Buying big-ticket items such as a new laptop for work or school, the latest smartphone, or even a high resolution TV can be quite expensive. We often put off these necessary upgrades for months, waiting for the right time or enough savings. But imagine being able to acquire such an important upgrade immediately, spreading out the cost, and actually getting something back for your purchase?
It might sound too good to be true, but it’s exactly the kind of flexibility modern digital services are bringing to the table. With the right financial tools, upgrading your life doesn’t just mean spending money; it can also mean earning rewards.
Here’s the deal: with Maya Mini Payments, a single purchase of at least PHP10,000 on your Maya Black Credit Card or Landers Cashback Everywhere Credit Card can be converted into a three-month installment plan at effective 0% interest, while the Maya Miles or Landers Cashback Points you earned on the purchase stay right where they are, safely in your account. The promo runs until October 31, 2026, but set up your plan by September 30, 2026, and Maya waives your processing fees too.
Why Rewards Matter When You Spend
While many view rewards programs as a background bonus, their value skyrockets during significant purchases where points and miles accumulate rapidly. For Maya users, these miles function like cash across the merchant network which you can redeem for flights, shopping, dining or other rewards. And if you’re a Landers Cashback Everywhere cardholder, using this same Mini Payments feature comes with an added advantage: your entire large purchase amount counts immediately toward your cumulative monthly spend. This clever feature helps you climb into higher cashback brackets (up to 5%) much faster, effectively supercharging the rewards you earn on every other purchase you make for the rest of the month.
The Power of “Effective 0% Interest”
Let’s break down how this actually works. Many installment plans seem great but come with hidden interest charges that eat into your savings. This is why the “Mini Payment plan with an effective 0% interest” model is so valuable.
When you convert your purchase to Mini Payments, interest will initially show up on your statement, same as it would with any installment plan. The difference is what happens next: Maya automatically credits that interest back to you in the first week of the following month, once your plan has been posted. By the end of the three-month term, you haven’t paid a centavo of interest; you’ve simply had it refunded along the way rather than never charged at all. Please take note that these are only eligible for electronics and home appliance purchases. Mini Payment plans that included retail or dining purchases will still be charged interest. Only the electronics and home appliance purchases will have their interest credited back.
Beyond the interest savings, there’s a strategic benefit to this approach that goes far beyond just saving money. When you hold onto your cash instead of dropping a large, heavy lump sum all at once, you maintain much better control over your monthly budget. By utilizing this 3-month split, you are essentially keeping a significant portion of your income free to use elsewhere, money that would have otherwise been locked into a single, expensive transaction. You are also keeping your financial options open, all while still enjoying the full benefits of your new upgrade immediately. Mini Payments offers flexibility and control for your immediate purchases, and as a bonus, don’t miss out on this limited-time offer of 0% interest. Check out what your Mini Payment plan would look like with your planned purchases by using the Mini Payment Calculator at https://maya.ph/minipayments.
How to enjoy 0% interest with Mini Payments
Ready to start upgrading? Here’s a simple way to earn those points while staying within your budget:
- Identify the items you really need. The promotion requires a single straight purchase of at least PHP 10,000 for any electronics or home appliance using your Maya Black Credit Card or Landers Cashback Everywhere Credit Card.
- Use your Maya Credit Card for the full amount at checkout. Don’t worry about the total just yet. The goal is to get the transaction posted to your account so you can manage it later.
- Once the transaction appears in your Maya app, look for Convert to Mini Payments and select the three-month plan.
- Because the purchase is treated as a qualifying transaction, your rewards (Miles or Points) stay securely in your account. You get to pay in small, easy-to-manage bites over the next 90 days, all while keeping the rewards you earned on day one.
- Your interest will still be seen in your Mini Payment plans. Maya will automatically credit that interest back to you within the first week of the following month, once your plan has been posted.
Don’t Miss the Window
One of the most important things to remember about smart shopping is timing. This promotion for Mini Payments runs until October 31, 2026, but there’s an extra incentive to act sooner. If you set up your Mini Payments by September 30, 2026, you also get those processing fees waived.
It’s a simple strategy: buy what you need, split the cost into three months, pay zero interest, and keep your rewards points. It’s about upgrading your lifestyle without stressing your bank account. The tools are already there; all you have to do is use them. Learn more about the 0% promo at maya.ph/minipaymentpromo.