Maya Black Credit Card: fees, interest and requirements
The Maya Black Credit Card has no annual fee while you use it, charges 3% a month on unpaid balances and needs a minimum income of ₱180,000 a year.
Verdict: Worth it if you fly often enough to use its miles or lounge access; with no annual fee it costs nothing to hold when you pay in full. Skip it if you earn under ₱180,000 a year or if you would leave it unused.
From Maya's card page, dated 23 June 2026. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest and there is no annual fee to add, 2nd lowest of 127 cards open to the public (tied with 12).
Maya's closest card is the Landers Cashback Everywhere Credit Card. Against it, this card earns rewards on different terms and has different perks.
BSP supervised: Maya Bank, Inc., digital bank, BSP institution ID 462, is on the BSP Verifier list dated Sep 28, 2026.
What the Maya Black Credit Card gives you
- 1 Maya Mile per ₱40 spent, up to 10x at Maya Black Preferred merchants. Maya page
- Quarterly airport lounge passes through DragonPass same page
- Convert Maya Miles to airline miles in the Maya app Maya card page
- Travel perks including travel insurance and free eSIMs same page
- Numberless card; card details show only in the Maya app same page
Who should get the Maya Black Credit Card
| If | Then |
|---|---|
| You pay in full every month and want a travel and miles card | No travel and miles card from another bank costs less a year for the same or a lower income. |
Maya Black Credit Card downsides, and what a late payment costs
- 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.
If you pay late: Maya charges up to ₱1,000, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
Maya Black Credit Card annual fee, interest and charges
| Charge | Maya Black Credit Card | When, and the rule |
|---|---|---|
| Annual fee | No annual fee | 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. Fee table: No annual fee.Maya card page |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). Maya fee table, 23 June 2026 |
| Cash advance | ₱200 a withdrawal plus 3% a month interest | The BSP maximum (Circ. 1165). same table |
| Late payment | ₱1,000 | same table |
| Foreign transactions | 2% | same table |
Figures from Maya card page, Maya Bank Help Center, credit card fees and charges (dated 23 June 2026), Maya credit card eligibility. BSP ceilings: BSP Circular No. 1165, s.2023. How Maya words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: Maya billing rules.
Requirements and how to apply
Income: at least ₱180,000 a year (about ₱15,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: Maya contact and requirements.
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| Maya Black Credit Card Maya | No annual fee if used monthly | 3% | ₱1,212 | ₱180,000 a year |
| BDO JCB Lucky Cat BDO | ₱150 a month | 3% | ₱3,012 | ₱180,000 a year |
| PNB-PAL Mabuhay Miles NOW Mastercard PNB | ₱1,000 a year first year free | 3% | ₱2,212 | ₱120,000 a year |
| PNB Essentials Mastercard PNB | ₱1,200 a year first year free | 3% | ₱2,412 | ₱120,000 a year |