Maya is offering cardholders a way to spread the cost of qualifying electronics and home appliance purchases over three months through its Mini Payments feature.
From August 1 to October 31, 2026, eligible straight purchases made with the Maya Black Credit Card or Landers Cashback Everywhere Credit Card can be converted into a three-month Mini Payment plan with effective 0% interest.
Processing fees are also waived for Mini Payments created until September 30, 2026.
Minimum PHP10,000 purchase required
To qualify, cardholders must make a single straight purchase worth at least PHP10,000 using either eligible Maya credit card.
Once the transaction appears in the Maya app, users can select it, tap Convert to Mini Payments, and choose the three-month payment plan.
Purchases converted under the promotion will continue to earn rewards. Maya Black Credit Card users can earn Maya Miles, while Landers Cashback Everywhere Credit Card users can receive Landers Cashback Points.
How the 0% interest mechanic works
The promotion uses an interest rebate rather than charging zero interest from the start.
Maya explains that Mini Payments are initially billed with the standard monthly interest. For eligible transactions, the applicable interest is then automatically credited back during the first week of the following month after the Mini Payment plan appears on the credit statement.
This results in an effective 0% interest rate for qualifying purchases, subject to the promotion’s full terms and conditions.
Designed for larger household and tech purchases
The offer is positioned for purchases such as laptops, televisions, washing machines, and other electronics or home appliances that customers may prefer to pay for over several months rather than in one transaction.
Eligibility is limited to participating merchants under the promotion. Maya advises cardholders to check the official merchant list and complete mechanics before making a purchase.
The offer and card approval remain subject to credit evaluation.
In Summary
From August 1 to October 31, 2026, qualifying electronics and appliance purchases worth at least PHP10,000 made with the Maya Black Credit Card or Landers Cashback Everywhere Credit Card can be converted into a three-month Mini Payment plan with effective 0% interest. Processing fees are waived for eligible conversions created until September 30, while applicable card rewards continue to accrue.