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Already have a AYA Credit Card? Select your card below to review the features and benefits available for you.
Interested in a new Secured Credit Card?
AYA's innovation product, the "Secured Credit Card" is designed to help customers who wants or needs a credit card withour having to go through complex paperwork process. As opposed to applying a normal credit card, where proof of income or a guarantor is a prerequisite.
Make great use of your deposit balance in your fixed deposit account by applying secured credit card.
Validity is 5 years.
It can be cancelled when the attached Fixed Deposit Account is closed or when a secured account is closed. In good standing, the deposit will be returned.
Global Acceptance
Accepted by millions of merchants and ATMs globally.
Share your credits
Apply supplementary cards and enjoy privilege offered to the spouse, parents, or children of the primary credit cardholder. Your card can link up to 4 supplementary cards.
PayWave
For Visa Card holder, just payWave to spend less time at sales counter, the latest in secure contactless technology.
No Initial Deposit
No collateral Deposit required for AYA Visa and AYA-JCB Credit Card.
Low Interest Rate
Spend up to your available credit limit on your Credit Card and enjoy fixed interest rate from as low as 1.33% minimum per month.
50 Days Interest free
Enjoy up to a maximum of 50 days interest-free repayment period of AYA Credit Card.
Deals and Discounts
Shop around the world and get awesome deals, enjoy many benefits and privileges.
Three different account tiers (Silver, Gold, Platinum) are available in respect to the Fixed Deposit Amount.
Credit Limits
The credit limit on your credit card is the maximum amount that can be borrowed on a credit card. It is determined based on various factors including your income.
Bill Payment
Register for AYA internet Banking & mobile Banking services to settle your credit card bills from your AYA Bank accounts easily and securely, 24/7.
E-statements
Receive monthly statements via designated email in the most convenient, secure, and eco-friendly way at the end of the month.
Cash Payment
Alternately, Pay your Credit Card bill with cash at any of AYA Bank Branches during business hours.
Credit Limit
The credit limit of a credit card is the maximum limit (2 Fix Deposit account can be combined) that can be borrowed. It can be up to 80% of your Fixed Deposit Amount.
50 Days Interest free
Enjoy up to a maximum of 50 days interest-free repayment period of AYA Credit Card.
Low Interest Rate
Spend up to your available credit limit on your Credit Card and enjoy fixed interest rate from as low as 10% per annum.
Silver | Gold | Platinum | ||
---|---|---|---|---|
Visa Credit Card | Principal Card | 20,000 MMK | 60,000 MMK | 120,000 MMK |
Supplementary Card | 9,000 MMK | 25,000 MMK | 60,000 MMK | |
JCB Credit Card | Principal Card | 30,000 MMK | 60,000 MMK | 100,000 MMK |
Supplementary Card | 15,000 MMK | 30,000 MMK | 50,000 MMK |
Silver | ||||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Visa Credit Card | Principal Card | 20,000 MMK | ||||||||||||||||||||
Supplementary Card | 9,000 MMK | |||||||||||||||||||||
JCB Credit Card | Principal Card | 30,000 MMK | ||||||||||||||||||||
Supplementary Card | 15,000 MMK |
Gold | ||||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Visa Credit Card | Principal Card | 60,000 MMK | ||||||||||||||||||||
Supplementary Card | 25,000 MMK | |||||||||||||||||||||
JCB Credit Card | Principal Card | 60,000 MMK | ||||||||||||||||||||
Supplementary Card | 30,000 MMK |
Platinum | ||
---|---|---|
Visa Credit Card | Principal Card | 120,000 MMK |
Supplementary Card | 60,000 MMK | |
JCB Credit Card | Principal Card | 100,000 MMK |
Supplementary Card | 50,000 MMK |
Enjoy free issuing card fees for Secured Credit Card holder. Click here to learn other fees and charges
Retail Interest
12% Per Annum
Penalty Fee
1% will be charge if full payment is not received by due date
Late Fee
2% will be charge if minimum payment has not been made by due date
Balance Enquiry Fee
Free
PIN Reset/ Reissue Fee
1,000 MMK
Card Reissue/ Renew Fees
10,000 MMK
Cash Withdraw Transactions Fees(Domestic - AYA ATM)
6% of withdrawal amount (Per Transaction)
(Minimum charges for each transaction is MMK 1,000)
Cash Withdraw Transactions Fees (Domestic - Other Bank ATM)
6% + Other Bank Charges (Per Transaction)
(Minimum charges for each transaction is MMK 1,000)
Cash Withdraw Transactions Fees (International)
6% + Oversea Bank Charges (Per Transaction)
(Minimum charges for each transaction is MMK 1,000)
IPP Interest
12% Per Annum
Card Early Termination / Cancellation Fee
Free
International Transaction Fees
Fees: 18% to 30%
Currency Conversion Fees: 15% to 50%
Mark Up: 15% to 50%
PIN Reset/ Reissue Fee
1,000 MMK
POS Transactions Fees
Free
Online Transaction Fees
Free
Enjoy free issuing card fees for both Principal and Supplementary Card holder. Click here to learn other fees and charges
Retail Interest
1.33% per month if full payment is not made by payment due date
(16% Per Annum)
IPP Interest
12% Per Annum
Penalty Fee
1% will be charge if full payment is not received by due date
Late Fee
2% will be charge if minimum payment has not been made by due date
Over Limit Fee
3% will be charge if over limit amount due
Collection Letter Fee
1,500 MMK (No payment for 90/120/150 days from billing date)
Legal Noice Fee
30,000 MMK (No payment for 180 days and above from billing date)
Card Lost/Damage/Reissue Fees
10,000 MMK
Card Early Termination / Cancellation Fee
Free
PIN Reissue Fee
1,000 MMK
Cash Withdraw Transactions Fees (Domestic - AYA ATM)
6% of withdrawal amount (Per Transaction)
(Minimum charges for each transaction is MMK 1,000)
Cash Withdraw Transactions Fees (Domestic - Other Bank ATM)
6% + Other Bank Charges (Per Transaction)
(Minimum charges for each transaction is MMK 1,000)
Cash Withdraw Transactions Fees (International)
Withdrawal Fee: 10 % + Oversea Bank Charges (Per Transaction )
Balance Inquiry
Free
Statement Reprint Fee
Free
Service Charges for Wallet Cash In
3 % + Related Wallet Cash In Fees (Per Transaction)
International Transaction Fees
Fees: 18% to 30%
Currency Conversion Fees: 15% to 50%
Mark Up: 15% to 50%
* Note: Cross currency mark-up fees will be applied for foreign transactions
Card Validity
5 Years
Currency
MMK
Card Activation
AYA Bank Branches/ AYA Call Center
Withdrawal Limit
20% of Credit Limit
Over Limit
10% of Credit Limit
Transaction Limit
Domestic Transaction - 5,000,000 MMK per day
International Transaction – 2,500,000 MMK per month
Other Fees
Service Charges/ Fees will be inclusive based on the transaction types including refunds and reversal transactions.
* Note: Cross currency mark-up fees will be applied for foreign transactions
Visit any of our branches for application and submit with required documents. Bank will notify on your credit card approval and for card collection.Please take a moment to review below eligibility criteria as well as documents required for preparation of application process. Check the full list of documents required
EMPLOYEE
Eligibility
Income Proof
Personal Documentation
Guarantor Documentation
Requirement Document for (2) person of guarantor
SELF EMPLOYED
Eligibility
Income Proof
Personal Documentation
Guarantor Documentation
Requirement Document for (2) person of guarantor
SUPPLEMENTARY CARD APPLICANT
Eligibility
Income Proof
Personal Documentation
Notes: One guarantor will be required for existing customers banking with us for more than 3 months. For new customers, two guarantors need to be provided.
Requested documents are non-returnable and additional documents may be requested during processing, if needed. Approval is subject to the Bank’s discretion and the Bank reserves the right not to disclose the reason if your application is declined.
NRC Copy
Passport Photo
Original Fixed Deposit Certificate (Can combine up to 2 certificates)
One Savings Deposit Account with AYA Internet Banking/Mobile Banking
AYA Bank will only accept and agree to issue a secured credit card once it has received all necessary documentation and its internal checks have been completed to its satisfaction. AYA Bank reserves the right to reject an application. Terms and Conditions apply.
A credit card is a card issued by bank which enables the cardholder to borrow funds for payment of goods and services. Issuance of credit cards has the condition that the cardholder will pay back the original, borrowed amount plus any additional agreed-upon charges.
A secured credit card is a card that is backed by a deposit used as collateral on the account. Unsecured credit cards do not require a security deposit but it is based on regular income and credit history.
You need to have regular monthly income of Two hundred and fifty thousand Kyats to apply for Silver Card, Five hundred thousandsKyats to apply for Gold Card, and Two million Kyats for Platinum Card.
AYA Bank Credit Card can be used in both domestic and oversea, including online and shops where POS machines are available. It can also be used to withdraw cash at ATMs up to 30% of your credit card limit. 6% of withdraw amount will be charged for service fees.
Your Credit Limit is determined based on your monthly income and other factors. Credit term is allowed up to 50 days from the billing cycle. Enjoy up to a maximum of 50 days interest-free repayment period of AYA Credit Card.
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