Maybank credit cards
Maybank offers 5 consumer credit cards, with annual fees from ₱2,000 to ₱3,500, interest of 3% a month.
For card concerns, call Maybank at (02) 8588-3888 or 1-800-10-588-3888 (For activation, limit changes, cancellation and statement disputes. The 1-800 number is toll-free from PLDT landlines).
The cheapest Maybank card to hold and carry a ₱20,000 balance on for 3 months is the Maybank Visa Classic at ₱3,212, 39th of 127 cards open to the public; the lowest income asked is ₱195,000 a year, on the Maybank Visa Classic.
Fees and rates as printed on Maybank's fee table (dated 10 February 2023); contact and application details from Maybank's own site; the interest ceiling is set by the Bangko Sentral ng Pilipinas in BSP Circular No. 1165, s.2023.
BSP supervised: Maybank Philippines, Incorporated, universal and commercial bank, BSP institution ID 19, is on the BSP Verifier list dated Sep 28, 2026.
Maybank credit card hotline and customer service
| Card hotline | (02) 8588-3888 or 1-800-10-588-3888 For activation, limit changes, cancellation and statement disputes. The 1-800 number is toll-free from PLDT landlines.Maybank contact page |
|---|---|
| Lost or stolen card | (02) 8588-3888 or 1-800-10-588-3888 Report a lost or stolen card by phone right away; the same line handles replacements, which may carry a fee.Maybank contact page |
| Calling from abroad | +632 8588-3888 The hotline in international format, for lost or stolen card reports from abroad.Maybank contact page |
| Other channel | Email mpi.customerservice@maybank.com bank page |
| Other channel | Activate your card by texting ACTIVATE CC <last 4 digits> <birthdate DDMMYYYY> <last name> to 22565500 bank page |
Call only the numbers printed on Maybank's own site.
How to apply for a Maybank credit card
- Answer the pre-qualification questions (another card held 10 months or more with a ₱30,000 limit or higher, any Maybank deposit or loan, and your type of work).
- Fill in your personal, employment and card details, including your other credit card numbers.
- Upload a photo of a valid ID and an income document.
- Submit; Maybank sends your application status by SMS.
Where to apply: Apply with the online form and upload photos of your ID and income document; or submit a form at any Maybank branch; or call or email Customer Care and an agent will contact you. bank page
How long it takes: 10 to 15 banking days after complete documents; the card arrives within 10 calendar days of approval in Metro Manila, 15 in the provinces. bank page
Check your Maybank application status
Maybank sends your application status by SMS after you submit. Maybank application status
Maybank credit card requirements
Who can apply
- Resident of the Philippines
- 21 to 65 years old
- Another Philippine-issued credit card with a limit of at least ₱30,000, held more than 10 months
- Gross annual income of ₱195,000 for Classic, ₱420,000 for Gold, ₱650,000 for Platinum
Requirements as the bank lists them
Documents if you are employed
- Copy of an ID (PhilSys, passport, driver's license, PRC, company ID, TIN, SSS, postal, voter's, GSIS, senior citizen or other government ID)
- Latest ITR with a bank or BIR stamp, or BIR Form 2316
- Payslips from the past month
- Original Certificate of Employment
- The number of an active credit card, written on the form
Requirements as the bank lists them
Documents if you are self-employed or a freelancer
- Photocopy of a valid ID
- Latest Audited Financial Statements with a bank or BIR stamp
- Latest ITR with a bank or BIR stamp
- The number of an active credit card, written on the form
Requirements as the bank lists them
The income tax return asked of self-employed applicants is the annual BIR Form 1701. The certificate employees attach is BIR Form 2316, which your employer issues.
Income: each card has its own floor, from ₱195,000 a year on the Maybank Visa Classic. The table below shows every card's.
Maybank secured credit card
Maybank Secured card: If you do not pass the online pre-qualification, Maybank asks you to visit a branch to apply for a secured card. 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 Maybank card to pick
| If | Pick | Why | Watch out |
|---|---|---|---|
| You want the lowest cost | Maybank Visa Classic | Cheapest Maybank card on a ₱20,000 balance paid off in 3 months plus a year of fees: ₱3,212. | Not a first card: you need a card from another bank already. |
| You are applying for your first card | Maybank Visa Classic | Lowest stated income requirement at Maybank: ₱195,000 a year. | Not a first card: you need a card from another bank already. |
| You want a cash back card | Maybank Platinum Mastercard | Lowest yearly fee among Maybank's cash back cards: ₱3,500 a year. | Not a first card: you need a card from another bank already. |
Every Maybank card open to the public carries a yearly fee; these cards from other banks do not.
Every Maybank card compared
| Card | Annual fee | Interest a month | Minimum income | Cash advance fee | Fee waiver | Source |
|---|---|---|---|---|---|---|
| Maybank Visa Infinite Premier clients only | No annual fee | 3% | - | ₱200 | Premier clients only | Maybank credit card fees and charges |
| Maybank Visa Classic | ₱2,000 a year | 3% | ₱195,000 a year | ₱200 | Waived above a yearly spend | Maybank credit card fees and charges |
| Maybank Gold Mastercard | ₱2,500 a year | 3% | ₱420,000 a year | ₱200 | Waived above a yearly spend | Maybank credit card fees and charges |
| Maybank Platinum Mastercard | ₱3,500 a year | 3% | ₱650,000 a year | ₱200 | Waived above a yearly spend | Maybank credit card fees and charges |
| Maybank Manchester United Credit Card | - | 3% | - | ₱200 | - | Maybank credit card fees and charges |
Source: Maybank fees and charges and each card's product page. Networks: Visa, Mastercard. 1 card is limited to a group of clients and left out of the picks above.
How Maybank bills: minimum due, fees and interest
| Late payment fee | Php850 or unpaid minimum amount due, whichever is lower. Maybank credit card fees and charges |
|---|---|
| Foreign transactions | 0.75% of the converted amount using the foreign exchange rate of Visa plus 1% assessment fee of Visa. Maybank Visa Infinite. Maybank credit card fees and charges |
| Foreign transactions | 2% of the converted amount using the foreign exchange rate of Visa/Mastercard plus 1% assessment fee of Visa/Mastercard. Maybank Visa Classic. Maybank credit card fees and charges |
| Foreign transactions | 1.50% of the converted amount using the foreign exchange rate of Visa/Mastercard plus 1% assessment fee of Visa/Mastercard. Maybank Gold Mastercard. Maybank credit card fees and charges |
| Foreign transactions | 0.80% of the converted amount using the foreign exchange rate of Visa/Mastercard plus 1% assessment fee of Visa/Mastercard. Maybank Platinum Mastercard. Maybank credit card fees and charges |
| Annual fee waiver | Maybank Classic, Gold and Manchester United cards: Waived on your card anniversary after 24 uses (online, dip or tap) or ₱24,000 of spend in the year; principal and supplementary spend count, but cash advances, gambling and Ezy transactions do not. bank page |
| Annual fee waiver | Maybank Visa Platinum and Platinum Mastercard: Waived on your card anniversary after 12 uses or ₱60,000 of spend in the year; not for Premier Wealth clients. bank page |
| Annual fee waiver | Maybank Visa Infinite: No annual fee, ever; the card is only for Maybank Premier clients. bank page |
| Fee table date | 10 February 2023. 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 Maybank's rate, use the credit card interest calculator.
Paying your Maybank card, and promos
- M2UPH mobile app
- Maybank2U online banking
- BancNet ATMs and BancNet Online
- BPI Online and BDO Online
- GCash and Maya
- Over the counter at Maybank, BDO and RCBC branches and SM Payment Centers
- Auto-debit from a Maybank deposit account (enrol at a branch)
Promos change every few weeks. See the current ones on Maybank's credit card promos page.
Maybank credit card questions
What is the Maybank credit card hotline?
(02) 8588-3888 or 1-800-10-588-3888 (For activation, limit changes, cancellation and statement disputes. The 1-800 number is toll-free from PLDT landlines). To report a lost or stolen card: (02) 8588-3888 or 1-800-10-588-3888. From abroad: +632 8588-3888. These are the numbers on Maybank's own website.
How do I apply for a Maybank credit card?
1. Answer the pre-qualification questions (another card held 10 months or more with a ₱30,000 limit or higher, any Maybank deposit or loan, and your type of work). 2. Fill in your personal, employment and card details, including your other credit card numbers. 3. Upload a photo of a valid ID and an income document. 4. Submit; Maybank sends your application status by SMS.
How do I check my Maybank credit card application status?
Maybank sends your application status by SMS after you submit.
What are the requirements for a Maybank credit card?
Resident of the Philippines; 21 to 65 years old; Another Philippine-issued credit card with a limit of at least ₱30,000, held more than 10 months; Gross annual income of ₱195,000 for Classic, ₱420,000 for Gold, ₱650,000 for Platinum. Employed applicants submit: Copy of an ID (PhilSys, passport, driver's license, PRC, company ID, TIN, SSS, postal, voter's, GSIS, senior citizen or other government ID); Latest ITR with a bank or BIR stamp, or BIR Form 2316; Payslips from the past month; Original Certificate of Employment; The number of an active credit card, written on the form. The lowest income Maybank states for a card it offers to the public is ₱195,000 a year, on the Maybank Visa Classic.
How much is the Maybank credit card annual fee, and can it be waived?
Annual fees run from ₱2,000 to ₱3,500. Maybank Classic, Gold and Manchester United cards: Waived on your card anniversary after 24 uses (online, dip or tap) or ₱24,000 of spend in the year; principal and supplementary spend count, but cash advances, gambling and Ezy transactions do not. Maybank Visa Platinum and Platinum Mastercard: Waived on your card anniversary after 12 uses or ₱60,000 of spend in the year; not for Premier Wealth clients. Maybank Visa Infinite: No annual fee, ever; the card is only for Maybank Premier clients.
What is the Maybank 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 Maybank credit card bill?
M2UPH mobile app; Maybank2U online banking; BancNet ATMs and BancNet Online; BPI Online and BDO Online; GCash and Maya; Over the counter at Maybank, BDO and RCBC branches and SM Payment Centers; Auto-debit from a Maybank deposit account (enrol at a branch).
What is the best Maybank credit card?
On cost, the Maybank Visa Classic (₱3,212 on a ₱20,000 balance over 3 months plus a year of fees, 39th 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.