Maya, the Philippines’ leading fintech ecosystem and #1 digital bank, is taking another bold move with the rollout of the Maya Black Credit Card (Maya Black).
Designed for mobile-first consumers and powered by Maya’s proprietary data and AI-driven credit models, Maya Black signals a pivotal shift in the credit card market in the Philippines.
This black-tier, premium credit card uses Maya’s tech-driven platform to expand access to credit for more Filipinos—especially those without traditional credit histories.
Available through the Maya app, it offers fast approval, instant virtual card issuance with the sleek physical card delivered soon after, and full in-app control—challenging the idea that black-tier credit should be limited to high earners with long credit records.
“Credit cards have long symbolized financial freedom and status—but for most Filipinos, they’ve remained out of reach. With Maya Black, we’re making the most desirable card in the market—and democratizing access to it,” said Shailesh Baidwan, Maya Group President and Maya Bank Co-Founder. “This is a bold step in reshaping credit access—and a major leap in Maya’s journey as the leading provider of full suite of financial products.”
Maya Black offers a fundamentally different approach. Leveraging Maya’s proprietary transactional data and other alternative data sources, Maya’s AI-driven credit scoring model can assess and approve users whom traditional banks often overlook. Applicants without credit history can also opt into a secured card pathway—fully integrated into the app, with no paperwork or reapplication.
