Buying a new laptop, replacing a worn-out refrigerator, or upgrading a television can put a significant dent in a household budget. To help consumers spread out the cost of these purchases, Maya is offering eligible credit cardholders a limited-time financing promotion that allows selected transactions to be converted into a three-month payment plan with an effective 0% interest.
Running from August 1 to October 31, 2026, the offer applies to qualified purchases made using the Maya Black Credit Card or the Landers Cashback Everywhere Credit Card. Customers who convert eligible purchases into Mini Payments by September 30 will also have their processing fees waived.
What is Maya Mini Payments?
Maya Mini Payments is a feature that lets eligible credit cardholders convert qualifying straight purchases into installment-like payment plans.
Instead of paying the full amount in one billing cycle, cardholders can divide their purchase into fixed monthly payments over a selected period.
For this promotion, qualified purchases can be converted into a three-month Mini Payment plan with an effective 0% interest, provided customers meet the promo requirements.
How does the 0% interest promo work?
To qualify for the promotion, customers need to:
- Make a single straight purchase worth at least ₱10,000 using a Maya Black Credit Card or Landers Cashback Everywhere Credit Card.
- Wait for the transaction to appear in the Maya app.
- Select the posted transaction.
- Tap "Convert to Mini Payments."
- Choose the 3-month Mini Payment option.
Although the Mini Payment initially reflects the standard monthly interest, Maya automatically credits back the applicable interest during the first week of the following month after the payment plan appears on the customer's credit card statement. This results in an effective 0% interest for eligible transactions.
Which purchases are covered?
The promotion focuses on electronics and home appliances, making it useful for shoppers planning major household upgrades.
Eligible purchases may include items such as:
- Laptops
- Smartphones
- Televisions
- Refrigerators
- Washing machines
- Kitchen appliances
- Other qualified electronics from participating merchants
Customers are encouraged to review the complete list of participating merchants and full promo mechanics before making a purchase.
Continue earning rewards while paying over time
One advantage of the offer is that cardholders continue earning rewards even after converting purchases into Mini Payments.
Depending on the card used, customers receive:
- Maya Miles with the Maya Black Credit Card
- Landers Cashback Points with the Landers Cashback Everywhere Credit Card
This allows users to enjoy installment flexibility without giving up the rewards typically earned from straight credit card purchases.
Flexible payment options have become increasingly popular as consumers look for ways to manage larger purchases without paying the full amount upfront.
Installment programs can make essential household upgrades more manageable, particularly for appliances that need immediate replacement because of damage or wear.
However, financial experts also recommend using installment plans responsibly. Consumers should ensure that monthly payments fit comfortably within their budget and understand the full terms and conditions before converting purchases.
As household electronics and appliance prices continue to rise, financing options with reduced borrowing costs can help consumers make necessary purchases while maintaining healthier cash flow.
For eligible Maya cardholders, the promotion offers an opportunity to spread payments over three months, avoid processing fees during the promotional period, and continue earning rewards on qualifying transactions.
Maya's limited-time Mini Payments promotion gives eligible cardholders another flexible financing option for electronics and home appliance purchases. With an effective 0% interest, waived processing fees for early conversions, and continued rewards earning, the offer provides added value for consumers planning major purchases between August and October.
As with any credit product, shoppers should review the eligibility requirements and payment terms carefully to ensure the financing option aligns with their budget and financial goals.
.JPG)
.jpg)
