Curious about credit cards? Here’s why Maya Black Express is the best way to get started

If you want to get a credit card but aren’t sure how to get started or continue to face declines, Maya Black Express offers a hassle-free solution. Its simple application process allows you to quickly start building credit, access exclusive perks, and control your spending without the complexity and stress of traditional credit cards. As part of Maya – the No. 1 digital bank and fintech ecosystem in the Philippines – this card caters to the experience-driven generation. It gives you easy access, valuable rewards, and tools to develop better financial habits and a strong credit score, all while ensuring complete transparency and easy-to-use features.

This is why Maya Black Express is your best choice:

1. It gives you credit freedom, without the stress

Maya Black Express offers the reassurance and flexibility of a credit card without the stress of managing debt. Once you’re eligible, you can activate your card within the Maya app and immediately start enjoying benefits like instant Maya Miles rewards on every transaction, free airport lounge access, and no annual fees. Most importantly, you control your spending limit, allowing you to tailor your financial experience to your needs.

Each month you’ll receive a detailed statement showing your purchases, and you can easily pay this bill through the Maya app. Maya Black Express goes above and beyond to protect your financial situation: if you miss payments, there’s no need to worry. After 60 days of nonpayment, the Express Deposit you set up automatically covers your outstanding balance, maintaining your credit score and protecting you from late fees. Your card account will then be closed to prevent future charges, creating a straightforward and transparent way to manage your credit usage and obligations.

2. Your deposit becomes your spending power

Maya Black Express offers a unique experience compared to debit and credit cards. When you open an account, you can set your spending limit with your Express Deposit, starting from just P12,500. Unlike standard deposits which remain dormant, your Express Deposit remains in your Maya Savings Account and earns 3.5% annual interest, maximizing your savings potential.

An important advantage is security combined with flexibility: 80% of your deposit is transferred to a credit line on your Maya Black Express Card. For example, a P20,000 deposit will allow you to spend up to P16,000 with your card while the full amount continues to earn interest in your savings account. Not only does this setup secure your money, it also makes it work for you, combining the rewarding aspects of both saving and spending. It’s a feature that credit and debit cards can’t offer, because they don’t allow your spending limit to be increased through interest earned.

3. Helps you build credit and better financial habits

Every purchase you make with your Maya Black device not only earns you rewards but also helps build your credit file. When you use your card responsibly — by making regular purchases and making timely payments — your activity is reported to the credit bureaus, which can increase your credit score over time. As your credit score improves, you can unlock greater financial opportunities, such as qualifying for higher credit limits, more favorable loan terms, and even eligibility for the full Maya Black Credit Card in as quickly as six months.

Additionally, your initial deposit acts as your credit limit, giving you a secure way to manage your spending. By linking your spending limit to the amount deposited, you are encouraged to develop healthy financial habits, such as spending only what you can afford. This structure not only helps you stay within your means, but also allows you to enjoy a variety of premium perks and benefits that are exclusive to Maya Black cardholders.

4. It’s completely digital and completely transparent

Everything from account activation to making payments is managed seamlessly within the Maya app. You can easily track all your transaction records, monitor your credit status and outstanding balances, and manage your savings accounts with up-to-the-minute updates. The app eliminates the need for any cumbersome paperwork or manual processes. There are no hidden fees or confusing details – just complete transparency, full visibility into your financial activities, and full control of your accounts at any time.

5. It’s designed specifically for the lifestyle you already live

This credit card is designed with your lifestyle in mind, whether you’re booking trips, paying bills, shopping online, or indulging in small luxuries. To avoid inactivity fees, you only need to make at least one transaction each month. Rest assured, you’ll never pay an annual fee, making this a truly hassle-free option. Its flexibility and low-maintenance nature ensures that it fits seamlessly into your daily spending habits.

Maya Black Express offers the best debit and credit cards, offering premium perks like exclusive rewards, cashback opportunities, and strong security. Enjoy the added benefit of managing your account with an easy-to-use app, setting custom spending limits, and tracking expenses in real time. Responsible use of this card helps build your credit score and supports healthy financial habits. If you’re ready to level up your finances and take advantage of the exclusive benefits of the Black Card lifestyle, apply for Maya Black today.

Stay informed by visitingmaya.phormayabank.phand follow@mayaiseverythingOn Facebook, Instagram, YouTube, and TikTok. Maya Philippines, Inc. is governed by: and Maya Bank, Inc. Regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). Deposits are insured by PDIC up to one million pesos per depositor.

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It reads: Discover the best of Asia with Maya Card