Everything starts with Maya.
You'll be led to create a free account with 1–2 valid IDs. Already have an account? You'll be led to the Maya App
In the Maya app, go to Cards and tap the Maya Black banner. Complete the required details and submit your application in minutes.
Get an instant update on your application status, all in the same session.
Once approved, use your virtual card right away for online purchases. Your physical card arrives within 4-10 working days.
On your desktop?
Scan the QR code to get Maya on your phone in seconds. Maya is a digital bank, so everything happens in the Maya app.
A premium, Visa-powered credit card for everyday spending — applied for, activated, and managed entirely in the Maya app.
1 Maya Mile per ₱40, landing in the app the moment you pay.
Shop, dine, or pay at Maya Black Preferred merchants — look for the badge in-store or browse partners in the app.
Numberless card — your details live only in the app. Freeze anytime and adjust spending limits from your phone.
Pay zero annual fees forever by using Maya Black at least once a month.
You apply once. Maya matches the card to you.
There is one application, in the Maya app, in under five minutes. Maya Bank evaluates it and decides which card you get: the standard Maya Black, or — if you're starting or rebuilding your credit history — an offer for Maya Black Express, backed by a refundable deposit. Same black card, same perks, either way.
| Maya BlackStandard | Maya Black ExpressDeposit-backed | |
|---|---|---|
| Who gets it | Approved on Maya Bank's credit evaluation | Offered when you're building or rebuilding credit history |
| Deposit | None | Express Deposit from ₱12,500 — refundable, and it earns 3.5% p.a. in Maya Savings |
| Credit limit | Set by Maya after evaluation | 80% of your deposit ₱12,500 → ₱10,000 |
| Safety net | — | Miss a payment and the deposit settles your bill after 60 days, protecting your credit score |
| Where it leads | Yours from day one | Pay on time and work toward standard Maya Black — with its own limit — in as little as six months |
| Perks | Identical on both: 1 Maya Mile per ₱40 · up to 10x at Preferred brands · no annual fees for life with monthly use · global airport lounge access · numberless card with in-app controls | |
You don't choose between the two — approval and offers are decided by Maya Bank after credit evaluation. Whichever you receive, every on-time payment builds your credit history.
Explore Maya Bank
No account yet? You'll be guided to download the app and set one up in minutes. Already have an account? The link takes you straight to the app.