Maya Black Express Credit Card: fees, interest and requirements
The Maya Black Express Credit Card has no annual fee while you use it.
Maya offers Black Express only to select applicants for Maya Black who do not yet qualify, backed by a deposit of at least ₱12,500 (limit 80% of the deposit), and Maya prints no interest rate for it, so there is little here to compare. The cards anyone can apply for are on the Maya credit cards page.
From Maya's card page. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
Maya's closest card is the Maya Black Credit Card. Against it, this card 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 Express Credit Card gives you
- 1 Maya Mile per ₱40 spent, up to 10x at Maya Black Preferred merchants Maya card page
- Secured card: An Express Deposit of at least ₱12,500 sets your credit limit at 80% of the deposit same page
- The Express Deposit earns 3.5% a year same page
- Can be evaluated for a standard Maya Black card in as early as 6 months, with the deposit returned on approval same page
- International airport lounge access through DragonPass same page
Who should get the Maya Black Express Credit Card
| If | Then |
|---|---|
| Maya has not invited you | You cannot apply for it. The travel and miles card with the lowest yearly fee that anyone can apply for is the PNB-PAL Mabuhay Miles NOW Mastercard. |
Maya Black Express Credit Card annual fee, interest and charges
| Charge | Maya Black Express Credit Card | When, and the rule |
|---|---|---|
| Annual fee | No annual fee | No annual fee with at least 1 transaction a month. Maya card page |
Figures from Maya card page. 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.
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| Maya Black Express Credit Card Maya | No annual fee if used monthly | - | - | - |
| BDO JCB Lucky Cat BDO | ₱150 a month | 3% | ₱3,012 | ₱180,000 a year |
| BDO JCB Gold BDO | ₱200 a month first year free | 3% | ₱3,612 | ₱396,000 a year |
| UnionBank Gold Visa UnionBank | ₱2,500 a year | 3% | ₱3,712 | ₱360,000 a year |