Applying for a credit card can be frustrating—especially when you get rejected before even starting your dream trip. Not to mention, being left out on those points and perks.

This is a common problem for many Filipinos. You need credit history to get a credit card, but you need a credit card to build credit history. So, how do you break that loop? Simple. Apply for a Maya Black Express credit card.

Fast track without the gatekeeping

Maya is one of the country’s leading fintech ecosystems and digital banks and they have introduced the Maya Black Express credit card that removes the traditional barriers in applying for a credit card. It’s designed for people who may not qualify for a standard credit card yet but want to start enjoying the benefits now.

It offers instant approval with no gatekeeping. You can apply and activate directly in the Maya app without paperwork or long waiting periods. The process is entirely digital. Once approved, your physical card arrives in 4 working days for Metro Manila or up to 10 working days for other areas. You can start using your card details for online payments immediately after approval.

Here’s how it works: make an Express Deposit starting at P12,500. Eighty percent of that deposit becomes your credit limit immediately, while the full amount earns 3.5% interest per year in your Maya Savings account. Just deposit a bigger amount if you need a bigger credit limit.

The protection mechanism is straightforward: if you miss a payment, your Express Deposit automatically settles your bill after 60 days, protecting your credit score from damage. You’re essentially using your own money as security while building the payment history needed for a standard credit card.

With consistent good payment behavior, you can work your way toward unlocking the full Maya Black Credit Card with its own credit limit in as little as six months. Yup, just six months.

Premium features from day one

What I like the most about Maya Black is that it doesn’t treat Express holders as second-tier customers. Whether you have Express or the standard card, you get the same premium perks:

Miles that earn instantly: Every P40 spent earns 1 Maya Mile, tracked in real-time on the app. No waiting for monthly statements. Spend P5,000 within your first 60 days and receive 3,000 bonus miles to jumpstart your rewards.

Multiple ways to use your miles: Soon, you’ll be able to convert Maya Miles to Philippine Airlines’ Mabuhay Miles, redeem travel rewards, or use them like cash at Maya POS terminals. Features are rolling out progressively in the app.

Accepted everywhere: The card is Visa-powered and works at over 130 million locations worldwide.

Seriously secure: The card is numberless, so your details are only visible in the Maya app. You can freeze and unfreeze your card with a tap and adjust spending limits directly from your phone.

No annual fees: Pay zero annual fees forever by simply using Maya Black at least once a month. There are no monthly inactivity fees for the first six months.

Bonus miles at partner merchants: Earn up to 10x Maya Miles when you shop, dine, or pay at Maya Black Preferred brands. Just look for the badge in-store or check the app for participating merchants.

A real credit card with simple mechanics

I made plenty of credit card applications in the past and I can personally say that my application for the Maya Black Express credit card has been the most convenient and quickest. And the simple mechanics have practical benefits for a wide-range of consumers.

Young professionals or students transitioning into the workforce can already start building their credit history early and enjoy the perks usually found in cards with high membership fees. Those who have been turned down by traditional banks now have a straightforward path to prove their creditworthiness.

And for those rebuilding credit after a financial rough patch, the Express Deposit model provides a safety net that traditional cards don’t offer.

Apply now!

For Filipinos who’ve been shut out of the premium credit card market, here’s your new starting point that helps you rebuild your credit, while at the same time enjoy all the perks Maya Black has to offer. The application takes under five minutes within the Maya app with more features rolling out soon, which includes full travel rewards catalog, airline mile conversions, and additional travel partnerships.

Start your Maya Black journey today and experience the freedom of credit that finally says yes.

For more information, visit https://www.mayabank.ph/creditcard/mayablack/