Which digital bank gives the highest credit limit? CIMB publishes PHP 250,000 — Maya Black has been reported going higher

If you are shopping for credit from a digital bank, the answer to “who gives the highest limit” depends on whether you want an official published ceiling or a credit card that scales with your profile, and the two answers are different.

CIMB Bank publishes the highest official maximum at PHP 250,000, but Maya’s Black credit card has been reported approving limits as high as PHP 387,000 in community posts.

Here is the full comparison, with the official numbers and the caveats.

The official numbers, compared

Here is every digital bank credit product in the Philippines with a published limit, per the banks’ own pages.

CIMB is the only digital bank that publishes a PHP 250,000 ceiling outright, which makes it the official answer to the headline question.

CIMB REVI: the published champion

REVI Credit is CIMB’s revolving credit line, and its official FAQ states the range plainly: a minimum of PHP 1,000 and a maximum of PHP 250,000.

It works like a credit card in practice, letting you pay in installments with a credit limit that resets as you pay, without needing a plastic card.

That makes it the highest documented credit limit available from any BSP-licensed digital bank today.

Maya Black: the variable wildcard

Maya’s Black credit card does not publish a ceiling, because approval and limits are based on credit evaluation.

Community reports on social media show approvals as high as PHP 387,000, while first-time users report starting limits around PHP 10,000.

So Maya Black can beat CIMB on raw numbers, but only if your credit profile earns it, and there is no guarantee.

Maya Easy Credit: the accessible floor

Maya Easy Credit has the lowest entry point in the group at PHP 200, with a PHP 50,000 ceiling per Maya’s official page.

The limit is tied to how actively you use Maya services: the more consistent your usage, the higher your potential limit, and service fees start as low as 3.99 percent.

It is the best option for users building credit from a low base.

Tonik Credit Builder: the credit-building loan

Tonik’s Credit Builder Loan caps at PHP 50,000 per its official loans page, aimed squarely at users with no credit history.

It requires just one valid ID, works in flexible terms, and its real purpose is building your credit score so larger products open up later.

GoTyme MoreTyme: the flexible spender

GoTyme’s MoreTyme is a revolving credit line where you pay in installments and the limit refreshes automatically as you pay, per GoTyme’s help center.

Minimum purchases are PHP 1,500, and while GoTyme does not publish a maximum, community reports on r/DigitalbanksPh describe starting offers around PHP 50,000.

How limits actually get decided

Every digital bank bases its limit on the same inputs: income, credit history, app usage, and payment behavior.

CIMB and Maya both explicitly say consistent usage and on-time payments raise your limit, which means the published maximum is a ceiling, not a starting point.

The practical takeaway: expect a first limit far below the published max, then grow it with disciplined use.

The bottom line

CIMB REVI Credit is the official answer for the highest published credit limit at PHP 250,000, and it is the safest claim to make with a source behind it.

Maya Black can reach further in practice, with reported PHP 387,000 approvals, but it is a credit card with evaluation-based limits and no published guarantee.

For most users, the realistic target is PHP 50,000, the common ceiling across Maya Easy Credit, Tonik, and GoTyme MoreTyme.

Pick based on what you can qualify for today, and build up from there.