GCash, Maya, and GrabPay Credit Card Cashback Comparisons

Ever wonder which digital-bank credit card gives you the most bang for your peso? Whether you’re just getting your first credit card or exploring better cashback options, knowing how GCash, Maya, and GrabPay stack up can help you get freebies—or even airfare—without confusion. Let’s take the guesswork out and see which card suits your lifestyle best.

Comparison Table: GCash vs Maya vs GrabPay

Platform/Card	How It Works	Rewards	Perks / Notes
GCash Card	Debit-style Visa card linked to your GCash wallet	No cashback or points system, just spending from your wallet balance	Easy access, global use, fee-aware (ATM fees apply)
Maya – Landers Cashback Everywhere	Credit card integrated into Maya app, fast approval, no paperwork	Up to 5% cashback at Landers, 2% on dining, 1% everywhere else	Auto-tracks rewards in-app, fast digital activation, applies to everyday purchases
Maya Black	Credit card that earns “Maya Miles”	1 Maya Mile per ₱40 spent, up to 10× at Maya Black Preferred merchants	Miles can be redeemed for travel, in-app catalog, airline conversions; includes travel perks
GrabPay Card	Mastercard-based charge to your GrabPay balance	No standard cashback; earns GrabRewards points for Grab transactions	Easy access via app, strong spend controls, but no direct cashback system

How Each Card Works (Simple Examples)

GCash Card

Think of this like spending your saved GCash money abroad or online. You don’t earn cashback or points—it’s more about convenience and global acceptance.
Great if you want a backup card for travel and withdrawals without any extra perks.

Maya – Landers Cashback Everywhere

Example: Spend ₱1,000 at Landers Superstore → Earn ₱50 back!
Dine out for ₱500 → Get ₱10 back.
Buy essentials elsewhere for ₱2,000 → Earn ₱20 cashback.
All these rewards appear right in your app—super easy to see and redeem.

Maya Black

Imagine earning travel miles for everyday spending.
Spend ₱2,000 at a Maya-Preferred bookstore → Maybe earn 10× the miles and later exchange them for airline miles or shopping vouchers. Great for travel-minded users.

GrabPay Card

There’s no straight cashback or credit card perks here—it uses your GrabPay wallet balance.
Useful if you already favor the Grab ecosystem, but not as rewarding for point-chasing.

Why Choose One Over the Other?

GCash Card – Best for users who just want on-the-go spending without looking for rewards.
Maya – Landers Cashback – Excellent all-rounder: real money back on daily spends, straightforward rewards.
Maya Black – Ideal if you travel or shop frequently with Maya Black merchants and want miles instead of cashback.
GrabPay Card – Convenient for everyday Grab users; not designed for cashback or credit-style benefits.

Use Our Free Credit Card Cost Calculator

Before diving in, it’s smart to understand the potential cost of credit card use—like interest, monthly installments, or overspending. Try our Credit Card Cost Calculator to see:

How much interest you might pay
Your ideal payment plan
How to use your card smartly without losing your cashback gains

TL;DR (Quick Summary)

GCash Card = Convenience, no rewards.
Maya (Landers Cashback) = Earn real cashback (up to 5%) on everyday spend—great for maximizing savings.
Maya Black = Earn miles for travel perks—perfect if you spend often and travel occasionally.
GrabPay Card = Easy to use within the Grab ecosystem—not reward-centric.
Use the Credit Card Cost Calculator to stay in control of your spending and avoid fees.

FAQs

Do GCash cards give cashback or points?
No—they’re debit-style cards linked to your wallet and don’t earn any rewards.
How do Maya rewards get reflected?
Cashback appears in your Maya app under the Landers card. Maya Miles for Maya Black are tracked digitally in-app too.
Can I convert Maya Miles to airline miles?
Yes—you can convert them via the app’s rewards catalog, depending on partner programs.
Is Maya Black free to use?
Yes—as long as you make at least one transaction per month.
Does GrabPay Card give standard cashback?
No—it doesn’t. You earn GrabRewards points only when using Grab services