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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.
- You can apply for AYA MPU Credit Card (AYA MPU) at any of our branches.
- Fill in the application form and submit with required documents as mentioned below.
Required Documents
| APPLICANTS | ELIGIBILITY | INCOME PROOF | Personal Documentation | Guarantor Documentation |
|---|---|---|---|---|
| Employee | • Age 21 years and above Citizen/PR of Myanmar | • Letter of Employment • Staff ID Card (Optional) • Salary Pay Slip (Latest 3 Months) OR • 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 |
| FEES AND CHARGES | |||
|---|---|---|---|
| Annual Fees | Silver | Gold | Platinum |
| Principal Card | 30,000 MMK | 60,000 MMK | 100,000 MMK |
| Supplementary Card | 15,000 MMK | 30,000 MMK | 50,000 MMK |
| Retail Interest | 1.33% per month if full payment is not received by due date (16% Per Annum) |
||
| IPP Interest | 12% Per Annum | ||
| Penalty Fee | 1% will be charged if full payment is not received by due date | ||
| Late Fee | 2% will be charged if minimum payment is not received by due date | ||
| Over Limit Fee | 3% will be charged if over limit amount due | ||
| Collection Letter Fee | 1,500 MMK (No payment for 90/120/150 days from billing date) | ||
| Legal Notice Fee | 30,000 MMK (No payment for 180 days and above from billing date) | ||
| Card Lost/Damage/Reissue Fees | 10,000 MMK | ||
| PIN Reissue Fee | 1,000 MMK | ||
| POS Transactions Fees | Free | ||
| Online Transaction Fees | Free | ||
| Cash Withdraw Transactions Fees (Domestic - AYA ATM) | 6% of withdrawal amount (Minimum charges for each transaction is MMK 1,000) |
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| Cash Withdraw Transactions Fees (Domestic - Other Bank ATM) | 6% + Other Bank Charges (Per Transaction) | ||
| Balance Inquiry | Free | ||
| Statement Reprint Fee | Free | ||
| FEATURES | |||
| Card Validity | 3 years | ||
| Currency | MMK | ||
| Card Activation | AYA Bank Branches | ||
| Withdrawal Limit | 30% of Credit Limit | ||
| POS Withdrawal Limit | Domestic Transaction - 5,000,000 MMK Per day | ||
| Over Limit | 10% 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. |