Why Maya Black Express Is the Smartest Way to Start Your Credit Journey

Thinking about getting a credit card but unsure where to begin or worried about being denied?

Maya Black Express makes starting simple. It’s designed for building credit, enjoying rewards, and managing your money without stress. Backed by Maya, the top fintech ecosystem and digital bank in the Philippines, it’s made for people who want flexibility, perks, and financial control, all while forming healthy money habits and a solid credit score.

Here’s why Maya Black Express stands out:

1. Credit Freedom Without the Stress

With Maya Black Express, you get the full benefits of a credit card minus the usual headaches. Once approved, activation is instant through the Maya app, letting you earn Maya Miles on every spend, access airport lounges, and enjoy zero annual fees, all with a spending limit you control.

Monthly bills are simple to manage in the app. And if life throws a curveball and you miss a payment, your Express Deposit covers your balance after 60 days. This protects your credit score and avoids extra fees. Once resolved, your card closes automatically to prevent further charges—simple, transparent, and stress-free.

2. Your Deposit Powers Your Spending

Maya Black Express turns your deposit into both a spending limit and a savings tool. Starting at just ₱12,500, your Express Deposit earns 3.5% interest in your Maya Savings while 80% of it becomes your credit limit. This gives you flexibility without risking your funds, letting you spend wisely while your money grows, something standard debit or credit cards can’t offer.

3. Build Credit and Strong Money Habits

Every purchase you make helps boost your credit score, paving the way for bigger financial opportunities. Within as little as six months, you can transition to the full Maya Black Credit Card. By linking your credit limit to your deposit, it encourages responsible spending while still letting you enjoy premium perks.

4. Fully Digital and Transparent

Everything, from card activation to payments, happens in the Maya app. Track transactions, monitor your credit, and manage your savings in real time. No paperwork, hidden fees, or surprises, just complete control at your fingertips.

5. Designed for the Way You Live

Whether booking trips, paying bills, or treating yourself, Maya Black Express moves with your lifestyle. Make at least one transaction a month, and you avoid inactivity fees, plus, there’s never an annual fee. It’s flexible, low-maintenance, and built around your spending habits.

Maya Black Express bridges the gap between debit and credit. It offers premium perks, full control, and a head start on building your credit and smart money habits.

Start building credit, earning rewards, and enjoying the Black Card lifestyle today by applying for Maya Black Express.

For updates, visit maya.ph or mayabank.ph, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). Deposits are insured by PDIC up to ₱1 million per depositor.