As consumers look for ways to stretch their budgets amid rising costs, digital bank Maya is encouraging a financial mindset known as “moneymaxxing” — maximizing the value of everyday spending through rewards, cashback, flexibility, and responsible use of credit cards.

In a statement, Maya said credit cards can be used strategically to generate additional value from planned expenses such as groceries, dining, travel, fuel, subscriptions and recurring bills. The company noted that aligning credit card use with existing spending habits can help consumers earn rewards and cashback on purchases they already intend to make.

The fintech firm also emphasized that credit limits should be treated as financial tools rather than additional income. Keeping spending within manageable levels, it said, can help cardholders stay on top of payments and maintain healthy credit habits.

Among the products highlighted by Maya is the Maya Black Credit Card, which offers Maya Miles for purchases, including higher rewards at participating merchants. The company said the rewards can be redeemed for shopping, dining, and other experiences. Cardholders are also entitled to complimentary quarterly airport lounge access at select local and international airports.

For consumers who prefer cashback benefits, Maya cited the Landers Cashback Everywhere Credit Card, which offers cashback on purchases at Landers, dining establishments, and other transactions. The card also provides fuel discounts at participating Landers-Caltex stations.

Maya likewise promoted its Mini Payments feature, which allows eligible purchases to be converted into installment payments of three, six, nine, or 12 months at a fixed add-on interest rate of one percent per month. According to the company, the feature can help cardholders manage larger expenses by spreading payments over time.

The company also underscored the importance of paying credit card bills on time to avoid additional charges and build healthy credit habits. It added that users can monitor their spending, rewards, payments, and credit information through the Maya app.

Maya described moneymaxxing as a way of extracting greater value from spending that is already taking place, whether through rewards, cashback, payment flexibility, or improved financial discipline.