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HOME DIGITAL SERVICES CARD SERVICES CREDIT CARD
Already have a AYA Credit Card? Select your card below to review the features and benefits available for you.
Smile with your Secured Credit Card.
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 without 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.
Benefits
Features
Three different account tiers (Silver, Gold, Platinum) are available in respect to the Fixed Deposit Amount.
Sign on to a world of Exclusive Privileges.
AYA VISA Signature Credit Card delivers a well-rounded experience designed for those who expect more from their financial services.
Enjoy benefits that extend beyond everyday banking, ranging from travel comforts to a luxurious lifestyle.
With premium privileges such as higher credit limits, exclusive travel and lifestyle perks, enhanced protections, and exceptional rewards, the AYA VISA Signature Credit Card is designed for customers who value convenience, security, and luxury.
Eligibility
AYA Fixed Deposit Customers - Deposit amount between 1B and 5B, Fixed Deposit above 1 year.
AYA Loan Customers with Good LTV Ratio - Loan amount between 1B and 10B, loan term above 1 year, loan status must have a “standard”.
AYA Hire Purchase Dealers - Above 3 years of partnership as an AYA dealer and having sold (30) or more cars.
AYA Pay, AYA POS Merchants with High Volume Transaction - Monthly sales volume above 300 M, 6 months of relationship as AYA merchant.
AYA Credit Cardholders with good repayment history - Within 1 year, it must be used up to 50 M of credit limit, no ageing.
The person must be
Permanent Resident or Citizen of Myanmar (Who holds NRC)
Age 21 years and above for principal card applicant
Age 16 years and above for supplementary card applicant
Required Documents (For Principal Card Applicant)
Basic Personal Documents
- NRC Copy
- Household Member List Copy
- Original Testimonial Letter from Ward Administration Office
- 1 Photo
Income Documents
Salaried Staff
- Employment Confirmation Letter
- Staff ID Card
- Employment Confirmation Letter
- Salary Slip (Last 3 months)
- Bank Statement (Last 3 months)
- Tax Slip (Salary above MMK 500,000)
Self Employed
- Bank Statement (Last 3 months)
- Company Income Statement (Last 1 year)
- Business License
Salaried Staff
- Employment Confirmation Letter
- Staff ID Card
- Employment Confirmation Letter
- Salary Slip (Last 3 months)
- Bank Statement (Last 3 months)
- Tax Slip (Salary above MMK 500,000)
Self Employed
- Bank Statement (Last 3 months)
- Company Income Statement (Last 1 year)
- Business License
Guarantor Documents (2 Persons)
- NRC Copy
- Household Member List Copy
- Proof of Income document
- Evidence on Occupation
- 1 Photo
Required Documents (For Supplementary Card Applicant)
- NRC Copy
Manage Your Card
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 & AYA 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.
Annual Fees
Fees and Charges
Enjoy free issuing card fees for Secured Credit Card holder. Click here to learn other fees and charges
Fees and Charges
Enjoy free issuing card fees for both Principal and Supplementary Card holder. Click here to learn other fees and charges
Card Features
How to Apply
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
Requirements for Application
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.
Fees and Charges
Enjoy free issuing card fees for Secured Credit Card holder. Click here to learn other fees and charges
Card Features
FAQs
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.