Enjoy premium advantages and track everything easily from the palm of your hand.

The Maya Black credit card was designed for those who want a modern experience, with practical use and benefits that truly make a difference.

It brings together a premium look, full app based management, and security features that make daily purchases more relaxed and safe.

In addition, the card offers miles rewards and lifestyle focused perks, including benefits linked to travel and selected partners.

Now it is your turn. Discover the Maya Black Credit Card and see how it can elevate your purchases, routine, and travel experiences.

Category	Details
Initial limit	Usually up to 3 times your monthly income
Annual fee	₱0
Interest rate	3% per month

Meet the Maya Black Credit Card: No Annual Fee Visa Platinum, Miles Rewards, and 100% Digital Management

The Maya Black credit card represents a modern solution for those seeking digital convenience, premium benefits, and daily financial control.

It belongs to Maya Bank, a widely recognized digital institution in the Philippines, with millions of active users and a strong technology driven reputation.

In addition, the Maya Black credit card is backed by a regulated, innovative, and reliable company, well established in the local financial system.

With an accessible proposal and smooth digital experience, the card builds trust by offering security, rewards, and simple management for different profiles.

Main benefits of the Maya Black Credit Card

The main benefits of the Maya Black credit card go beyond its premium look, delivering real convenience, rewards, and everyday security.

In this section, you will see how each advantage works in practice and why it makes purchases, travel, and financial organization easier today.

Maya Miles Rewards Program

In the Maya Miles program, every purchase earns points, and the Maya Black credit card turns everyday spending into future redemptions.

Miles appear clearly in the app, allowing you to track balances, plan goals, and avoid surprises when using them.

You earn consistently in daily life, from groceries to subscriptions, without changing habits or overthinking it each month.

When it is time to redeem, the experience tends to be quick because everything is centralized within the Maya app.

Bonus Miles with Maya Black Preferred Partners

With Maya Black Preferred partners, miles earnings can multiply, adding value to purchases you would already make anyway.

The app highlights offers and conditions, helping you choose where to pay and maximize returns with just a few easy taps.

These bonuses act as an extra boost, especially for dining, online shopping, and everyday services that earn more miles.

With simple planning, you can focus spending on these places and see benefits grow without relying on rare promotions.

Airport Lounge Access via DragonPass

For travelers, DragonPass access can add comfort at airports, with lounges that let you wait for flights more calmly.

Having a quiet space helps recharge, work, or eat, reducing stress during long connections along the way.

This benefit is often valued on frequent trips because it turns idle time into something useful and genuinely pleasant.

Before using it, check access rules and available lounges for your route directly in the app.

Visa Platinum Card with Global Acceptance

As a Visa Platinum card, it works easily in physical stores and online, offering wide acceptance across countries and currencies.

This gives freedom to shop on international websites, book hotels, and pay for digital services without limited alternatives.

The Visa brand also supports contactless purchases and fast payments, which helps when you are in a hurry abroad.

With broad acceptance, you focus on travel planning and let payments flow smoothly at every stop.

Numberless Physical Card and Dynamic CVV

The numberless physical card reduces exposure risk because it does not display sensitive data to anyone who sees your wallet.

The dynamic CVV changes periodically in the app, making fraud harder and increasing peace of mind for online purchases.

If something seems unusual, you can block the card in seconds and resume use once you feel safe again.

This protection set is ideal for shared environments, frequent travelers, or anyone who prefers avoiding unnecessary risks.

100% Digital Management Through the Maya App

With fully digital management, you track limits, statements, and spending in real time without paperwork or branch visits.

The app helps organize payments, view due dates, and build routines that prevent late fees and costly interest.

It also becomes easier to review purchases by category, understand habits, and adjust budgets clearly each month.

When questions arise, notifications and transaction details make reviews quick, reducing errors and stress.

Virtual Card for Immediate Use

After approval, the virtual card may become available quickly, allowing online purchases without waiting for physical delivery.

This is great for subscriptions, apps, and timely promotions, saving time and avoiding postal delays.

Since details stay in the app, you check them only when needed and avoid writing sensitive information anywhere unsafe.

For in store purchases, it can integrate with digital wallets, making contactless payments even more practical.

Maya Black Express Option

The Maya Black Express option works with a deposit, ideal for those building credit with more financial predictability.

You choose the deposited amount and receive a proportional limit, helping control spending and learn at a steady pace.

With responsible use, it becomes a bridge to traditional credit, avoiding the feeling of closed doors.

It is a friendly alternative for beginners, keeping the experience and security of the Maya ecosystem.

Premium Travel and Lifestyle Benefits

Travel and lifestyle benefits bring a sense of care, with advantages designed for truly special moments.

When you use the Maya Black credit card, experiences feel complete because the package fits both routine and leisure.

Exclusive partnerships and conditions help enjoy restaurants, shopping, and services, creating small rewards worth repeating.

With planning, you combine comfort, convenience, and benefits in one place, making everyday life lighter and more enjoyable.

Eligibility requirements to apply for the Maya Black Credit Card

To apply for the card, you must meet basic criteria defined by Maya before credit evaluation.

• Age: between 21 and 65 years old at the time of application.
• Residency: must be a resident of the Philippines.
• Maya account: must have an active and fully verified Maya account in the app.
• Income: must show regular monthly income, subject to internal assessment.

Meeting requirements does not guarantee approval, as issuance depends on Maya credit analysis.

Step by step to apply for the Maya Black Credit Card

You can apply for Maya Black directly through the app with a simple and fully digital flow.

• Access the Maya app: go to the cards section and select Maya Black Credit Card.
• Complete your details: confirm identity, personal information, and income as requested.
• Submit and wait for review: check everything, accept terms, and finish the application.
• Activate and start using: once approved, use the virtual card and wait for physical delivery.

By following these steps, you apply quickly and track everything in the app without bureaucracy.

Applicable fees of the Maya Black Credit Card

Before using the Maya Black credit card, it is worth understanding the fees to decide calmly and avoid unexpected costs later.

These charges appear in specific situations like balances, withdrawals, delays, or international purchases, so information becomes savings.

Interest rate

The interest rate is 3% per month on unpaid balances when you carry amounts past the due date.

With the Maya Black credit card, this charge continues monthly until full payment, so paying in full matters.

If you need to carry a balance, use strategy and set a short payoff plan to avoid financial strain.

The app helps by tracking dates, setting reminders, and prioritizing early payments when possible.

Cash advance fee

The cash advance fee is ₱200 per transaction, regardless of the amount withdrawn from an ATM.

In addition to the fee, advances may accrue interest immediately, making the final cost higher than expected.

Use this option only in emergencies and, if possible, make just one withdrawal to avoid multiple charges.

When used, plan quick repayment to reduce interest time and free up your available limit.

Late payment fee

The late payment fee is ₱1,000 or the minimum overdue amount, whichever is lower.

It applies when payment is not credited by the due date, so even small delays may incur charges.

To avoid it, pay a few days early and watch holidays and bank processing schedules.

If it happens, settle promptly and review your next month plan to prevent repetition.

Overlimit fee

The overlimit fee is ₱750 per occurrence when spending exceeds your approved credit limit.

This may happen due to hotel adjustments, tips, or delayed charges that catch you off guard.

Keep buffer room in your limit and monitor notifications, especially during travel or higher spending periods.

If exceeded, make an early payment to normalize quickly and avoid another fee.

Foreign currency conversion

Foreign currency conversion on Maya Black is 2% of the converted amount using the posting rate.

This cost appears on overseas purchases and international websites, even when shopping online at home.

To save, pay in local currency and avoid dynamic conversion offered by merchants.

Keep receipts and check statements, as small differences can appear between purchase and posting dates.

Card replacement

Card replacement costs ₱400 per reissue when you need a new physical card.

It may happen due to loss, theft, or damage, so act quickly and block the old card in the app.

While waiting, use the virtual card for online purchases and subscriptions without interruption.

If replacement is due to specific issues, check support for possible exceptions or guidance.

Inactivity fee

The inactivity fee is ₱50 per month when there are no purchases, withdrawals, or transactions.

This charge starts after six months from approval if the card remains unused.

To avoid it, make a small monthly purchase like a top up, subscription, or daily payment.

That way, you keep the card active, avoid fees, and continue earning rewards effortlessly.

Invalid dispute

An invalid dispute fee of ₱1,000 applies when a claim is found unjustified after review.

With the Maya Black credit card, gather proof, screenshots, and receipts before opening disputes.

Always try resolving with the merchant first, as many cases are settled quickly with direct refunds.

If disputing, explain clearly and submit evidence to avoid extra costs and delays.

Conclusion

With this information, using Maya Black becomes easier and smarter, helping you enjoy benefits while avoiding fees that disrupt monthly planning.

If you pay statements on time and track limits in the app, the card tends to work strongly in your favor.

For international purchases or withdrawals, plan ahead, calculate conversions, and choose alternatives when possible for calmer travel experiences.

Liked it? Want another practical option? Access the article and discover all the benefits of the PNB Ze-Lo Mastercard credit card.