Maya is offering cardholders a three-month Mini Payment plan with an effective zero percent interest rate for eligible electronics and home appliance purchases from 1 August to 31 October 2026.

The promo covers purchases made using the Maya Black Credit Card or Landers Cashback Everywhere Credit Card. Processing fees are waived for Mini Payment plans created until 30 September.

To qualify, cardholders must make a single straight purchase worth at least P10,000, wait for the transaction to be posted in the Maya app, then select the transaction and convert it to the three-month Mini Payment plan.

Eligible purchases will continue to earn Maya Miles for Maya Black Credit Card holders or Landers Cashback Points for Landers cardholders.

Maya said the Mini Payments are initially billed with the standard monthly interest, but the applicable interest is automatically credited back during the first week of the following month once the plan is posted in the credit statement, resulting in an effective zero percent interest rate.

Customers may check the list of eligible merchants and full promo mechanics on Maya’s website before making a purchase. Approval and offers remain subject to credit evaluation.