0% Mini Payments at MerryMart, MetroMart, and Pickaroo with your Maya Credit Card  

1. Pay with your Maya credit card and convert your eligible purchases into a 3-month Mini Payment plan in the Maya app. 
2. Enjoy 0% interest by converting your Maya credit card purchases with qualified merchants into a 3-month Mini Payment plan! 
3. All eligible users will have their corresponding interest amount credited back to them monthly.  
   1. Single receipt spend amounting to at least ₱3k at MerryMart or at least ₱10k at MetroMart or Pickaroo posted and converted to Mini Payments until December 31, 2026. 
   2. Only purchases from MetroMart, MerryMart, and Pickaroo are eligible for the promo. 
4. Maya will do a monthly interest reversal for the 0% interest promo which will reflect in the cardholder's transaction history within the first week of the following month of the posted Mini Payment plan and in the applicable billing statement as “Finance Charge Adjustment”. 
   
5. Earn Maya Miles with your Maya Black Credit Card. Earn 1% Cashback Points with your Landers Cashback Everywhere Card. 
6. No forms, no calls needed — track all your Mini Payment plans in the Maya app! 

1. Promo Period: November 1, 2026 to December 31, 2026. 
2. The promo is open to all active and in good credit standing Maya Credit Cardholders. 
3. Eligibility is determined based on Maya's internal criteria. An active card is defined as a card ready for use, that is not closed, suspended, restricted, or cancelled, and with all amounts due paid on or before the due date. In good credit standing means accounts that are not delinquent, not under investigation for fraud, not reported lost or stolen, and in compliance with the Maya Credit Cards Terms and Conditions. 
4. No registration needed – just activate your Maya physical credit card and start spending with qualified merchants! 

1. Promo period is from November 1, 2026 to December 31, 2026. 
2. Cardholder must do straight charge single receipt transaction purchases with any of the qualified merchants amounting to at least ₱3k at MerryMart or at least ₱10k at MetroMart or Pickaroo per transaction. 
3. Cardholder must apply for Mini Payments via Maya app after the qualified transaction is posted on the transaction history. 
4. Cardholder must convert qualified transaction amount of at least ₱3k at MerryMart or at least ₱10k at MetroMart or Pickaroo to 3 months installment. Only 3-month installments are qualified for interest reversal. 
5. The 0% interest can be availed by way of interest reversal, which Maya will reflect in the cardholder’s account  
   1. The monthly Mini Payment amortization must be posted already – the first amortization is posted in the account, one month after conversion of transaction to Mini Payments. The rest of the installments will follow the same schedule in the succeeding 2 months. All 3 installments will still include their corresponding interest. 
   2. Maya will perform the interest reversal for the corresponding installment within the first week of the following month 
      Sample illustration of interest reversal posting.
      
6. This promo is subject to the General Terms and Conditions of the Maya Credit Card Mini Payments 
7. Cardholder will see the interest reversal in the transaction history and the applicable billing statement as ‘Finance Charge Adjustment’ 
8. If Mini Payments is availed together with transactions from non-qualified merchants, only the interest corresponding to the qualified transaction will be subject to interest reversal.  
   1. Transactions that are not qualified for this promo are those: 
      1. Less than ₱3k single receipt straight charge transaction made with MerryMart or ₱10k with MetroMart or Pickaroo 
      2. More than 3 months for the chosen Mini Payments tenor 
      3. Transactions made with non-qualified merchants 
      4. Transactions made outside of the promo period 
      5. Mini Payment plans created outside of the promo period 
      6. Past due card or suspended accounts at the time the amortization is posted and the interest reversal is due for processing 
         1. Interest reversal will only be processed for the corresponding amortization each month 
         2. No retroactive interest reversal will be done during subsequent months for uncredited interest reversal in case of breach of any stipulation in the Eligibility and Terms and Conditions. 

1. Maya reserves the right to clawback interest reversal and/or not credit succeeding reversals if cardholders become past due and does not pay succeeding amortizations. 
2. Maya accountholders who are blacklisted due to a violation of a Maya promo, or who has violated or is subsequently found to be in violation of any of the terms and conditions of Maya are not qualified to participate in this promo.  
3. Failure to comply with the terms and conditions will result in the forfeiture of the prize, subject to prior approval by DTI-FTEB.  
4. In case of disputes regarding customer's eligibility for the promo, coverage of dates, fulfillment, Maya's decision shall prevail, in concurrence with DTI. 
5. Transactions are not considered to be qualified in the event that a credit card payment is cancelled, declined, refunded, reversed or voided. 
6. This promo is applicable to unique and valid Maya credit cardholders only. Maya reserves the right to withdraw or claw back rewards if one person has already received the benefit, even if already issued.  
7. Maya reserves the right to withhold granting of rewards where there are proven customer activities that require further investigation. 
8. Those who are proven to be abusing the Maya system are also not qualified to participate in the promo or receive rewards. 
9. If a reward or benefit has already been awarded and a violation or proven fraudulent activity is discovered after being awarded, Maya reserves the right to claw back the prize or reward.  
10. The customer must notify Maya for any complaints regarding the promo. The decision of Maya on the complaint with concurrence of DTI-FTEB shall be considered final. For clarifications and complaints relative to this promo, visit our Help Center. Go to your Profile on the Maya app and select 'Get help’.  
11. For inquiries and feedback, you may go to https://www.maya.ph/contact-us 
12. Maya Bank, Inc. is regulated by the Bangko Sentral ng Pilipinas. www.bsp.gov.ph.  
13. For concerns or complaints, users may contact Maya Customer Support via the Maya App. Unresolved issues may be escalated to the Bangko Sentral ng Pilipinas (BSP) through the BSP Consumer Assistance Mechanism (CAM) at consumeraffairs@bsp.gov.ph. 

This promotion is covered by DTI Fair Trade Permit No. FTEB-270841 Series of 2026.