Enjoy instant access to the Maya Black life while you build or rebuild your credit score.
How does it work?
Get the full Maya Black experience
Use your card worldwide. Earn instant miles. Enjoy global airport lounge access and everything else that comes with owning a Maya Black Credit Card.
Set your own credit limit by making an Express Deposit
Make an Express Deposit of ₱20,000 or more and we'll set your credit limit to 80% of that amount. We’ll keep your funds safe while you use your card to build your credit score.
Plus, your deposit earns 3.5% interest p.a. monthly—that's free money on the side!
And just in case you’re unable to pay your credit card bill 60 days after its due date, we'll use your deposit to settle your balance. Should this happen, we'll go ahead and close your card so you can avoid further charges and protect your credit score.
Get 100% of your Express Deposit back
Use your card diligently and pay on time to be evaluated for a new credit limit that doesn't require an Express Deposit in as early as 6 months.
Once you get your new credit limit, you'll get 100% of your Express Deposit back plus the interest you've earned.
Frequently Asked
Questions
You’ve got questions, we’ve got answers
Maya Black Express lets you start enjoying Maya Black and all of its perks even if you're still getting started (or starting over) in building your credit score. This option is offered to select users after they apply for a Maya Black Credit Card.
To complete your Maya Black Express application, you simply need to provide an Express Deposit of at least ₱20,000 or more. 80% of the amount you deposit will be used as the basis for your credit limit.
By using Maya Black Express actively and responsibly, you may be evaluated in as early as 6 months for a standard Maya Black Credit Card that doesn't require an Express Deposit. Once you get approved, you'll get 100% of your Express Deposit back.
An Express Deposit lets you own a Maya Black Express Credit Card by using 80% of the deposit as the basis of your credit limit. Maya Black Express is a great option for you to start enjoying all the perks of owning Maya Black even if you're still getting started (or starting over) in building your credit score.
By using Maya Black Express actively and responsibly, you may be evaluated in as early as 6 months for a standard Maya Black Credit Card that doesn't require an Express Deposit. Once you get approved, you'll get 100% of your Express Deposit back.
An Express Deposit is a great way to start enjoying Maya Black and all of its perks while you're still getting started (or starting over) in building your credit score. This option is offered to select users after they apply for a Maya Black Credit Card.
Once you make an Express Deposit, you'll be given a Maya Black Express Credit Card which comes with all of the features and benefits of a Maya Black Credit Card. 80% of the amount you deposit will be used as the basis for your credit limit.
By using Maya Black Express actively and responsibly, you may be evaluated in as early as 6 months for a standard Maya Black Credit Card that doesn't require an Express Deposit. Once you get approved, you'll get 100% of your Express Deposit back.
When reviewing your credit card application, we use the most up-to-date data from the credit bureau and your transaction history with Maya. There are a few possible reasons why you may have been offered a Maya Black Express, such as having:
- A limited credit history
- A past record of late payments
- Credit card dues or loans higher than your income level
If you believe the evaluation doesn’t reflect your current situation, we’re more than happy to evaluate your application again. Please go to Maya Support Chat on the app for assistance:
- Log in to Maya
- Tap the Help Center icon on the upper right of the screen
- Scroll to the bottom then tap Chat with us
You can ask Maya Support Chat to connect you to a representative or help you file a ticket for your concern. You may also call us at +632 8845 7788 from 8 AM to 7 PM daily.
If you decide not to create an Express Deposit, your credit card application will remain open. At this stage, no Express Deposit account will be made yet.
Should you decide to complete your application, you can continue by following these steps on the Maya app:
- Go to the Savings dashboard
- Scroll to the bottom and select Express Deposit
- Select a fund source for your deposit
- Confirm the deposit
Setting up your Express Deposit is the last step of the application process. Once finished, you will instantly be approved for Maya Black Express.
If you apply for a Maya Black Credit Card and aren’t eligible yet, we may offer you a Maya Black Express as an alternative. This lets you start enjoying Maya Black and all of its perks even if you're still getting started (or starting over) in building your credit score. This option is offered to select users after they apply for a Maya Black Credit Card.
When reviewing your credit card application, we use the most up-to-date data from the credit bureau and your transaction history with Maya. There are a few possible reasons why you may have been offered a Maya Black Express, such as having:
- A limited credit history
- A past record of late payments
- Credit card dues or loans higher than your income level
If you believe the evaluation doesn’t reflect your current situation, we’re more than happy to evaluate your application again. Please go to Maya Support Chat on the app for assistance:
- Log in to Maya
- Tap the Help Center icon on the upper right of the screen
- Scroll to the bottom then tap Chat with us
You can ask Maya Support Chat to connect you to a representative or help you file a ticket for your concern. You may also call us at +632 8845 7788 from 8 AM to 7 PM daily.
Yes! Your Express Deposit earns 3.5% interest p.a., credited monthly. This ensures that your money continues to work hard for you while you use Maya Black Express and build your credit score.
Yes! After finishing your application and setting up your Express Deposit, you will instantly be approved for a Maya Black Express.
Your credit limit is 80% of your Express Deposit. For example, if your Express Deposit is ₱20,000, your credit limit will be at ₱16,000.
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