Discover how Maya Black is redefining credit cards in the Philippines with instant access, app-based control, and rewards—no traditional credit history needed.
Credit cards have long been a symbol of financial freedom and convenience, but for many Filipinos, getting one has always felt out of reach. Maya, the leading digital bank and fintech ecosystem in the Philippines, is shaking things up with the launch of the Maya Black Credit Card—a smart, mobile-first credit solution that makes premium credit accessible to more people.
Maya Black is not just another black-tier card. It’s a completely reimagined experience designed for the digital generation. From application to approval, and card usage to support, everything happens inside the Maya app. Once approved, users instantly receive a virtual card they can use right away, with a sleek physical card—completely numberless—delivered soon after. This innovative design makes it more secure, as card details are stored only in the app, where users can freeze or replace their card anytime with just a few taps.
What makes Maya Black truly different is how it decides who gets credit. Traditional banks often rely on lengthy credit histories, which can exclude many people. Maya uses its own AI-driven credit scoring system, powered by the data already available within the app. Even users without a credit history can qualify, either directly or through a secured card pathway that doesn’t require paperwork or reapplying.
Aside from easier access, Maya Black also rewards you for using it. Every transaction earns Maya Miles, which are tracked in real time and can be redeemed within the app. You can convert them into Philippine Airlines Mabuhay Miles, use them as currency at partner merchants, or exchange them for travel perks. New users also get 3,000 bonus miles when they activate their physical card and spend at least ₱5,000 within 60 days.
Frequent travelers will enjoy perks like lounge access at NAIA through DragonPass, making this an ideal card for professionals and lifestyle enthusiasts. And since it’s powered by Visa, Maya Black works in over 130 million merchants worldwide.
The launch comes at a time when more Filipinos are searching for credit card options. According to Google Philippines, credit card-related searches now make up 38% of all financial product searches. However, access remains limited, with only 15% of Filipino adults currently holding a credit card. Maya Black addresses this gap head-on, offering a smarter, faster, and more inclusive way to get credit.
As the Philippines continues its digital shift, Maya is leading the charge by combining fintech innovation with practical, everyday benefits. If you’re looking for a credit card that fits your mobile-first lifestyle and doesn’t lock you out because of outdated requirements, Maya Black could be the breakthrough you’ve been waiting for.
Ready to upgrade your credit experience? Check out the Maya app and discover how you can apply for Maya Black today.
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