MANILA, Philippines (Apr 2026) — We’ve all been there: standing in the grocery aisle or at the gas pump, doing the mental math and wondering, “Was it always this expensive?” With rising fuel costs and pricier everyday essentials, simply “spending less” isn’t always a realistic strategy.
Maya, the country’s leading digital bank and fintech platform, is pushing a different approach: being a “smart saver.” Instead of just cutting back, the goal is to make every peso work harder by using the right tools in the background.
Turn your gas and groceries into a discount
If you have to spend the money anyway, you might as well get some of it back. Small shifts in how you pay can offset those rising pump prices. For example, using a Maya Debit Card for fuel can get you 5% cashback (minimum spend of ₱500, capped at ₱300) until April 30, 2026.
If you’re a Landers member, using the Landers Cashback Everywhere Credit Card offers up to 5% back at the superstore and 1% at Landers Caltex branches. Even routine spending on a Maya Black Credit Card can be converted into Maya Miles, which can be traded for up to ₱1,500 in Pricelocq fuel vouchers.
Idle money is losing value
One of the biggest mistakes in a high-price environment is letting your cash sit in a traditional account with near-zero interest. When prices go up, the purchasing power of idle money goes down.
Through Maya’s digital banking features, users can earn up to 15% interest p.a. on their savings just by using the app for everyday transactions. For those who need more structure, Maya’s Time Deposit Plus allows you to lock in funds for 3, 6, or 12 months with rates reaching up to 6% p.a., ensuring your savings grow faster than inflation.
Building a “just in case” buffer
Unexpected expenses feel a lot heavier when your budget is already tight. Maya suggests setting aside small amounts into goal-based savings, like Maya Personal Goals. You can set up to five targets—like an emergency fund or a travel fund—and earn up to 8% interest p.a. as your balance builds.
For temporary cash flow gaps, Maya Easy Credit offers a revolving line of up to ₱50,000. It acts as a bridge for short-term needs, payable in 30 days, so you don’t have to dip into your long-term savings when a sudden bill arrives.
Small tweaks, big impact
Surviving rising prices doesn’t require overhauling your entire life. It’s about awareness and choosing the right platform. By automating your savings interest and maximizing cashback on the things you already buy, you can stay on track even when the world around you gets more expensive.
For more details on how to maximize your 4.4 summer savings, visit maya.ph/MayaFuelCashback2026.
