Promo duration is from Oct. 1-31,2024 as approved by DTI FTEB
This promo is open to all NEW Maya users and Existing Maya Users where each are defined as:
1. New Maya users- those who created & registered their account from Oct.1-31, 2024
2. Existing Maya users- those who have created & registered their account prior to Oct.1, 2024.
  Example: User creates & registers their Maya account on Oct. 1, 2024. They are only considered as a NEW Maya User until Oct. 31, 2024. They will be considered as an existing user beyond Oct. 31, 2024.

New Maya Users

Qualified New Maya users who are Maya Savings accountholders can enjoy a base interest rate of 3.5% p.a. on balances up to P5M, and increase their interest rate further based on the requirement per tier below:

If a Maya Savings accountholder who just opened a Savings account did not complete any of the transactions above on the Maya Wallet, he/she will still be enjoying a 3.5% interest rate p.a. on his/her Maya Savings account.

Please see sample scenario below:

Existing Maya Users

Qualified Existing Maya users who are Maya Savings accountholders can enjoy a base interest rate of 3.5% a. on balances up to P5M, and increase their interest rate further based on the requirement per tier below:

Please see sample scenario below:

In case of (including but not limited to) user-triggered mobile number change, the total amount of qualified accumulated transactions will be reset to zero (Php 0) and the user has to transact at least Php 250 to Php35,250 with fund source Maya Wallet, and Php 3,000 with fund source from Maya Credit, worth of qualified transactions again to qualify for the promo.
Maya Credit transactions made via QR, Pay with Maya, or at the Maya Shop are the only qualified transactions considered for the +1% Php 3,000 spend via Maya Credit.
Accountholder will see on the Savings dashboard their qualification duration for bonus interest rate they are qualified for Maya Savings on the same day of their successful transaction.
An accountholder who qualified within a certain month, will get their bonus interest rate until the last day of the same qualifying month as illustrated below:

Accountholder will be able to see their qualification duration for the bonus interest rate on the Savings dashboard or on the Missions screen

Note: Make sure your app is updated to the latest version so you can track your boosted interest. You can check your Missions anytime to see your progress. For some users, you won't immediately see your Savings interest screen but your bonus interest will still be credited to your account every day after making a qualified transaction.
Your base interest rate and bonus interest rate will be reflected on your transaction history the next day as follows:

Note: Users who have an active boost until last day of the month, will receive their final boosted interest on the first day of the following month.
For an updated table of our interest rates, check our Maya Savings Terms and Conditions
Bills pay transactions made to the following billers are excluded from the promo:
1. “Donation” category billers
2. “Payment Solutions” category billers
3. COL Financial
4. Oriental Assurance Inc
5. Maya Bank / PayMaya Lending Corporation / Maya PayLater
6. Purchase Plus Installment Credit
7. Davao Light and Power Corporation
8. Subic Enerzone Corporation
9. Visayan Electric Company (VECO)
10. Holy Cross Coop
11. 1Sari Financing Corporation
12. AFMPBAI
13. DMCI Homes
14. EVY Developers
15. Jose Rizal University
QR transactions made at the following merchants are excluded from the promo:
1. Maya Business App (formerly called PayMaya Negosyo) merchants
2. “Donation” category merchants
3. “Gambling” category merchants
Maya users with merchant accounts and those under Maya Negosyo and Maya Business Manager (formerly PayMaya Business Manager or PBM) are disqualified from participating in this promo.
Maya payments (Maya number, Maya QR or Maya card) made to Maya Negosyo and Maya Business Manager merchants or sub-merchants are not qualified for the promo.
Maya card (Visa or Mastercard) payments made to the following merchant categories will be excluded from the promo:
1. Financial institutions – 6051
2. Schools – 8220
3. Gambling – 7995
4. Donations/Foundations - 8651, 8661, 8669, 8398
5. Billers – 4900
Payments made to or purchases of cash equivalent instruments, financial institutions, financial assets, insurances, ATM withdrawals, gambling/gaming chips, and other quasi cash transactions are also not qualified for the promo.
Maya payments (Maya number, Maya QR or Maya card) or transactions made to merchants within the crypto space are not qualified for the (e.g PDAX cash-in, other VASPs to be enabled where Maya payments are accepted, etc.)
Videos and photos of participants may be used only for promotional ads related to this
Only Consumer accounts are qualified for this Maya users with Maya merchant accounts and Maya Center agents are disqualified from participating in this promo.
Maya users with duplicate accounts or who are blacklisted cannot participate in this Maya reserves the right to cancel or withdraw the prize or benefit if proven to be a duplicate account or participant is blacklisted.
In case of disputes regarding accountholder's eligibility for the promo, coverage of dates, fulfillment, Maya's decision shall prevail, in concurrence with DTI.
The customer must notify Maya for any complaints regarding the promo. The decision of Maya on the complaint with concurrence of DTI-FTEB shall be considered final. For clarifications and complaints relative to this promo, visit our Help Center. Go to your Profile on the Maya app and select 'Get help.'
Qualified users with uncredited interest rate and/or corresponding interest amount can expect crediting of missing interest rate and/or interest amount at least 14 to 30 days after the promo period ends.

Maya Philippines Inc. & Maya Bank, Inc. is regulated by Bangko Sentral ng Pilipinas (BSP) www.bsp.gov.ph. Deposits are insured by PDIC up to P500,000 per depositor.

DTI Fair Trade Permit No. FTEB-199233 Series of 2024

Deals highlights

Earn a raffle entry by spending at least ₱1,500 at participating SM Malls using the following payment methods:
- Maya QR
- Maya Debit Card
- Maya Easy Credit
- Maya Black Credit Card
- Maya Landers Credit Card
Register your Official Receipt in the SM online portal to qualify as a raffle entry for the promo
A total of 8 winners of ₱200,000 each will be drawn from September - December 2025
2 qualifying customers (1 SM Retail customer, 1 non-SM customer) will be drawn every month and will be rewarded ₱200,000 credited to their Maya account

Eligibility

Upgraded Maya users who have at least ₱1,500 spend transactions using Maya QR, Maya Debit Card, Maya Easy Credit, Maya Black Credit Card, Maya Landers Credit Card in all participating SM malls

Mechanics

Promo period is from September 1 – December 31, 2025.
This promo is open to all new and existing upgraded Maya consumer accountholders that are currently residing in the Philippines, who have at least ₱1,500 spend transactions using Maya QR, Maya Debit Card, Maya Easy Credit, Maya Black Credit Card, Maya Landers Credit Card in participating SM malls

Spend transactions in the following SM malls are eligible:

PARTICIPATING MALLS
SM MALL OF ASIA	SM CITY CLARK	SM CITY SANTA MESA	SM CITY ILOILO
SM CITY NORTH EDSA	SM CITY EAST ORTIGAS	SM CITY BICUTAN	SM CITY BALIWAG
SM CITY BATANGAS	SM CITY DASMARIÑAS	SM CITY TELABASTAGAN	SM CITY BACOLOD
SM MEGAMALL	SM CITY FAIRVIEW	SM CITY MOLINO	SM CITY SAN JOSE DEL MONTE
SM AURA PREMIER	SM CITY BAGUIO	SM CENTER LEGAZPI	SM CITY CALAMBA
SM SAN LAZARO	SM CITY BACOOR	SM J MALL	SM CITY BATAAN
SM SEASIDE CITY CEBU	SM CITY SANTO TOMAS	SM CITY SUCAT	SM CDO DOWNTOWN PREMIER
SM CITY MARIKINA	SM CITY LIPA	SM CITY CABANATUAN	SM CITY SAN PABLO
SM LANANG PREMIER	SM CITY MANILA	PODIUM	SM CITY SAN MATEO
SM SOUTHMALL	SM CITY PAMPANGA	S MAISON	SM CITY SANTA ROSA

SM shoppers will earn one (1) raffle entry when they shop at least ₱1,500 in the 40 participating SM Malls, in stores such as but not limited to:

SM Store	Miniso
Ace Hardware	Innisfree
Sports Central	Surplus
The Body Shop	Pet Express
Toy Kingdom	Dyson
Crate & Barrel	Ecco
Our Home	Kultura
Forever 21	Levi’s
Baby Co	Simply Shoes
Crocs	Watsons
SM Hypermarket
All mall tenants in the 40 participating malls

User must follow these steps to register their raffle entries:
1. Scan QR code from announcement and enter their contact type, credentials, and fill out the raffle form
2. In the same portal, upload photo of tape receipt or e-receipt
User will be notified via submitted contact type on their submitted raffle entry.
Users can earn multiple raffle entries during the promo period and only after the necessary transactions are validated by SM.

There will be a total of eight (8) winners during the promo duration:

Qualifying Period	Winners	Rewards
September 1-30, 2025	1 winner from SM Retail 1 winner from any mall tenant	₱200,000 each in Maya credits (tax inc.)
October 1-31, 2025	1 winner from SM Retail 1 winner from any mall tenant	₱200,000 each in Maya credits (taxinc.)
November 1-30, 2025	1 winner from SM Retail 1 winner from any mall tenant	₱200,000 each in Maya credits (tax inc.)
December 1-31, 2025	1 winner from SM Retail 1 winner from any mall tenant	₱200,000 each in Maya credits (tax inc.)

Cash prize is inclusive of 20% prize tax.

Deadline of submission for each qualifying period.

Qualifying Period	Deadline	Time
September 1-30, 2025	September 30, 2025	11:59PM
October 1-31, 2025	October 31, 2025	11:59PM
November 1-30, 2025	November 30, 2025	11:59PM
December 1-31, 2025	December 31, 2025	11:59PM

A Maya user can only win once during the promo.
This promo is applicable to unique and valid Maya consumer accounts only. Multiple transactions/payments made from the same device using different mobile numbers will not be considered valid.
SM Supermalls and Maya reserves the right to verify the eligibility of the drawn entries.

The electronic raffle draws, which will be with the participation of a DTI representative, and announcement of winners through SM Supermalls and Maya’s social media account/s are based on the following schedule:

Date	Qualifying Period	Raffle Draw	Announcement of Winners
September Raffle Entries	September 1-30, 2025	October 6, 2025	On or before October 20, 2025
October Raffle Entries	October 1-31, 2025	November 6, 2025	On or before November 21, 2025
November Raffle Entries	November 1-30, 2025	December 4, 2025	December 19, 2025
December Raffle Entries	December 1-31, 2025	January 8, 2025	January 23, 2025

The names of all the winners will be announced on the Official SM Supermalls and Maya Facebook page.
SM Supermalls will reach out to the winner/s within seven (7) business days after the announcement has been made on social media.
Raffle prize will be credited to the winners’ Maya wallet.
An SM Supermalls representative shall get in touch with the winner/s to verify their identity and to give further instructions on prize redemption.
Winners will be required to show 2 government IDs and signed waiver form to be able to claim their prize.
Any reward credited to the qualified user shall be deemed final unless the customer notifies SM Supermalls and Maya of any mistake in crediting, such as, but not limited to: incorrect reward credited or uncredited reward, within sixty (60) days from notification.
SM Supermalls and Maya reserves the right to withdraw rewards or prizes if one person has already received the prize or benefit beyond the maximum reward, even if it has already been issued.
Promo can be used in conjunction with other ongoing raffle promos of Maya.
SM Supermalls, Maya, and Voyager Innovations employees and their relatives up to the 2nd degree of consanguinity or affinity are disqualified from joining the promo.
Failure to comply with any of the requirements or the terms and conditions herein, will have the winners forfeit their winnings with prior approval from the DTI-FTEB.
Maya users with merchant accounts and those under Maya Business App (formerly PayMaya Negosyo) are disqualified from participating in this promo.
Should the qualified transaction be cancelled or declined, whether the cancellation is customer- or biller-initiated, SM Supermalls and Maya reserves the right to withdraw the rewards equivalent to the cancelled payment transaction, even if the cashback has already been credited.
SM Supermalls and Maya reserves the right to debit any points/cash reward credited from user’s balance. If user’s balance is insufficient to cover the amount to be withdrawn at the time of withdrawal, SM and Maya reserves the right to debit the balance not withdrawn when user’s balance is sufficient.
SM Supermalls and Maya reserves the right to refuse the awarding of rewards to accounts that are proven to be invalid or fraudulent or a result of gaming (i.e., abuse of system or weakness in the promo to win prizes or receive benefits).
SM Supermalls and Maya users with duplicate accounts or who are blacklisted cannot participate in this promo. SM Supermalls and Maya reserves the right to cancel or withdraw the prize or benefit if proven to be a duplicate account or the participant is blacklisted.
Maya users who have exceeded their aggregate limits may not receive their reward on time. The reward can only be credited the following month or once a user’s account balance is once again within the allowable limits – ₱50,000 for starter accounts and ₱100,000 for upgraded accounts
The customer must notify SM Supermalls and/or Maya of any complaints regarding the promo. The decision of SM Supermalls and/ or Maya on the complaint with concurrence of DTI-FTEB shall be considered final. For clarifications and complaints relative to this promo, please call (+632) 8845-7788 or email support@maya.ph. Maya Philippines is regulated by Bangko Sentral ng Pilipinas.