Maya Black Express
Maya · Visa
Maya Black Express
Why pick it: Builds credit while the deposit earns 3.5% a year
Secured Maya Black: ₱12,500+ deposit earning 3.5% a year, 80% credit limit, same Maya Miles earn; review for unsecured card after 6 months.
- Score
- 24 /100
- Status
- Secured
- Annual fee
- Free for life
Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.
Secured card ito: gamit ang sarili mong deposit, nagbu-build ka ng credit record.
Bottom line: Kung na-offer-an ka nito at wala ka pang card, makakatulong ito mag-build ng credit record. Bayaran mo nang buo kada month.
Read the full take: the math, what's good, what hurts
Naka-hold ang Express Deposit mo na ₱12,500 pataas, at 80% lang nito ang limit (₱10,000 sa ₱12,500 deposit). Ang typical household (~₱825k a year) ay nakakakuha ng ~₱2,500 at ~₱0 sa travel value, galing sa data.
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
- Kumikita ng 3.5% interest per year ang deposit mo, credited monthly.
- Pwede kang i-review para sa regular Maya Black card in as early as 6 months, at 100% ng deposit ay ibabalik kapag na-approve.
- Walang annual fee per the page, basta mag-transact ka kahit isang beses kada month.
- 1 Maya Mile per ₱40, at hanggang 10x sa Maya Black Preferred merchants.
What's bad
- Offered only to select Maya Black applicants, kaya hindi mo basta mapipili, at kailangan ng upgraded (verified) Maya account.
- 4 free lounge visits a year, isa kada quarter, at kailangan ng ₱15,000 posted spend bawat visit; may bayad ang guests, per Maya T&C.
The catch: Manipis ang source namin dito, kaya mag-check ka sa bank. The Express page says approval is instant once you make the deposit, pero sa select users lang napupunta ang offer. Hindi binabanggit ng page ang foreign fee at income requirement. Nakumpirma namin na pareho ang lounge rules ng Express at ng Maya Black.
Rechecked on the bank page on 2026-10-28. Not on the page: foreign fee; minimum income. 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; Secured: ₱12,500+ Express Deposit held; limit is 80% of deposit · Offered only to select Maya Black applicants · Requires an upgraded (verified) Maya account (secured)
- Bank service:
- Better than typical.
First year
- Welcome offer:
- 3,000 Maya Miles for ₱5,000 spend within 60 days. (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
- 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% installments1 / 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 8 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
- Secured: ₱12,500+ Express Deposit held; limit is 80% of deposit · Offered only to select Maya Black applicants · Requires an upgraded (verified) Maya account
Rewards
Secured by an Express Deposit of at least ₱12,500 that earns 3.5% a year; your limit is 80% of the deposit. Reviewed for the unsecured Maya Black after about 6 months. Same Maya Miles earn and perks as Maya Black.
- 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 (8)
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
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Mar 4, 2027Register firstAll Visa cards, any bank
Show 3 more
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027Register firstAll Visa cards, any bank
- MayaEnds Dec 31, 2026All Maya credit cards
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.