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Your Go-To Guide for Smarter Holiday Spending with Maya
The holidays are basically here: malls are buzzing with shoppers, your calendar is filling up fast, and your group chats are overflowing with invites and get-togethers. Before you swipe, tap, or check out, do yourself a favor and get your finances in order.
Think of this as your quick holiday tune-up—the one that helps every peso work smarter for you, keeps every splurge intentional, and makes each purchase feel a little lighter on your wallet.
Here’s how you can still catch up and get holiday-ready with Maya:
Lock in your budget (and your goals)
If your “holiday budget” is still just a mental note, now’s the perfect time to turn it into a real plan. Rather than keeping everything in your head and risking overspending, you can decide how much to set aside for each of your holiday must-haves.
With Maya Personal Goals, you can create up to five separate savings targets—like gifts, Noche Buena, travel, family get-togethers, or even an emergency buffer for year-end surprises. Each target has its own goal, name, and balance, so you always know how close you are to completing each one.
Every Personal Goal earns 4% interest per year right away, so your money grows as you save. Plus, every P20,000 you add to your balance can increase your rate by up to 8% p.a. on deposits up to P100,000. The more you save, the more interest you can earn—without any complicated steps, paperwork, or additional accounts.
There are no lock-ins or penalties, so you can withdraw at any time if your plans change or you need to adjust. It’s an easy way to make sure your bonus and extra holiday earnings don’t vanish after a single shopping trip, and instead are allocated to the things that matter most to you.
Treat yourself smart
Holiday meals, reunions, and last-minute gifts can add up quickly, but with Maya, every purchase can pay off.
If you’re dining out this holiday season, use your Maya Credit Card to enjoy the 20% cashback dining promo and earn up to P1,000 cashback each month when you spend at least P2,500. Beyond dining, you also get more rewards wherever you pay: earn Maya Miles with your Maya Black Credit Card, or collect Landers points with the Landers Cashback Everywhere Credit Card—perfect for your holiday grocery runs and gift shopping.
Tap to Pay: Your new holiday superpower.
No more digging through your bag for your wallet while you’re already in line, no more fumbling with QR codes at the counter, and no more waiting for OTPs to come through. With Maya on Google Pay, you can pay with a quick tap of your phone wherever contactless payments are accepted—morning coffee runs, late-night grocery hauls, airport shopping before a flight, weekend bazaars, and more.
Just add your Maya Credit Card to Google Pay and every tap automatically earns instant Maya Miles or Cashback, so your rewards pile up faster with every purchase while you effortlessly breeze through the holiday rush.
Keep your peace and your funds intact.
Your schedule might be a mess, but your money doesn’t have to be. With the Maya app, you can easily track your spending, savings, credit, rewards, and even your holiday cashback — all in one clean, detailed dashboard.
See every peso you earn and spend in real time, set savings goals, and stay on top of your bills and everyday purchases without jumping between multiple apps. Everything you need to manage your money is organized in one place, so you can feel in control even on your busiest, most chaotic days.
And here’s the cherry on top: every P1,000 you spend with Maya — whether it’s on gifts, groceries, online shopping, or dining out with friends — earns you a raffle entry for a shot at P1 million. If you win, Maya doubles the prize, so your bestie also takes home P1 million. That’s a total of P2 million in cash, so you’re both 2winning this Christmas just by paying with Maya whenever you shop, dine, or spoil your loved ones.
Visit maya.ph or mayabank.ph, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok to stay updated. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). Deposits are insured by PDIC up to P1 million per depositor.
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Your Go-To Guide for Smarter Holiday Spending with Maya
Melo Villareal
Out of Town Blog
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