Over 1 in 3 Maya credit cardholders from deposit-backed black express card

The minimum express deposit serves as the basis for the customer’s credit limit.

Over 1 in 3 (37%) of digital bank Maya’s credit cardholders originate from its deposit-backed credit card Maya Black Express, the Philippine digital bank reported on 16 October 2025.

Maya Black Express allows customers to place an express deposit that serves as both collateral and a 3.5% per annum earning account. In exchange, the customers gain access to a numberless credit card with CVV, no annual fees for life, complimentary access to global airport lounges, and access to Maya preferred merchants for its rewards program.

The minimum express deposit starts at PHP12,500, and 80% of the deposit will determine the cardholder’s credit limit.