✅ The Maya Black credit card charges no annual fee for cardholders who use it at least once a month
✅ Maya Miles earned instantly on every purchase, with no need to wait for the statement to close
✅ Numberless card: full card details are only visible inside the Maya app, adding an extra layer of security
✅ Instant card freeze and unfreeze through the app if unauthorized use is suspected
✅ Spending limit adjustable anytime, right from your phone
✅ Works with Google Pay for tap-to-pay purchases on Android devices
Why does Utua recommend the Maya Black credit card?
The Maya Black credit card stands out in the Philippine market by combining a rewards program that’s active from your very first purchase with the promise of zero annual fee for cardholders who keep using the card regularly.
Unlike products that only release points once the statement closes, here miles are credited instantly, making it easier to track how close you are to your next redemption or your next trip.
Another standout feature is its approach to digital security: because it’s a numberless card, full card details are only visible inside the app, and the cardholder can freeze the card anytime from their phone, without needing to call a customer service hotline.
This combination of tangible benefits with full control over the card makes it a product worth a closer look for anyone comparing credit card options in the Philippines.
Miles you can put to good use, backed by institutional security
The miles you earn have multiple uses: you can pay for purchases by tapping your card on a Maya Terminal, convert your balance into miles with partner airlines, or redeem rewards directly from the in-app catalog.
Referring the card to friends pays off too, since the referral program credits 1,500 Miles to the referrer and 1,000 Miles to the new cardholder. For those who want even more, there’s also the option to upgrade to the metal Maya Black Preferred card, which multiplies miles earned by up to 10x at partner brands and includes access to airport VIP lounges.
It’s worth noting that this card is issued by Maya Bank, Inc., an institution regulated by the Bangko Sentral ng Pilipinas (BSP), the country’s central bank. Utua, however, does not issue credit cards: our role is to bring together official information to help you make a more informed, confident decision.
Opinion from our editorial team
In our assessment, the product’s biggest strength is removing the annual fee barrier, as long as the cardholder keeps up the habit of using the card every month — a detail worth paying attention to, since inactivity can trigger an inactivity fee after six months without a transaction.
Still, we want to stress that a credit card is a financial organization tool, not extra income: earning miles is only worthwhile if statements are paid in full and on time, avoiding revolving interest that eats into any benefit earned through the rewards program.
It’s also worth not letting the chase for miles drive spending that wasn’t part of your budget — the starting point should always be a genuine need to buy, not the reward it will generate.
Everything you need to know to apply for the Maya Black credit card
If you want to better understand how to apply for Maya Black Credit Card, what documents are required, and how the approval process works, click the button below to see all the details our team has put together.
