Why Choose the Maya Black Credit Card?
The Maya Black Credit Card is one of the most talked-about financial products in the Philippines today. It combines the prestige of a premium “black card” with the accessibility and convenience of a fully digital experience. Unlike traditional credit cards, the Maya Black offers instant virtual card issuance, a sleek numberless physical design, real-time reward tracking, and lifestyle perks such as airline miles and lounge access.
See also:
Maya Launches Black Credit Card and Black Preferred Rewards in the Philippines
Maya’s big advantage is its inclusive approach. Both first-time cardholders and seasoned credit users can apply directly through the Maya app. With secured and unsecured credit options available, the process opens doors for Filipinos who may not have qualified for traditional credit cards in the past.
If you’re ready to upgrade your financial experience, here’s a straightforward guide on how to apply for the Maya Black Credit Card. The process is designed to be simple and user-friendly, ensuring a stress-free experience.
Step 1: Download and Set Up the Maya App
The first requirement for applying is the Maya app, available on both Android and iOS. If you already have it installed, make sure it’s updated to the latest version.
Once installed, create or log into your Maya account. You’ll need to complete account verification (Know Your Customer or KYC) by uploading a valid government-issued ID and taking a quick selfie for identity verification. This process usually takes just a few minutes and is essential to unlock all of Maya’s banking services.
Remember to enable notifications and email confirmations so you can receive updates on your application status instantly.
Step 2: Ensure You Meet the Eligibility Requirements
Before applying, it’s important to know the basic eligibility criteria:
- You must be at least 21 years old
- You must have a verified Maya account
- You need a valid Philippine government-issued ID
- You should provide a Philippine residential address
- You must have a reliable contact number and email
Unlike traditional banks that often require lengthy income documentation, Maya takes a more digital-first approach. Depending on your profile, you may be approved for either an unsecured line of credit or asked to apply for a secured credit line (using a deposit in your Maya account as collateral).
Step 3: Apply Directly Through the Maya App
Once your account is verified, you can begin your application:
- Open the Maya app and tap on the Credit section.
- Select Apply for Maya Black Credit Card.
- Fill out the application form with your personal details, employment information, and financial background.
- Submit any required supporting documents if prompted.
The beauty of Maya’s digital-first design is that the entire process is completed within the app—no need to visit a bank branch, fill out long paper forms, or submit stacks of requirements.
Step 4: Wait for Instant or Fast Approval
Maya prides itself on fast credit assessment using its integrated fintech ecosystem. Depending on your profile, you may receive:
- Instant approval with a virtual card issued right away.
- Quick assessment within a few hours to a few days if additional checks are needed.
If approved, your virtual Maya Black Credit Card will be available immediately in the app. You can start using it for online purchases or add it to your digital wallet for in-store payments.
Step 5: Activate Your Physical Maya Black Credit Card
Within a few days, you’ll receive your physical Maya Black Credit Card delivered to your address. The card has a numberless design for security, with all details accessible only in the app.
To activate your card:
- Open the Maya app.
- Go to the Credit section and select your Maya Black Credit Card.
- Follow the prompts to activate.
Once activated, you’ll unlock the welcome bonus of 3,000 Maya Miles if you spend at least ₱5,000 within the first 60 days.
Step 6: Start Earning Maya Miles and Enjoy Rewards
Every purchase with the Maya Black Credit Card earns Maya Miles—₱40 spent equals 1 mile. Through the Maya Black Preferred merchant program, you can earn up to 10× miles at over 600 partner locations nationwide.
You can use these miles in several ways:
- Redeem perks at partner merchants
- Convert to Philippine Airlines Mabuhay Miles
- Enjoy travel upgrades and exclusive lifestyle rewards
Travelers also benefit from DragonPass lounge access at NAIA and other airports worldwide. Whether you’re shopping, dining, or traveling, the card ensures your spending goes further.
Step 7: Manage Your Card Securely in the Maya App
Security is one of the strongest selling points of the Maya Black Credit Card. Through the app, you can:
- Freeze or unfreeze your card instantly if lost or stolen
- Request a replacement card within seconds
- View your real-time transactions and rewards balance
- Access your rotating CVV for safer online shopping
This level of control gives cardholders confidence that their financial security is always in their hands.
Common Questions About Applying
1. Do I need a high income to qualify?
No. Maya evaluates users based on their overall profile and app activity, making it more accessible than traditional banks.
2. How long does delivery take?
Physical cards are usually delivered within 5–10 business days after approval.
3. Can first-time cardholders apply?
Yes. Many of Maya’s 230,000+ cardholders since 2024 are first-time credit users.
4. Is there an annual fee?
Maya offers competitive fees, often waived for active users. Check the app for the latest updates.
Final Thoughts
Applying for the Maya Black Credit Card is one of the simplest ways to access premium credit in the Philippines. With its fully app-based process, instant virtual card issuance, lifestyle rewards, and strong security, it sets a new benchmark for what a modern credit card should be.
Unlike traditional banks that make credit feel exclusive, Maya opens the door for more Filipinos to enjoy financial flexibility and rewards. Whether you’re a frequent traveler, a first-time cardholder, or someone looking to maximize daily spending, the Maya Black Credit Card is designed to be inclusive and accessible, making it worth considering for everyone.
By following these steps, you can complete your application in minutes and start enjoying the benefits of living boldly with Maya Black.
