Turn your available credit into cash instantly and pay with installment terms of 3, 6, 12, 18, or 24 months at fixed monthly add-on rate as low as 0.99%.
How can I avail of this offer?
  • The Maybank Credit Card EzyCash promo add-on rate is available from September 15 to December 31, 2018.
  • Call the Maybank Customer Service Hotline at (02) 588 – 3888 or dial the PLDT Domestic Toll Free at 1-800-10-588-3888 to avail of this promo rate
  • Minimum EzyCash amount you may request is Php10,000
  • Maximum EzyCash amount is up to Php500,000 or 70% of your Maybank Credit Card available credit limit, whichever is lower
  • You can choose from 3, 6, 12, 18, or 24 months, depending on the term that works best for you


What are the other rates available and how do I compute for my monthly amortization?

To compute for your monthly payment, please refer to the rate table and computation below.

TermsMonthly Add-OnFactor Rate
3 1.25% 0.345833333
6 1.25% 0.179166667
12 0.99% 0.093233333
18 0.99% 0.065455556
24 0.99% 0.051566667

Fixed Monthly Amortization = Total EzyCash Amount x Factor Rate of EzyCash Term

Total EzyCash Amount = Php 50,000.00
EzyCash Term = 18 months
Factor Rate = 0.065455556
Php 50,000.00 x 0.064355556= Php 3,272.78
Fixed Monthly Amortization = Php 3,272.78

Promo Mechanics
  • EzyCash Promo Add-on Rate is valid from September 15 to December 31, 2018.
  • Principal Maybank Credit Cardholders who are active and in good credit standing are entitled to apply for the EzyCash Program
  • EzyCash is available in 3, 6, 12, 18, 24 months installment
  • Promo add-on rates per term are as follows
TermsMonthly Add-OnFactor RatePromo Monthly Add-On RatePromo Factor Rate
3 1.35% 0.346833333 1.25% 0.345833333
6 1.35% 0.180166667 1.25% 0.179166667
12 1.25% 0.095833333 0.99% 0.093233333
18 1.25% 0.068055556 0.99% 0.065455556
24 1.25% 0.054166667 0.99% 0.051566667


  • The required minimum EzyCash amount is Php 10,000 and maximum amount shall be set at Php 500,000.00 regardless of term.
  • To request for EzyCash, Maybank Credit Cardholder shall call the Maybank Customer Service Hotline at (02) 588 – 3888 or dial the PLDT Domestic Toll Free at 1-800-10-588-3888.
  • In the EzyCash request, Maybank Credit Cardholder shall disclose the following details:
    • Maybank Credit Card number
    • Maybank Credit Card expiry date
    • Total EzyCash Amount
    • EzyCash term (3, 6, 12, 18 and 24 months)
    • Bank Name (For EzyCash Loan Proceeds)
    • Bank Account Number (For EzyCash Loan Proceeds)
    • Bank Account Name (For EzyCash Loan Proceeds)
  • EzyCash requests are still subject to verification of Maybank Philippines, Inc. ("MPI")
  • Upon verification, MPI has sole discretion whether to approve or disapprove the EzyCash request.
  • The approved Total EzyCash Amount must not exceed the 70% of Cardholder's Maybank Credit Card Available Credit Limit or Php 500K whichever is lower.
  • MPI also has the discretion to approve an EzyCash request but with an amount less than the Total EzyCash Amount the cardholder originally requested.
  • A maximum of three (3) approved requests per month is allowed provided it is within the set parameters.
  • Processing time is 10 to 15 banking days.
  • For approved EzyCash applications, proceeds will be released through the following:
  • Deposit to MPI Account. This shall be free of charge.
  • Cheque Deposit to Non-MPI Account. EzyCash Managers' Check Fee of Php 100.00 which will be charged to the Cardholder upon approval. In addition, inter-branch transfer fee shall be borne by the Carholder depending on the fee charged by their depository bank.
  • For crediting of proceeds, only one deposit transaction shall be allowed. No splitting of proceeds to several accounts shall be accommodated.
  • MPI shall not be held liable for any loss, damage or liability (actual or potential) incurred by the Cardholder for reasons, including but not limited to, erroneous/invalid account number, rejected deposit through no fault of MPI. It is the responsibility of the MPI Cardholder to ensure that their Non-MPI accounts will accept cheque deposits.
  • For joint accounts, the Cardholder bears the sole responsibility of securing EzyCash proceeds. MPI shall not be held liable for problems arising from the nature of the deposit account submitted by the cardholder.
  • First month amortization of EzyCash will be automatically posted to cardholder's Statement of Account upon Statement Date.
  • The total EzyCash amount (principal + interest) must not exceed the principal cardholder's available credit limit at the time of Ezycash application.
  • Once EzyCash application has been approved, the principal amount with interest will be earmarked against the cardholder's available credit limit
  • A monthly add-on interest rate based on prevailing rates will be charged on the amount applied for installment. The total interest is computed by multiplying the principal amount with the monthly add-on interest rate multiplied by the chosen payment term. Total EzyCash Amount is the sum of principal amount and total interest.
  • The monthly amortization is computed by multiplying the Total EzyCash Amount with the chosen payment term’s factor rate
Total EzyCash Amount = Php 50,000.00

EzyCash Term = 18 months
Factor Rate = 0.065455556
Php 50,000.00 x 0.065455556 = Php 3,272.78
Fixed Monthly Amortization = Php 3,272.78

  • The monthly amortization shall be posted as a regular transaction on Cardholder's Statement of Account and shall form part of the Total Amount Due. Should the cardholder choose to pay only a portion or the minimum amount due, the monthly amortizations are subject to the regular interest.
  • In case of pre-termination or cancellation of EzyCash, please take note of the Pre-Termination Fee equivalent to five percent (5%) of the unbilled principal component of the Total Amount Payable or Php500.00, whichever is higher, plus a one (1) month add-on interest that will be added up to the Principal Amount.
  • In the event that the Maybank Credit Card account is 90 days or more past due, the EzyCash installment plan will be cancelled, and any remaining unpaid balance will be billed to the Maybank Credit Card account in full as a regular retail transaction and will be subject to the standard monthly interest of Three percent (3%) per month.
  • EzyCash transactions shall not earn TreatsPoints.
  • The use of Maybank Credit Card in connection with this EzyCash facility is subject to the Terms and Conditions governing Issuance of Maybank Credit Cards. The EzyCash Program is further subject to all relevant laws, government directions and regulations existing in the Philippines.

 Per DTI – FTEB Permit No. 10976 Series of 2018


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  • Maybank Philippines Inc., is regulated by the Bangko Sentral ng Pilipinas (BSP). For inquiries or complaints, you may contact Maybank Customer Service hotline at (02) 8588 3888 or our toll-free number 1800 10 588 3888. Alternatively, you may also send an email to mpi.customerservice@maybank.com. You may also contact BSP at (02) 8708 7087 or consumeraffairs@bsp.gov.ph.


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