Melo Villareal
Planning to replace an aging washing machine, upgrade your laptop, or finally get that TV you’ve been eyeing? A major home or tech purchase doesn’t always have to mean paying the full amount upfront.
Maya Mini Payments
From August 1 to October 31, 2026, Maya is giving eligible cardholders a more flexible way to pay for electronics and home appliances through its Mini Payments feature. Qualified purchases made using the Maya Black Credit Card or Landers Cashback Everywhere Credit Card can be converted into a 3-month Mini Payment plan with an effective 0% interest.
There’s an added perk for early conversions, too. Processing fees are waived for Mini Payments created until September 30, 2026, making the offer particularly useful for shoppers planning their purchases in the coming weeks.
Upgrade Now, Pay Over Three Months
For many households, replacing an appliance or upgrading a frequently used gadget can be a significant expense. Maya Mini Payments offers an option to spread the cost over three months instead of paying for the entire purchase in one billing cycle.
To qualify for the promotion, make a single straight purchase worth at least PHP10,000 using either the Maya Black Credit Card or Landers Cashback Everywhere Credit Card at an eligible merchant.
Once the transaction has been posted in the Maya app, cardholders can select the purchase and choose Convert to Mini Payments. From there, select the 3-month Mini Payment plan to avail of the promotion.
The offer can come in handy for practical purchases such as laptops, smartphones, televisions, washing machines, refrigerators, and other eligible electronics and home appliances.
You Can Still Earn Rewards
Paying for a purchase over time doesn’t mean you have to miss out on rewards.
Eligible purchases continue to earn Maya Miles when using the Maya Black Credit Card. Cardholders using the Landers Cashback Everywhere Credit Card can continue earning Landers Cashback Points.
That means shoppers can enjoy the convenience of spreading payments while still collecting rewards from their purchases.
How to Convert a Purchase to Mini Payments
Getting started is straightforward:
- Make a qualifying purchase. Spend at least PHP10,000 in a single straight transaction using your eligible Maya credit card.
- Wait for the transaction to post. The purchase must appear in your Maya app before it can be converted.
- Select the transaction. Open the posted purchase in the Maya app.
- Tap “Convert to Mini Payments.”
- Choose the 3-month plan to qualify for the promotion.
One important detail: Mini Payments are initially billed using the standard monthly interest rate. For eligible promotional transactions, however, Maya automatically credits back the applicable interest every first week of the following month after the Mini Payment plan is posted on the credit statement. This results in an effective 0% interest for qualified purchases under the promotion.
A Practical Option for Planned Purchases
The promotion could be particularly useful for travelers and lifestyle shoppers who are preparing for a major purchase.
A new laptop, for example, can be useful for remote work and travel. A new smartphone can make a difference for travelers who rely on their devices for navigation, photography, mobile payments, and communication. At home, replacing an inefficient appliance can also be a worthwhile upgrade.
Instead of putting off an essential purchase because of the upfront cost, eligible cardholders can consider spreading the expense over three months—as long as the purchase fits comfortably within their budget.
Of course, shoppers should still check the full terms and conditions, including eligible merchants and qualifying purchases, before making a purchase.
When Does the Promo Run?
The Maya Mini Payments 0% interest promotion runs from August 1 to October 31, 2026.
For those looking to take advantage of the waived processing fee, Mini Payments must be created on or before September 30, 2026.
Before making a purchase, check the official promotion details and list of participating merchants to confirm that your intended purchase qualifies.
For the complete mechanics and list of eligible merchants, visit maya.ph/minipaymentpromo before making your purchase.
You can also follow @makeyourmoneymaya on Facebook, Instagram, YouTube, and TikTok for updates.
Approval and offers are subject to credit evaluation. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas. For assistance, customers can access the Help Center through the Maya app or call +632 8845-7788, available daily from 8 AM to 7 PM.
This version keeps the promotional details intact while making the article feel more natural and useful for a travel and lifestyle audience.
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