Maya Black Credit Card Brings Powerful Features to More Users

Maya is making waves again, this time with the launch of Maya Black, a premium credit card. Aimed at mobile-first consumers, this new card uses Maya’s advanced AI and data-driven credit models, offering a fresh approach to credit access.

This black-tier card is now available right inside the Maya app. Approval is fast, the virtual card is issued instantly, and the sleek physical version is delivered soon after. You can control everything—from spending to support—without ever leaving the app. Maya is flipping the script: a premium card doesn’t have to be limited to just high earners or people with long-standing credit records.

“Credit cards have long symbolized financial freedom and status—but for most Filipinos, they’ve remained out of reach. With Maya Black, we're making the most desirable card in the market—and democratizing access to it,” said Shailesh Baidwan, Maya Group President and Maya Bank Co-Founder.

A Credit Card Made for the Mobile Generation
Unlike traditional credit cards, Maya Black doesn’t rely on just one kind of credit check. It uses Maya’s own transaction data and other alternative sources to determine your creditworthiness. Even if you don’t have a credit history, you can still get started through a secured option—all within the app, with no paperwork and no need to reapply.

Also read Maya and Landers Unveil New Cashback Credit Card

The whole process—from applying to getting approved, to managing your card—is done digitally. As soon as you’re approved, you get a virtual card. Then you’ll receive a physical version, which is numberless for extra security. All your card info is kept safe within the app, where you can also freeze or replace your card at any time.

“We designed Maya Black for a generation that expects instant, mobile-first banking. This isn’t the usual credit card—it’s a re-engineered experience,” said Angelo Madrid, Maya Bank President.

Premium Perks from Day One
Maya Black doesn’t just look and feel premium—it delivers real benefits right from the start:

• Earn Maya Miles on every transaction, tracked in real time. You can use these miles as currency within Maya’s network, convert them into airline miles like Mabuhay Miles, or redeem them for travel rewards—all directly in the app.
• Get 3,000 bonus miles when you activate your physical card and spend ₱5,000 within 60 days.
• Enjoy airport lounge access through DragonPass, including popular lounges like PAGSS and Marhaba at NAIA.
• Use your card at over 130 million merchants worldwide with Visa support.
• Stay secure with numberless cards and real-time card management in-app.

Meeting Demand, Removing Barriers
Interest in credit cards is growing fast in the Philippines. Google Philippines reports that credit cards now account for 38% of financial product search interest. But while more people are curious, many still don’t have access.

According to the Bangko Sentral ng Pilipinas, more than half of Filipino adults find it hard to qualify for a credit card. And even with the number of issued cards rising—from 9.3 million to 11.2 million in one year—only about 15% of adults have one.

Maya Black is stepping in to close this gap. By using AI and a more flexible approval system, it’s opening credit access to younger users—especially Millennials and Gen Z—who want financial tools that match their digital lifestyle. The launch also builds on the success of Maya’s earlier Landers Cashback Credit Card, which has already issued nearly 200,000 cards.

With Maya Black, credit cards in the Philippines are getting a much-needed upgrade—and it’s now easier than ever to join in.