Maya Black
Maya · Visa
Maya Black
Why pick it: No annual fee and 1 Maya Mile per ₱40
No-annual-fee miles card: 1 Maya Mile per ₱40, up to 10x at preferred brands, DragonPass visits with ₱15k monthly spend, 2% FX.
- Score
- 25 /100
- Rank
- #73 of 123
- Annual fee
- Free for life
Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.
No annual fee at 4 free lounge visits a year, pero kailangan mong gumastos ng ₱15,000 a month para magamit ang lounge.
Bottom line: Gumagastos ka ba ng ₱15,000 a month sa isang card at gusto mo ng lounge kapag bumibiyahe? Pwede ito, at libre pa. Kung rewards lang ang habol mo, i-compare mo muna sa ibang no-fee cards.
Read the full take: the math, what's good, what hurts
Walang annual fee, per the page. Sa typical household (~₱825k a year), ~₱2,500 ang kita at ~₱0 naman ang travel side, pero assumption lang namin ang value ng Maya Mile kasi hindi ito stated sa page. Sa open list, #73 ito mula sa 123; 25 ang score.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- No annual fee, "forever" per the page.
- 1 Maya Mile per ₱40, ayon sa Maya Black Express page, at hanggang 10x sa Maya Black Preferred brands.
- 4 free lounge visits a year via DragonPass, isa kada quarter, per T&C section 7.
- Mababa ang foreign fee (2.00%), galing sa data.
What's bad
- Per the T&C, kailangan ng ₱15,000 na posted spend para sa bawat lounge pass: sa 30 days bago ang first visit, tapos sa bawat isa sa 3 months bago ang susunod.
- Per the T&C, ikaw lang ang free sa lounge; may bayad kada tao kada visit ang guests.
- Hindi sinasabi ng page na pwede mong ilipat ang miles sa airline.
The catch: Wala sa page ang foreign fee o ang income requirement, at may features na darating "in a future update". Manipis ang source namin dito, kaya i-confirm sa bank bago mag-apply.
Rechecked on the bank page on 2026-10-28. Not on the page: foreign fee; minimum income; value of a Maya Mile; airline transfer partners; criteria for the higher earn tiers (in our data). Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱2,500 in rewards, before the card's fees (no annual fee)
- To qualify:
- ₱180,000 a year income; Requires an upgraded (verified) Maya account
- Bank service:
- Better than typical.
First year
- Welcome offer:
- Referral: applicant using a cardholder's referral code gets 1,000 Maya Miles on approval. (no end date stated)
Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.
Score breakdown, fees, rewards and perks
Score breakdown
#73 of 123 cards open to new applicants, and #103 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value13 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend6 / 37
About ₱2,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers16 / 16
No annual fee. How the bars work
- Travel and perks on the default spend2 / 10
Under ₱250 of travel value on one trip abroad a year, after the 2.00% foreign fee. It includes lounge visits (each person in a household of three who gets in counts). How the bars work
- Promos and 0% installments2 / 15
0% installment network: weak. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 13 live promos tracked. How it is scored
- Points flexibility3 / 10
Bank points with no airline partner that expire. It counts for less here because the card earns little back on this spend. How it is scored
- Credit limit and upgrade path3 / 5
No standard card level. The score also reflects how Maya Bank handles credit limit increases and card upgrades. How it is scored
- App and service4 / 5
Banking app: strong. Service: better than typical. How it is scored
- Late fee1 / 2
A late fee of ₱1,000 for one missed payment, or the unpaid minimum due if that is lower. How it is scored
On the default spend: about ₱2,500 a year in rewards and ₱0 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- Free for life
- Supplementary fee
- ₱0
- Fee waiver
- No annual fee
- Foreign transaction fee
- 2.00%
- Minimum income
- ₱180,000 a year
- Also needs
- Requires an upgraded (verified) Maya account
Rewards
1 Maya Mile per ₱40 at the first tier (the T&C also lists 1 per ₱30 and 1 per ₱20 for higher tiers), and up to 10x at Maya Black Preferred merchants.
- Type
- Miles
- Points expiry
- 24
Travel perks
- International lounge visits
- 4 a year
- Local lounge
- None
- Travel insurance
- None
Strengths
- No annual fee for life
- Low FX fee (2.00%)
- 4 free international lounge visits a year
Watch out for
- Some details could not be verified
Live and upcoming promos (13)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- VisaEnds Mar 31, 2029Register firstAll Visa cards, any bank
- VisaEnds Oct 31, 2027All Visa cards, any bank
- MayaEnds Dec 31, 2026Maya Maya Black
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027All Visa cards, any bank
Show 8 more
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- VisaEnds Dec 31, 2027All Visa cards, any bank
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- MayaEnds Dec 31, 2026All Maya credit cards
- MayaEnds Dec 31, 2026Maya Maya Black, Landers Cashback Everywhere
- MayaEnds Dec 31, 2026Maya Maya Black, Landers Cashback Everywhere
- MayaEnds Dec 31, 2026Maya Maya Black
- MayaEnds Dec 20, 2026Maya Maya Black
What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.