28, 2026.
Maya credit card hotline and customer service
| Card hotline | +632 8845 7788 or 1-800-1084-57788 Daily 8 AM to 7 PM; after-hours calls are taken for emergencies such as a lost phone or unauthorized transactions. The 1-800 number is toll-free.Maya contact page |
|---|---|
| Lost or stolen card | +632 8845 7788 or 1-800-1084-57788 Block the card in the Maya app first (Cards, select the card, Block this card), then call Maya; the hotline takes after-hours emergency calls.Maya contact page |
| Other channel | Help Center in the Maya app (Profile, Get help): raise a ticket or chat with a live agent; ticket replies come by email within 2 working days bank page |
| Other channel | Maya Center concerns: +632 8845 7777 or toll-free 1800 1084 57777 (PLDT) bank page |
Call only the numbers printed on Maya's own site.
How to apply for a Maya credit card
- Tap the Maya Black or Landers Cashback Everywhere banner in the Cards tab.
- Enter a friend's referral code if you have one, and your details (the Landers card also asks for your Landers membership number).
- Choose the name to print on your card.
- Choose your monthly billing date.
- Once approved, use the card details in the app for online payments right away.
Where to apply: Apply only in the Maya app (Cards tab), with an upgraded Maya account; the Landers card also needs an active Landers membership number. bank page
How long it takes: The application takes under 5 minutes in the app; Landers card approval takes up to 72 hours. The physical card arrives within 4 working days in Metro Manila and 10 elsewhere. bank page
Check your Maya application status
Maya sends your application status by in-app notification and SMS. Maya application status
Maya credit card requirements
Who can apply
- 21 to 65 years old
- Filipino citizen
- Regular monthly income of at least ₱15,000
- An active, upgraded Maya account
- Landers Cashback Everywhere: an active Landers membership (non-members can sign up)
Requirements as the bank lists them
Other applicants
- An upgraded Maya account (the upgrade needs 1 to 2 valid IDs)
- Personal details
- Employment details
- Contact reference
- For the Landers card: your Landers membership number
Income: each card has its own floor, from ₱180,000 a year on the Maya Black Credit Card. The table below shows every card's.
Maya secured credit card
Maya Black Express: You cannot apply for it directly: Maya offers it to some Maya Black applicants who do not yet qualify. You accept with a one-time deposit of at least ₱12,500 from your Maya wallet or savings, and your limit is 80% of it (₱10,000 on ₱12,500). The deposit earns 3.5% a year, and after 6 months Maya can review you for a regular Maya Black and return the deposit. Minimum deposit: ₱12,500. bank page
A secured card is the usual route when you have no card history or your income is below the bank's floor. Compare it with other first cards on the beginner list.
Which Maya card to pick
| If | Pick | Why | Watch out |
|---|---|---|---|
| You want the lowest cost | Maya Black Credit Card | Cheapest Maya card on a ₱20,000 balance paid off in 3 months plus a year of fees: ₱1,212. | The no-fee terms depend on use: no annual fee as long as you use the card at least once a month; a ₱50 inactivity fee applies from the 7th month in any month without a transaction. |
| You are applying for your first card | Maya Black Credit Card | Lowest stated income requirement at Maya: ₱180,000 a year. | The no-fee terms depend on use: no annual fee as long as you use the card at least once a month; a ₱50 inactivity fee applies from the 7th month in any month without a transaction. |
| You want a travel and miles card | Maya Black Credit Card | Lowest yearly fee among Maya's travel and miles cards: No annual fee. | The no-fee terms depend on use: no annual fee as long as you use the card at least once a month; a ₱50 inactivity fee applies from the 7th month in any month without a transaction. |
Every Maya card compared
| Card | Annual fee | Interest a month | Minimum income | Cash advance fee | Fee waiver | Source |
|---|---|---|---|---|---|---|
| Maya Black Credit Card | No annual fee | 3% | ₱180,000 a year | ₱200 | No fee while you use the card | Maya page |
| Maya Black Express Credit Card By invitation | No annual fee | - | - | - | By invitation | Maya page |
| Landers Cashback Everywhere Credit Card | No card fee | 3% | ₱180,000 a year | ₱200 | No card fee; membership fee charged | Maya Bank Help Center, credit card fees and charges |
Source: Maya fees and charges and each card's product page. Networks: Visa. 1 card is limited to a group of clients and left out of the picks above.
How Maya bills: minimum due, fees and interest
| Late payment fee | ₱1,000 or the unpaid minimum amount due, whichever is lower. Maya Bank Help Center, credit card fees and charges |
|---|---|
| Foreign transactions | 2% processing fee on foreign currency transactions. Maya Bank Help Center, credit card fees and charges |
| Annual fee waiver | Maya Black and Maya Black Express: No annual fee; a ₱50 inactivity fee applies from 6 months after approval in any month without a transaction. bank page |
| Annual fee waiver | Landers Cashback Everywhere: The card fee is waived, but the Landers membership renewal fee is charged to the card every year at Landers' current rate. bank page |
| Fee table date | 23 June 2026. source |
| BSP ceilings | 36% a year (3% a month) on interest, a 1% a month add-on on instalments, and ₱200 on the cash advance processing fee with no other fee allowed, under BSP Circular No. 1165, s.2023. BSP Circular No. 1165, s.2023 |
To see what a balance costs at Maya's rate, use the credit card interest calculator.
Paying your Maya card, and promos
- Maya app, from Maya Wallet or Maya Savings (same day)
- Cash at an AUB branch virtual teller kiosk (next banking day)
- AUB Mobile Banking, HelloMoney or Hello Pag-IBIG app (1 to 3 banking days)
- Transfer to your Maya Savings by RTGS from another bank, then pay in the app
- Deposit over the counter at any Metrobank branch and email the proof of payment (2 banking days)
- Check drop at Landers, for Landers cardholders (3 to 5 banking days)
Promos change every few weeks. See the current ones on Maya's credit card promos page.
Maya credit card questions
What is the Maya credit card hotline?
+632 8845 7788 or 1-800-1084-57788 (Daily 8 AM to 7 PM; after-hours calls are taken for emergencies such as a lost phone or unauthorized transactions. The 1-800 number is toll-free). To report a lost or stolen card: +632 8845 7788 or 1-800-1084-57788. These are the numbers on Maya's own website.
How do I apply for a Maya credit card?
1. Tap the Maya Black or Landers Cashback Everywhere banner in the Cards tab. 2. Enter a friend's referral code if you have one, and your details (the Landers card also asks for your Landers membership number). 3. Choose the name to print on your card. 4. Choose your monthly billing date. 5. Once approved, use the card details in the app for online payments right away.
How do I check my Maya credit card application status?
Maya sends your application status by in-app notification and SMS.
What are the requirements for a Maya credit card?
21 to 65 years old; Filipino citizen; Regular monthly income of at least ₱15,000; An active, upgraded Maya account; Landers Cashback Everywhere: an active Landers membership (non-members can sign up). The lowest income Maya states for a card it offers to the public is ₱180,000 a year, on the Maya Black Credit Card.
How much is the Maya credit card annual fee, and can it be waived?
Annual fees run from ₱0. 1 card has no annual fee: Maya Black Credit Card. Maya Black and Maya Black Express: No annual fee; a ₱50 inactivity fee applies from 6 months after approval in any month without a transaction. Landers Cashback Everywhere: The card fee is waived, but the Landers membership renewal fee is charged to the card every year at Landers' current rate.
What is the Maya credit card interest rate?
3% a month on balances left unpaid after the due date; the BSP cap is 3% a month (36% a year).
How do I pay my Maya credit card bill?
Maya app, from Maya Wallet or Maya Savings (same day); Cash at an AUB branch virtual teller kiosk (next banking day); AUB Mobile Banking, HelloMoney or Hello Pag-IBIG app (1 to 3 banking days); Transfer to your Maya Savings by RTGS from another bank, then pay in the app; Deposit over the counter at any Metrobank branch and email the proof of payment (2 banking days); Check drop at Landers, for Landers cardholders (3 to 5 banking days).
What is the best Maya credit card?
On cost, the Maya Black Credit Card (₱1,212 on a ₱20,000 balance over 3 months plus a year of fees, 2nd of 127 cards open to the public).
Cards and your taxes
Card fees and interest do not lower the tax on a salary: Section 34 of the Tax Code allows no deductions against compensation income. A self-employed cardholder who takes the 40% optional standard deduction gets it in place of itemized expenses, so card charges do not reduce tax there either.