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Illustration, not the bank's artwork.

Maybank · Mastercard or Visa · Classic

Standard MC or Visa Classic

Why pick it: Low ₱195k income requirement, 0% up to 24 months

Entry Mastercard: 1 TreatsPoint per ₱25 (11,000 points = 1,000 Asia Miles), annual fee auto-waived with 24 uses or ₱24k yearly spend.

Score
20 /100
Rank
#97 of 123
Annual fee
₱2,000
Borderline C/D
SKIP ITHonest take

Mababa ang income bar, pero maliit ang return at hindi ito bagay gamitin abroad.

Bottom line: Skip: kailangan mo muna ng ibang card, at maliit ang rewards dito.

Read the full take: the math, what's good, what hurts

Para sa full spend ng typical household (~₱825k a year), balik na ~₱1,500 sa buong taon ang makukuha, at ang travel side ay ~-₱1,500 kasi may foreign fee. Annual fee: ₱2,000, kinuha sa Classic row ng fees page; ₱1,000 each ang supplementary cards sa parehong row. Auto-waived ang fee sa ₱24,000 na spend kada taon, galing sa data. Sa open list, #97 ito mula sa 123; 20 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

  • Income requirement: ₱195,000 a year, per the page FAQ.
  • May 0% installment hanggang 24 months sa select partners.
  • Walang expiry ang reward points, ayon sa FAQ.

What's bad

  • 1 TreatsPoint per ₱25 lang ang earn, kaya maliit ang return.
  • Ayon sa data ang 3.00% na foreign fee; hindi ito nakalista para sa Standard sa page.
  • Hindi ito pang-first card: kailangan mo ng ibang local credit card na may ₱30,000 limit, issued more than 10 months ago.

The catch: Standard is not listed on Maybank's fees page, so we took the fee from the Classic row. The page's auto-waiver rule doesn't name Standard either, kaya baka hindi ito waivable. Effective February 10, 2023 pa ang fees page, kaya mag-check ka sa bank. Mastercard ang na-score dito.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee for Standard (fees page lists Classic only); foreign fee for Standard; lounge access; travel insurance. 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 ₱0 in rewards (₱1,500) and travel value (−₱1,500), before the ₱2,000 annual fee (waived automatically at ₱24,000 yearly spend)
To qualify:
₱195,000 a year income; Must hold another local card 10+ months with ₱30k+ limit
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

#97 of 123 cards open to new applicants, and #135 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value6 / 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 spend4 / 37

      About ₱1,500 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

      The ₱2,000 fee is waived automatically at ₱24,000 of yearly spend, which the typical household reaches. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱1,500 of travel value on one trip abroad a year, after the 3.00% foreign fee. How the bars work

  • Promos and 0% installments5 / 15

    0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 27 live promos tracked. How it is scored

  • Points flexibility4 / 10

    4 airline partners, and points that do not expire. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path2 / 5

    Classic card level, plus how Maybank handles credit limit increases and card upgrades. How it is scored

  • App and service3 / 5

    Banking app: average. Service: about typical. How it is scored

  • Late fee1 / 2

    A late fee of ₱850 for one missed payment, or the unpaid minimum due if that is lower. How it is scored

On the default spend: about ₱1,500 a year in rewards and −₱1,500 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod43 COct 2443 COct 2620 DOct 2721 DNov 221 DNov 421 DNov 921 DNov 1020 DNov 11
  • 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
₱2,000
Supplementary fee
₱1,000
Fee waiver
Waived automatically at ₱24,000 yearly spend
Foreign transaction fee
3.00%
Minimum income
₱195,000 a year
Also needs
Must hold another local card 10+ months with ₱30k+ limit

Rewards

1 TreatsPoint per ₱25.

Type
Points
Points expiry
none
Airline partners
Asia Miles, KrisFlyer, PAL Mabuhay Miles, AirAsia

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Fee auto-waived at ₱24,000 yearly spend
  • Points don't expire; 4 airline partners

Watch out for

  • High FX fee (3.00%): avoid using it abroad

Live and upcoming promos (34)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 29 more

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.

Official Maybank card page ↗