First-time cardholders and seasoned users. One of its most notable features is the instant virtual card issuance upon approval, with the physical numberless card arriving shortly after. This digital-first design makes the entire experience faster and more secure.
Cardholders also enjoy Maya Miles rewards on every purchase, tracked in real time via the app. New users can earn a 3,000-mile bonus when they activate the physical card and spend at least ₱5,000 within 60 days. These miles can be redeemed for lifestyle perks, converted into Philippine Airlines Mabuhay Miles, or used at select Maya Black Preferred partner merchants.
Frequent travelers will find added value with global acceptance at over 130 million Visa merchants and lounge access through DragonPass, including NAIA’s PAGSS and Marhaba lounges. For many Filipinos, these perks bring the prestige of “black card” benefits without the usual exclusivity.
Security is also a top priority. With its numberless card design, rotating CVV, and full control through the Maya app, cardholders can freeze, unfreeze, or replace their card instantly. This provides peace of mind in an era where digital security is just as important as financial access. Additionally, the Maya Black Credit Card offers fraud protection and 24/7 customer support to ensure the safety of your transactions.
Introducing Maya Black Preferred Rewards
Alongside the card, Maya also rolled out the Maya Black Preferred program, a rewards ecosystem that directly connects consumers with merchants. Through this program, cardholders can earn up to 10× Maya Miles when shopping at participating businesses nationwide. These miles can be redeemed for a variety of lifestyle perks, including travel, dining, and retail, making the Maya Black Preferred program a valuable addition to the Maya Black Credit Card.
Currently, there are over 600 Maya Black Preferred merchant partners, ranging from lifestyle brands to dining and retail. This rewards structure not only benefits consumers but also helps merchants strengthen customer loyalty and increase spending. It creates a mutually beneficial cycle where both sides gain from the partnership.
Maya is also leveraging its merchant tools, such as Maya Checkout, Maya POS, and Maya Business Manager to gather insights that will eventually shape tailored credit solutions for MSMEs. This approach highlights Maya’s broader strategy of building an interconnected ecosystem where businesses and consumers thrive together.
By offering a rewards program that extends beyond simple cashback or points, Maya is tapping into the lifestyle aspirations of Filipinos. The Black Preferred program transforms everyday spending into long-term benefits, making it more than just a financial tool—it becomes part of one’s lifestyle.
Bridging the Credit Gap in the Philippines
Access to credit remains a challenge in the country. According to the Bangko Sentral ng Pilipinas, more than half of Filipino adults have difficulty securing a credit card, and as of 2023, only about 15% actually owned one. This leaves millions of Filipinos underserved by traditional banking systems.
Maya aims to close this gap with a data-driven, inclusive approach. By integrating its banking and payments platforms, Maya can conduct real-time credit assessments and offer personalized credit lines even for first-time applicants. This is a significant step toward financial inclusion in a country where many still rely heavily on cash.
The Maya Black Credit Card and Maya Black Preferred program don’t just provide access to credit—they also redefine how Filipinos view and use it. By attaching rewards, travel perks, and lifestyle benefits, Maya ensures that credit is no longer just about borrowing, but about enhancing everyday living.
With over 230,000 cards issued since 2024 across its credit offerings, Maya has already proven there is demand for accessible financial solutions. The launch of the Black Credit Card only cements its position as a leader in digital banking and payments in the Philippines.
Final Thoughts
The launch of the Maya Black Credit Card and Maya Black Preferred rewards program is a game-changer for Filipino consumers. It makes premium credit accessible, simplifies the application process, and introduces a rewards ecosystem that adds real lifestyle value.
For travelers, the global acceptance, airline miles, and lounge access make the card a powerful companion. For everyday spenders, real-time miles and up to 10× rewards at partner merchants turn ordinary purchases into meaningful perks. For merchants, it creates loyalty and growth opportunities.
Ultimately, Maya isn’t just offering another financial product—it’s reshaping how Filipinos experience credit. By bridging gaps, removing barriers, and adding lifestyle-driven benefits, Maya is setting a new standard for digital-first banking in the country.
As more Filipinos seek smarter, more rewarding ways to manage their money, the Maya Black Credit Card is poised to become not just a choice—but the choice.
