Landers Cashback Everywhere Credit Card: fees, interest and requirements
The Landers Cashback Everywhere Credit Card has no card fee but charges a membership fee to the card, charges 3% a month on unpaid balances and needs a minimum income of ₱180,000 a year.
Verdict: Skip it if you earn under ₱180,000 a year.
From Maya Bank Help Center, credit card fees and charges, dated 23 June 2026. 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 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 Landers Cashback Everywhere Credit Card gives you
- 1% cashback everywhere, 2% on dining and 3% at Landers (base rate), paid as Landers cashback points. 1 point = ₱1 at Landers. Maya card page
- Up to 5% cashback at Landers, 2% on dining and 1% everywhere else, paid as points you spend at Landers Maya page
- The card doubles as your Landers membership card; an active Landers membership is required to apply same page
- Access to Visa Platinum Concierge same page
- Turn any purchase into 3, 6, 9 or 12 monthly payments for as low as 1% a month (Mini Payments) same page
Landers Cashback Everywhere Credit Card downsides, and what a late payment costs
- The card fee is waived, but the Landers membership fee is charged to the card every year.
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.
Landers Cashback Everywhere Credit Card annual fee, interest and charges
| Charge | Landers Cashback Everywhere Credit Card | When, and the rule |
|---|---|---|
| Annual fee | No card fee | The card fee is waived, but the Landers membership fee is charged to the card every year. Fee table: Waived, however, Landers Membership fees are charged annually to maintain membershipMaya fee table, 23 June 2026 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| 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 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.
Apply for the Landers Cashback Everywhere Credit Card on Maya's site
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 |
|---|---|---|---|---|
| Landers Cashback Everywhere Credit Card Maya | No card fee membership fee charged | 3% | - | ₱180,000 a year |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| PNB Cashback Titanium Mastercard PNB | ₱2,500 a year first year free | 3% | ₱3,712 | ₱120,000 a year |
| UnionBank Shell Power Visa Platinum UnionBank | ₱2,800 a year | 3% | ₱4,012 | ₱180,000 a year |