As of writing (August 2025), the promo is ongoing, but like all promos, it may be time-limited. Check the Maya app announcements or their social media pages to see if it’s still active.
I tested the process myself using my BDO Visa credit card, and here’s how it went:
- ✅ The transaction pushed through instantly
- ✅ I was not charged any convenience fee
- ✅ The amount was credited to my Maya wallet in real time
- ✅ It worked as long as the amount was under ₱5,000
However, there were a few key limitations:
- ⚠️ Maximum of two transactions under ₱5,000 were allowed per day
- ⚠️ My attempts to cash in ₱5,000 or higher were declined
- ⚠️ BDO only allowed a total of ₱9,998 (₱4,999 × 2) in one day
So if you’re using a BDO Visa credit card, you can cash in up to ₱9,998 daily using this method—as long as you split the transactions.
While Maya waives their own convenience fee during the promo, some banks treat wallet top-ups as “quasi-cash transactions”, which may trigger cash advance fees or interest charges.
Check your bank’s policy before using their credit card
Call your bank and ask: “Do you charge quasi-cash or cash advance fees for wallet top-ups?”
Use banks that treat Maya top-ups like regular purchases (BDO Visa seems to be one of them)
Banks known for quasi-cash fees include some foreign banks, fintech cards, and even certain local Mastercard issuers. Visa cards seem to work better overall for this promo.
Apply for a BDO Credit Card now!
Here’s the full step-by-step process:
- Open the Maya app
- Tap “Cash In” from the home screen
- Select “Credit/Debit Card”
- Tap “Link a New Card” and enter your Visa credit card details
- Set your desired amount (keep it under ₱5,000 per transaction)
- Confirm the payment and complete any OTP verification from your bank
- Wait for the top-up to reflect—should be instant
You’ll receive confirmation from both Maya and your credit card provider.
💡 Only Visa credit cards are eligible for the no-fee promo (not Mastercards)
🔐 Make sure your card supports online transactions and 3D Secure
⚠️ Some banks might decline transactions flagged as wallet top-ups
📈 If you exceed daily limits, you may need to wait 24 hours before trying again
This Maya Visa credit card cash-in promo is a smart way to add funds to your wallet for free, especially if you’re investing through DragonFi Lite, paying bills, or sending money. Just be mindful of your card’s policies and transaction limits to avoid any surprise fees.
If you’re using a BDO Visa card like me, it’s a safe bet—but always start with small amounts and monitor your credit card statement after your first few transactions.
