You may have thought that they were urban legends, but they are, in fact, real. There are indeed black, ultra-premium, invitation-only credit cards that not only have astonishingly high limits but also exclusive perks that are for the chosen few.
By design, most of these cards are well out of reach, even for many high earners. You’d need to be in the very top tier of earners or have a decades-long credit history to even be considered for an invitation. It’s no wonder, then, that you will only ever see them in the wallets of the most elite world travelers and VIPs, if you even manage to see them in the first place.
This is why the Maya Black Credit Card is such a game-changer. It offers the prestige and perks of a high-end black credit card, without the traditional barriers. Whether you’re new to credit cards or have a wallet that’s bursting with them, Maya Black gives you access to benefits you’ll actually use, as well as a top-tier digital-first experience, possibly making it the only credit card you’ll ever need.
How to Apply for a Maya Black Credit Card
You won’t need to line up at a bank or fill out mountains of paperwork. The Maya Black application process is quick, simple, and fully digital.
Step 1: Open Your Updated Maya App
Make sure you have the upgraded Maya App installed on your phone. If you don’t have it yet, download it from the App Store or Google Play and sign up for an account.
Step 2: Apply for Maya Black
On your upgraded Maya App, tap the Maya Black banner, which you can find under the Cards tab, and follow the prompts to apply. You’ll need to enter your details, choose your cardholder name, and choose a monthly cutoff for your payments. If you’re approved, you’ll instantly receive a virtual version of your card that you can start using right away.
Step 3: Make a Security Deposit
If you're just starting out or rebuilding your credit score, you may be offered a Maya Black Express Credit Card instead of a regular Maya Black Credit Card. If this is the case, all you’ll need to do is complete an Express Deposit of at least PHP 12,500; your credit limit will then be equivalent to 80% of your deposit.
Step 4: Wait for Your Physical Card
Your physical Maya Black credit card will arrive in 7 to 10 business days. It will come without any identification or CVV numbers, giving your card an added layer of security as well as a sophisticated look. It’s also a tap card, which means no more swiping.
Step 5: Start Using and Earning Maya Miles
Activate your card in the Maya App and start earning Maya Miles from day one. Your card will be accepted at millions of stores and can earn up to 10x more Maya Miles when you use your card at Maya Black Preferred merchants.
Why Maya Black Should Be Your Primary Credit Card
Applying for Maya Black is easy, but choosing it as your main credit card is even easier. Here are some of the perks you’ll enjoy with your Maya Black credit card:
1. You’ll Earn Miles Everywhere
You’ll instantly rake in Maya Miles on all your travel, shopping, and dining purchases. This means no more juggling different cards to earn rewards on different kinds of spending. You’ll even get up to 10x more Maya Miles when you spend at a Maya Black Preferred merchant.
2. Travel and Lifestyle Benefits You’ll Actually Enjoy
Maya Black fits neatly into everyday living while also giving you access to the exclusive rewards typically reserved for elite spenders. Where other black cards only reward flights and accommodations, Maya Black offers Maya Miles on those expenses and sweetens the deal by also rewarding your shopping and dining.
Redemption is also as simple as it gets. Soon, you’ll be able to pay with your points upon checkout, in-store via Maya POS systems, and over the web. No complicated steps are needed to enjoy the rewards you’ve already earned.
3. Credible Security That You Can Control
Maya Black delivers the kinds of security you expect from an exclusive card. You get a numberless physical card, a dynamic CVV that resets every 24 hours, and real-time AI-powered fraud monitoring. On the Maya App, you can also freeze your card, toggle foreign transactions, and even turn off cash advances to further limit potential fraud and misuse.
4. Enjoy Full Control and Convenience with the Maya App
Your entire credit card experience can be managed directly through the Maya app. Everything, including spending, tracking, security, payments, and rewards can be managed with just a few taps. No need to fill out any forms or explain things to a bank officer simply to use your own card.
5. No Annual Fees…for Life
The Maya Black Credit Card offers no annual fees, period. Just use your card once a month, and you can forget worrying about a hefty annual fee hanging over your head each year.
6. It’s the Philippines’ Most Accessible Black Card
Whether you're just building your credit history or want to enjoy the finer things in life, Maya Black is designed to help you succeed. All you need is the Maya App and a security deposit, with no invitations necessary.
Premium Perks without the Gatekeeping
More than just a spending tool, the Maya Black credit card offers a real lifestyle upgrade that’s actually within your reach. Whether you're doing your groceries or taking your whole family on overseas adventures, Maya Black turns all your transactions into ways to earn and enjoy more.
Download the Maya App today to apply for Maya Black or other Maya credit cards. Follow Maya on social for the latest updates, exclusive offers, and personal finance tips.
