Maya is giving cardholders more time to pay for big-ticket electronics and home appliances without the added cost of interest, as it rolls out a limited-time 0% interest offer on its Mini Payment plans.
From Aug. 1 to Oct. 31, 2026, eligible purchases of at least ₱10,000 made with the Maya Black Credit Card or Landers Cashback Everywhere Credit Card can be converted into a three-month Mini Payment plan with an effective 0% interest.
Maya, digital financial services platform, is also waiving processing fees for Mini Payments created until Sept. 30, 2026. The offer gives consumers a way to spread out payments for appliances and gadgets instead of paying the full amount upfront.
The purchases will still earn rewards. Maya Black Credit Card users can earn instant Maya Miles, while Landers Cashback Everywhere Credit Card users can continue earning Landers Cashback Points on eligible purchases converted to Mini Payments.
To use the offer, cardholders need to make a single straight purchase worth at least ₱10,000 using either eligible card. Once the transaction is posted in the Maya app, they can select it, tap “Convert to Mini Payments,” and choose the three-month plan.
Maya said Mini Payments are initially billed with the standard monthly interest. However, it automatically credits back the applicable interest during the first week of the following month after the Mini Payment plan is posted on the credit statement, resulting in an effective 0% interest rate for eligible purchases.
The promotion covers purchases that consumers may need for home upgrades, as well as discretionary technology purchases such as new gadgets.
Cardholders can check the list of eligible merchants and the complete promo mechanics on Maya’s Mini Payment promo page before making a purchase.