Landers Cashback Everywhere
Maya · Visa
Landers Cashback Everywhere
Why pick it: 3% at Landers and 2% on dining
Landers co-brand: 3-5% tiered cashback at Landers, 2% dining, 1% elsewhere, usable only at Landers; doubles as membership card; no annual fee.
- Score
- 36 /100
- Rank
- #43 of 123
- Annual fee
- Free for life
Para lang sa Landers shoppers. Points ang cashback, at sa Landers mo lang magagamit, per the page.
Bottom line: Kung sa Landers ka madalas mamili, bagay itong dagdag na card. Kung hindi, sa Landers Superstore lang magagamit ang points.
Read the full take: the math, what's good, what hurts
Sa typical household (~₱825k a year), ang balik ay ~₱6,500 at ~₱0 sa travel side. Required ang Landers membership, per the page (₱700 a year, galing sa data). Resulta: 36 na score, #43 mula sa 123 cards.
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
- 3% base rate sa Landers. Tapos na noong Sep 29, 2026 ang 4% (₱20,000 spend) at 5% (₱50,000) promo rates, per the page.
- 1% sa lahat ng spend at 2% sa dining, walang minimum, per the page.
What's bad
- Sa Landers Superstore lang magagamit ang points (1 point = ₱1), pang-groceries. Per the page, walang nakalistang cash-out.
- Per the page, hindi nag-e-earn ng points ang cash in, cash advance, fuel, supermarket, pharmacy, utilities, telco at government payments.
- Required ang Landers membership, na nagre-renew yearly at sinisingil sa card.
The catch: Wala sa page kung ano ang earn pagkatapos ng promo period (Sep 29, 2026). Nasa T&C (updated Sep 30, 2026) pa rin ang up to 5% sa Landers spend sa Maya POS terminals, pero puwedeng baguhin ng Maya ang rates nang walang abiso, at kasama sa data ang mga tier na iyon, kaya baka mas mababa ang tunay na return. Wala sa card page ang annual fee, foreign fee at income requirement (₱180,000 a year sa data). Per Maya's help center, waived ang annual fee at 2% ang foreign fee.
Rechecked on the bank page on 2026-10-25. Not on the page: minimum income; points validity (16 months in our data); Premium membership price (₱700 in our data); annual fee and foreign fee on the card page (they are on the help center page); what the card earns after the promo period ends September 29, 2026. 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 ₱6,500 in rewards, before the card's fees (no annual fee)
- To qualify:
- ₱180,000 a year income; Active Landers membership required (Premium ₱700/yr, billed to card) · Requires an upgraded (verified) Maya account
- Bank service:
- Better than typical.
Score breakdown, fees, rewards and perks
Score breakdown
#43 of 123 cards open to new applicants, and #62 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value23 / 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 spend14 / 37
About ₱6,500 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 waivers12 / 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. How the bars work
- Promos and 0% installments3 / 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
Rewards are store credit that works at one merchant. 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 ₱6,500 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
- Active Landers membership required (Premium ₱700/yr, billed to card) · Requires an upgraded (verified) Maya account
Rewards
Cashback points (1 point = ₱1) usable only in-store at Landers, valid 16 months. Landers spend on Maya terminals earns 3% up to ₱20,000 a month, 4% up to ₱50,000 and 5% above that. Other supermarkets, fuel, utilities, telco and installments earn nothing.
Caps: ₱200,000 per year (groceries, tolls & car service, dining, online shopping, foreign online spend, department stores, school fees, airfare, hotels, spending abroad, everything else)
- Type
- Store credit
- Points expiry
- 16
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- No annual fee for life
- Low FX fee (2.00%)
Watch out for
- Rewards capped at ₱200,000 a year
- Rewards are store credit, usable at one merchant
Live and upcoming promos (13)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- MayaEnds Dec 31, 2026Maya Landers Cashback Everywhere
- VisaEnds Mar 31, 2029Register firstAll Visa cards, any bank
- MayaEnds Dec 31, 2026Maya Landers Cashback Everywhere
- VisaEnds Oct 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027All Visa cards, any bank
Show 8 more
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Mar 4, 2027Register firstAll Visa cards, any bank
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027Register firstAll Visa cards, any bank
- 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 Landers Cashback Everywhere
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.