August 12, 2022


AYA Credit Card is an MPU payment card – a convenient way of borrowing money to make payment for goods and services in stores or online. We offer three (3) types of MPU credit cards with tailored privileges and benefits – Silver, Gold and Platinum. You can make purchases in stores, restaurants, service providers and online services. Furthermore pay with your Credit Card to save money on purchases with fantastic deals and discounts from stores in partnership with us. MPU logo or sticker is usually displayed in stores or online payment that accepts MPU (Myanmar Payment Union).

MPU Silver

MPU Gold

MPU Platinum

Incredible credit loan

Your credit limit can be up to your monthly income.

Simply apply for Free

No issuing fee is charged to apply for the AYA credit cards.

No Initial deposit required

You do not need to pay a deposit. Simply provide your income information to apply.

Interest Free Period

Enjoy 50 days interest free period

Lowest Interest Rate

We offer low interest rate of 1.33% minimum per month.

Fantastic Deals & Discounts

Shop online and offline and get deals & discounts from partner merchants’ store.

Share your credits

Share your card’s credit limit and benefits with your immediate family members by applying for supplementary cards. Your card can link up to 4 supplementary cards.

Electronic Statement

Receive your statement via email in the most convenient, secure and eco-friendly way at the end of the month.

Bill Payment

Pay your Credit Card bill at any AYA Branches or anywhere, anytime through your AYA i-Banking and m-Banking account.

  1. You can apply for AYA MPU Credit Card (AYA MPU) at any of our branches.
  2. Fill in the application form and submit with required documents as mentioned below.

Required Documents

APPLICANTSELIGIBILITYINCOME PROOFPersonal DocumentationGuarantor Documentation
Employee• Age 21 years and above
Citizen/PR of Myanmar
• Letter of Employment
• Staff ID Card (Optional)
• Salary Pay Slip (Latest 3 Months)
• Bank Statement (Latest 3 Months)
• NRC Copy
• Household List Copy
• 1 Photo
• NRC Copy
• Household List Copy
• 1 Photo
Self Employed• Age 21 years and above
• Citizen/PR of Myanmar
• Bank Statement (Latest 3 Months)

• Business License / DICA
• NRC Copy
• Household List Copy
• 1 Photo
• NRC Copy
• Household List Copy
• 1 Photo
Supplementary card applicant• Age 16 years and above
• Citizen/PR of Myanmar
Not Applicable• NRC Copy
Annual FeesSilver GoldPlatinum
Principal Card30,000 MMK60,000 MMK100,000 MMK
Supplementary Card15,000 MMK30,000 MMK50,000 MMK
Retail Interest1.33% per month if full payment is not received by due date
(16% Per Annum)
IPP Interest12% Per Annum
Penalty Fee1% will be charged if full payment is not received by due date
Late Fee2% will be charged if minimum payment is not received by due date
Over Limit Fee3% will be charged if over limit amount due
Collection Letter Fee1,500 MMK (No payment for 90/120/150 days from billing date)
Legal Notice Fee30,000 MMK (No payment for 180 days and above from billing date)
Card Lost/Damage/Reissue Fees10,000 MMK
PIN Reissue Fee1,000 MMK
POS Transactions FeesFree
Online Transaction FeesFree
Cash Withdraw Transactions Fees
(Domestic - AYA ATM)
6% of withdrawal amount
(Minimum charges for each transaction is MMK 1,000)
Cash Withdraw Transactions Fees
(Domestic - Other Bank ATM)
6% + Other Bank Charges (Per Transaction)
Balance InquiryFree
Statement Reprint FeeFree
Card Validity 3 years
Card ActivationAYA Bank Branches
Withdrawal Limit30% of Credit Limit
POS Withdrawal LimitDomestic Transaction - 5,000,000 MMK Per day
Over Limit10% of Credit Limit
E-statements We will send monthly statement of your credit card account to your designated email address at the end of the month. The e-statement will list transactions you have made and the total amount due for payment.
i-Banking & m-Banking Register for AYA i-Banking & m-Banking services, to settle your credit card bills by transferring money from your AYA Bank accounts 24/7, easily and securely.
Cash payment You can settle your Credit Card with cash by visiting any AYA Bank’s branches during business hours. Cash payment can be made over the counter at our branches.