If you’re new to credit, you might not yet know the lore surrounding black credit cards. Sometimes dismissed as urban legends, black credit cards were often said to be invite-only exclusives aimed at a very small subset of high-net-worth spenders. These cards were not advertised to a wider audience and featured truly unbelievable perks and credit limits. What’s more, it often took more than just a six-figure salary to qualify for one. You often needed to be referred by another black credit card holder or be vouched for by a high-level bank executive. These were so exclusive that your local bank branch manager probably wasn’t authorized to put you in line for one.
Indeed, for years, the black credit cards were more myth than reality, a whispered-about symbol of status locked behind velvet ropes. The Maya Black Credit Card changes all that, with real benefits you can actually use. Maya Black is a real premium card that gives you simpler access to the much-coveted “black card life” without all the redundant gatekeeping. This top-tier black credit card is backed by Maya’s AI-powered security infrastructure, provides full integration with the Maya app ecosystem, and offers instant Maya Miles earned on every purchase. Whether you’re a high earner who’s just getting started with credit or have already sampled your fair share of credit cards, Maya Black offers real value you can feel and spend.
If you already have a Maya Black card, congratulations. You’re well on your way to living your best life, so far. If you’re new to these premium offers, though, you might still have some questions. Here, we’ll give you some pointers on how best to maximize every benefit your Maya Black card offers.
1. Use Your Card for Everything
As mentioned, Maya Black gives Maya Miles on every purchase, and not just on travel or hotel accommodations, like traditional travel rewards cards. Whether you’re buying groceries, booking flights, or paying for your morning coffee, you can earn valuable points on a wide range of qualified purchases. You can even earn up to 10x the usual miles when you buy at a Maya Black Preferred Merchant, so keep checking in to see where else you can tap your card.
2. Hassle-Free Redemptions
Traditional points systems make redemption a chore, often by design. As far as we’re concerned, that’s not how a premium card should be.
With Maya Black, you will soon be able to use your Maya Miles directly when checking out at your favorite stores. This flexibility means your rewards are always within reach. No waiting periods, no weeks-long series of emails, and full confidence that you’ll enjoy every Maya Mile you earn.
3. Shop Wherever with Full Confidence
Your exclusive card comes with a serious arsenal of cutting-edge security features. In contrast to many traditional black cards, your Maya Black Credit Card is numberless and has an expiring CVV, making it much safer to use at restaurants and other settings where a staff member may have to physically handle your card.
Importantly, Maya Black Credit Cards are also protected by Maya’s AI-driven real-time fraud monitoring system, so you’re immediately notified of any suspicious transactions. Even better, you can toggle foreign transactions, freeze the card, or disable online payments instantly through the Maya App.
4. Take Full Advantage of Tap-to-Pay and Online Shopping
Your Maya Black Credit Card is also fully contactless, making it perfect for quick in-store transactions, both domestically and overseas. From your Maya App, you can also use your virtual card for online purchases, right from the moment you’re approved. This means you can start earning Maya Miles and enjoying exclusive benefits within mere minutes of your approval.
5. Use the Maya App to Monitor Your Points and Card Usage
The Maya App is, by far, one of the best things about choosing Maya for your premium credit card. Unlike with some traditional black cards, you won’t need to log in to different websites or wait on a clogged hotline to make basic updates. With a few taps on your phone, you can do anything from adjusting your security settings to viewing your Maya Miles balance. If you have a Maya Savings account or Maya investments, you can view and manage those from the same app, too. If you want a premium digital-first experience, Maya Black and other Maya credit cards are, by far, your best option.
6. Keep Close Tabs on Maya Black Preferred Merchants
The growing pool of Maya Black Preferred Merchants is where your Maya Black card truly shines. While most purchases will earn you points, you can easily multiply your Maya Miles earnings by 5x to 10x more per peso spent, just by choosing these vendors. Be sure to follow Maya on your socials and to accept all Maya updates so that you have the inside scoop on the latest merchants to join the Maya Black Preferred club.
Ready to Live the Black Card Life?
If you want a fairer way to access legendary perks, Maya Black offers a more inclusive path. Once you’ve downloaded the latest version of the Maya App, all you need to do is complete a simple online application process. Once you’re approved, you’ll get a virtual credit card, with your sleek Maya Black card arriving at your doorstep in 7-10 days.
Depending on your profile, you could be approved for a standard Maya Black Credit Card right away. If you’re just starting to build (or rebuild) your credit history, you may instead be offered Maya Black Express. This version gives you access to all the same perks while helping you establish a stronger credit standing.
Applying for Maya Black Express is simple: just make an Express Deposit of at least PHP 12,500 through the Maya app. Once you’re approved, managing your card is effortless. You can set spending limits, control categories, and pay bills directly within the app. Everything is streamlined, secure, and accessible in just a few taps.
The best part? With consistent, responsible use, your Maya Black Express can be reviewed for an upgrade to the standard Maya Black Credit Card in as little as 6 months. Plus, you earn 3.5% annual interest, and you get to keep your deposit along with the interest it grows.
Apply through the Maya App today to start earning Maya Miles and enjoying the perks you deserve. Explore the rest of Maya’s digital-first banking products and follow Maya to learn and experience more.
