How much does a black card cost in the Philippines

A Black Card has always been associated with prestige and luxury, but along with recognition comes the question of cost.

In the Philippines, the expense of holding a Black Card depends on which path you choose.

On one side, there is the Maya Black Credit Card, a digital product with no annual fee but specific conditions to remain free.

On the other, there are traditional bank-issued Black Cards, which typically carry annual fees ranging from ₱3,000 to over ₱10,000.

Knowing the costs is essential because the price of a Black Card is not only about money—it reflects the value of benefits, lifestyle perks, and financial flexibility that cardholders receive in return.

💳 Maya Black Credit Card — The Digital, Low-Cost Option

The Maya Black Credit Card has redefined what it means to own a premium card in the Philippines. Unlike traditional products, it removes most barriers by eliminating annual fees.

Cost structure of Maya Black:

• Annual fee: ₱0 permanently, as long as the card is used at least once a month
• Grace period: No penalty during the first six months, even if unused
• Inactivity fee: ₱50 per month if there are no transactions, withdrawals, or purchases within the billing cycle

For users who make at least one transaction per month, the Maya Black is effectively a free Black Card.

The only cost arises from inactivity, making it a practical option for those who want the prestige of a Black Card without the heavy price tag.

🏦 Traditional Bank-Issued Black Cards — Premium Costs

For those seeking traditional prestige and exclusivity, banks in the Philippines offer premium-level Black Cards.

These products deliver luxury travel perks, concierge services, and global recognition, but they come with higher costs.

Typical annual fees include:

• Metrobank World Mastercard® → ₱6,000 per year
• Security Bank World Mastercard → ₱5,000 per year
• BPI Signature Card → ₱5,500 per year
• UnionBank Platinum Mastercard → ₱3,000 per year

While these are standard examples, annual fees for traditional premium Black Cards can exceed ₱10,000 depending on the issuer and the benefits included.

Unlike the Maya Black, these cards rarely waive annual fees and are designed for clients willing to pay more for status, recognition, and high-value privileges.

⚖️ Cost Comparison — Digital vs Traditional

To better understand the differences, it helps to compare side by side:

Maya Black (Digital):

• Annual fee: ₱0 (with monthly use)
• Inactivity fee: ₱50 per month if unused
• Best for: Cost-conscious professionals who want international acceptance without recurring fees

Traditional Bank Black Cards:

• Annual fee: From ₱3,000 to ₱10,000+ per year
• No inactivity fee, but always recurring charges
• Best for: High-net-worth individuals who value luxury perks and elite services

This comparison shows that the Maya Black is financially accessible, while traditional Black Cards focus on status and premium benefits at a higher cost.

🌟 Why the Cost Matters

The cost of a Black Card is not simply a fee—it is a trade-off between money and value. Some cardholders see the annual fee as justified because it unlocks services like airport lounge access, concierge assistance, and extensive travel insurance.

Others prefer the no-cost model of Maya Black, which still provides global access, rewards, and security without requiring a large annual payment.

Ultimately, the choice depends on lifestyle. Those who travel frequently and demand luxury services may find the fees worthwhile.

Those who want a modern, low-maintenance solution may find Maya Black the perfect fit.

❓ FAQ — Cost of Black Cards in the Philippines

How much does a Maya Black Credit Card cost?
It has ₱0 annual fee, provided you use it at least once a month. Otherwise, an inactivity fee of ₱50 per month applies.

What is the cost of traditional Black Cards in the Philippines?
Annual fees range from ₱3,000 to ₱10,000 or more, depending on the issuing bank and the benefits included.

Which bank Black Cards have specific fees?

• Metrobank World Mastercard®: ₱6,000 per year
• Security Bank World Mastercard: ₱5,000 per year
• BPI Signature Card: ₱5,500 per year
• UnionBank Platinum Mastercard: ₱3,000 per year

Do Black Cards ever waive annual fees?
Traditional bank-issued Black Cards rarely waive fees, while Maya Black removes them permanently if monthly usage is maintained.

Is the cost of a Black Card worth it?
Yes, if the benefits outweigh the fees. Frequent travelers and executives may find lounge access, concierge, and insurance justify the cost. For cost-conscious users, Maya Black provides prestige with no recurring expense.