Finance

Maya Black Credit Card officially launches

Aims to democratize premium credit access in PH

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Maya Black

FinTech and digital bank company Maya is shaking things up once again with the introduction of the Maya Black Credit Card or simply Maya Black.

This premium, black-tier offering leverages Maya’s proprietary data and AI-driven credit models. It signals a shift in how credit is accessed in the Philippines.

Designed with the mobile-first consumer in mind, Maya Black aims to broaden access to credit for a wider range of Filipinos. In particular, the company has its sights set on those who may lack traditional credit histories.

The card is accessible directly through the Maya app. It promises a swift approval process and instant virtual card issuance. This is followed by the delivery of a sleek physical card — 3-5 days according to Maya, and comprehensive in-app management.

This approach challenges the conventional notion that black-tier credit cards are exclusively reserved for high-income earners with extensive credit records.

Process everything on the Maya app

Maya Black introduces a fundamentally different approach to credit assessment. By utilizing Maya’s extensive transactional data and various alternative data sources, the platform’s AI-powered credit scoring model can evaluate and approve applicants who might be overlooked by traditional banking institutions.

Furthermore, individuals without prior credit history can opt for a secured card pathway. This is seamlessly integrated within the app. It eliminates the need for cumbersome paperwork or reapplications.

The entire credit card lifecycle, from initial application and approval to card issuance and customer support, is entirely digital. Users can conveniently manage their spending, billing, and access support services directly within the Maya app.

Upon approval, users receive an instant virtual card, followed by the delivery of the Philippines’ first numberless physical card. All sensitive card details are securely stored within the app. This empowers users with the ability to freeze or replace their card in real-time for enhanced security.

“We engineered Maya Black specifically for a generation that demands instant, mobile-first banking solutions. This is not your typical credit card; it’s a completely re-engineered experience,” said Angelo Madrid, President of Maya Bank.

Premium benefits from the outset

Maya Black delivers a comprehensive suite of premium-grade benefits right from the start, including:

  • Maya Miles: Earn miles on every transaction, with real-time tracking within the app. These miles can be utilized as currency across Maya’s extensive merchant network, converted into airline miles such as Philippine Airlines’ Mabuhay Miles, and redeemed for other travel rewards—all within the app.
  • Welcome Bonus: Receive 3,000 bonus miles upon physical card activation and spending PhP 5,000 within the first 60 days.
  • Airport Lounge Access: Enjoy access to airport lounges via DragonPass, including PAGSS and Marhaba lounges at Ninoy Aquino International Airport (NAIA).
  • Global Acceptance: The card is accepted at over 130 million merchants worldwide through the Visa network.
  • Enhanced Security: Benefit from advanced security features, with card numbers exclusively accessible via the app and real-time freeze/replace functionalities.

Addressing rising demand and limited access

Interest in credit cards is experiencing a significant surge in the Philippines. According to Google Philippines data, credit cards now account for 38% of financial product search interest.

However, access to credit cards remains limited. The Bangko Sentral ng Pilipinas (BSP) 2021 Financial Inclusion Survey indicated that 56% of Filipino adults find it challenging to qualify for a credit card.

As of Q4 2023, TransUnion data revealed that only 15% of Filipino adults hold a credit card. While the outstanding credit card base saw a substantial year-over-year growth of 20%, from 9.3 million to 11.2 million cards, penetration remains low in a country with over 70 million adults.

Maya Black directly tackles this accessibility gap by eliminating traditional barriers and scaling AI-powered credit across Maya’s rapidly expanding Millennial and Gen Z user base. This launch builds upon the success of the Landers Cashback Everywhere Credit Card, which has seen the issuance of nearly 200,000 cards to date.

Finance

HONOR, Fidesmo partner for contactless payments across Europe, Middle East

Enabling contactless payments on the HONOR Watch 6

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HONOR and Fidesmo have partnered to launch contactless payments across Europe and the Middle East on the HONOR Watch 6.

Powered by Fidesmo Pay, the integration enables users to connect an existing Mastercard or Visa card to their watch and complete contactless transactions directly from the wearable device.

This brings Fidesmo’s network of over 900 banks and financial institutions to HONOR’s customers. Users can connect an existing card to the HONOR Watch 6 instantly through the HONOR Health App, which installs a unique token directly onto the watch.

Acting as a secure reference to the payment method, this token allows customers to pay without storing their actual payment details on the device. Once installed, users can tap the watch at any
contactless terminal to pay, just as they would with a card or phone.

HONOR joins a group of device partners that already includes Swatch, Polar, and Mondaine as Fidesmo continues to build momentum across categories.

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Features

Getting the latest Samsung Galaxy Z Flip8 at 0% Interest with Maya Mini Payments

What convinced me to upgrade and how Maya Mini Payments made paying for it easier~

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I don’t upgrade simply because there’s a newer model on the shelf.

Last year, I upgraded to the Samsung Galaxy Z Flip7 after spending three years with the iPhone 13 as my daily driver.

Even then, the decision wasn’t about chasing the latest release. It was about finding a device that better matched how I work.

I’m a firm believer that every upgrade has to earn its place in my pocket, especially when there are already perfectly capable phones sitting on my desk.

So when I decided to pre-order the Samsung Galaxy Z Flip8, the decision wasn’t simply about getting the newest device.

It came down to two questions: Is this a smart upgrade? And if it is, what’s the smartest way to own it?

The first question was answered by the device itself. The second is where Maya Mini Payments entered the conversation.

For me, the Flip8 addresses the reasons to upgrade. Maya Mini Payments addresses one of the biggest reasons people hesitate: big purchases that could be paid in 3, 6, 9 or 12 monthly payments.

Changing how I shoot and use my phone

I spend most of my day switching between shooting, editing, and posting, sometimes all within the same hour.

One of the biggest reasons the Galaxy Z Flip8 caught my attention is the cover screen. It’s finally useful enough that I can shoot, preview, and interact with content without constantly opening the device.

That may sound like a small change, but it makes a difference when you’re trying to capture candid moments before people notice a camera pointed at them.

It also makes everyday tasks easier. I can check a script, review a shotlist, reply to messages, or glance at notifications without unfolding the phone every few minutes.

For years, foldables often felt like they required some compromise. You gained a unique form factor and flexibility, but sometimes gave up a little on the camera experience. The Flip8 feels like it’s closing that gap.

Samsung’s improvements in low-light performance and stabilization are especially noticeable for the kind of run-and-gun content I create.

I haven’t spent enough time with it to call this a full review yet, but my first impressions have been positive. The experience feels more refined and more dependable than previous generations.

Features alone don’t convince me to upgrade. They have to solve a real problem. The more useful cover screen, the improved camera experience, and the overall refinement were the first signs that the Flip8 was offering something I’d actually use every day rather than another feature to add to a spec sheet.

The battery and multitasking finally match my day

The less exciting reason I’m upgrading is also the one that affects me the most.

Between filming, reviewing footage, answering emails, coordinating campaigns, and managing social media, my phone is constantly working.

My old device usually drops into battery-saving territory before dinner. It gets the job done, but I spend too much time thinking about charging instead of working.

The Galaxy Z Flip8 feels better equipped for that reality. The battery efficiency is improved, and multitasking feels more natural when juggling multiple apps throughout the day.

Those aren’t flashy features, but they’re the kinds of upgrades that quietly improve everyday productivity. They’re also the features that convinced me this wasn’t simply a want. It was an upgrade I could actually justify.

Once I was convinced the Flip8 was worth upgrading to, I realized the decision wasn’t really over. A smart upgrade also deserves a smart way to pay for it.

Making a big upgrade more manageable

Of course, deciding a device is worth upgrading to is only half the equation. The other half is figuring out how to pay for it.

The Galaxy Z Flip8 is a premium device, and for most people, the upfront cost is what gives them pause. That’s often where upgrade decisions get delayed, even when the device itself makes sense.

That’s why Maya Mini Payments stood out to me. Any Samsung purchase paid with a Maya Credit Card can be converted into Mini Payments directly through the Maya app, making it easier to spread the cost into monthly installments instead of paying for everything upfront in one go.

You can choose installment plans of up to 12 months at a fixed monthly add-on interest rate of 1%.

For Samsung Galaxy Z Fold8 and Galaxy Z Flip8 purchases, cardholders can enjoy a 3-month Mini Payment plan at 0% interest, making the upgrade more manageable without additional interest costs on the installment plan.

What I like about the concept is that it mirrors the reason I like the Flip8 itself.

The Flip8 makes it easy for me to shoot, edit, communicate, and multitask throughout the day. Maya Mini Payments makes it easy to purchase by turning one large expense into a payment plan that fits more naturally into a monthly budget.

Both are practical solutions to real-world problems. Also, the entire process can be managed directly within the Maya app, making it easy to track and manage installment conversions without additional paperwork.

 

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Still on the fence?

The Samsung Galaxy Z Flip8 feels like one of the strongest cases yet for upgrading to a foldable.

For me, the cover screen is more useful, the camera experience feels more capable, and the battery and multitasking improvements better match how I actually work every day.

If you prefer a larger screen for productivity, the Samsung Galaxy Z Fold8 follows the same philosophy while giving users even more room to multitask and create.

If you’ve already decided Samsung’s latest foldables are your next devices, there’s also a smarter way to make that upgrade happen.

All your Samsung purchases made using a Maya Credit Card can be converted into a 3-month Mini Payment plan at 0% interest, with zero processing fees until September 30, making it easier to enjoy Samsung’s latest innovations without one big upfront payment.

Pre-orders run until August 13, with devices available in-store beginning August 14.

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Deals

Maya: Convert purchases to 0% interest Mini Payment plans

On select electronics and home appliance purchases for a limited-time only

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Maya is offering consumers the opportunity to convert eligible electronics and home appliance purchases to 3-month Mini Payment plans with 0% interest.

That’s through the Maya Black Credit Card or the Landers Cashback Everywhere Credit Card. The promo period runs from August 1 to October 31, 2026, giving consumers more financial flexibility.

In addition, processing fees will be waived for Mini Payment plans availed until September 30.

Purchases will continue to earn instant Maya Miles or Landers Cashback Points with use of the corresponding card.

To avail of the mini-payment offer, simply make a single straight purchase worth at least PhP 10,000 using either card.

Once the transaction is posted on the Maya app, select the transaction and tap “Convert to Mini Payments”. Then, choose the 3-month Mini Payment plan to enjoy the promo.

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