Maya Bank just launched the Maya Black Credit Card — a zero annual fee, app-first credit card built for digital-native users in the Philippines. It offers Visa Platinum perks, no hidden charges, and is tightly integrated with Maya’s wallet and savings features. Ideal for Gen Z and everyday spenders looking for premium-lite benefits without premium costs.
What Makes It Stand Out
- No annual fee — lifetime.
- Built by Maya, the leading digital bank in the Philippines.
- Access to Visa Platinum benefits (concierge, travel offers, purchase protection).
- Fully app-based control and integration with Maya’s wallet + savings tools.
- Minimal eligibility criteria compared to traditional premium cards.
Who’s Behind It
- Maya Bank is the fintech arm of Voyager Innovations (backed by Tencent, KKR).
- Known for bringing banking + payments into one digital ecosystem.
- Maya Black targets Gen Z and digital-first users who want premium feel without premium costs.
Real-World Performance
- Users report fast approval via the Maya app, linked to spending/saving behavior.
- Ideal for those who already use Maya for savings, crypto, and QR payments.
- Combines features of a credit card, wallet, and bank in one unified interface.
- Competes directly with GCash GCredit, SeaBank, and traditional bank cards like BPI Amore.
Things to Watch
- No lounge access or cashback — focus is on essential perks + Visa privileges.
- Approval is behavior-based, not just credit score driven.
- Must be active on the Maya platform to be eligible (via deposits, transactions, etc.).
Final Take
If you’re tired of annual fees and want a slick, app-driven credit card for everyday purchases, Maya Black delivers a premium-lite experience with no strings attached. It’s digital-first banking done right — and built for users who don’t want to jump through hoops.