Credit Card

June 7, 2019

Credit Card

AYA Credit Card is a convenient way of borrowing money to pay for goods and services.
Using your credit card, you can make your purchases in stores, restaurants, service providers, and online services.
No initial deposit required to get the cards. Simply apply for free now.

• Minimum monthly income of Ks. 2,000,000
• Credit Limit up to 3.5 times of your monthly income
• Premium deals and offers


• Minimum monthly income of Ks. 500,000
• Credit Limit up to 3.5 times of your monthly income


• Minimum monthly income of Ks. 150,000
• Credit Limit up to 3.5 times of your monthly income

Simply apply for Free

There are no issuing fees to apply for the AYA credit cards.

No Initial deposit required

There is no need to install deposit. Simply provide your income information to apply.

Interest Free Period – up to 50 days

Enjoy interest free spending for up to 50 days with our interest free period.

Incredible credit loan

The loan amount of your credit card can be up to 3.5 times of your monthly income.

Lowest Interest Rate

1.08% per month

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.

Fantastic Deals & Discounts

Pay with your Credit Card to save money on purchases with our fantastic deals and discounts from stores in partnership with us.

E-statements
We will send your monthly statements of your credit card account to your designated email address at the end of the month. The e-statement lists transactions made and the total amount due for payment.

Internet Banking & Mobile Banking
Register for AYA i-Banking & Mobile Banking services, to settle your credit card bills by transferring money from your AYA Bank accounts easily and securely, 24/7.

Cash Payment
You can also settle your Credit Card account with cash at any AYA’s Branch during business hours. Cash payment can be made at AYA Bank Branches and selected retail stores.
Interest-free periodUp to 50 days interest free period.
Interest on purchases
(Finance Charge)
1.08% per month if full payment is not made by payment due date.
Over limit feeCharge of 3% on over limit amount due.
Late fee2% on outstanding balance if minimum payment has not been made by due date.
Penalty feeCharge of 1% incurs if the full payment is not received by due date.
PIN replacement feeKs. 1,000 processing fee will incur to reset your 6 digit PIN.
Lost/stolen card replacement feeKs.30,000 processing fee will incur in case of lost/stolen cards.
Liability for Lost/Stolen CardIn case the credit card gets lost or stolen, the cardholder must immediately notify the bank. Please call us at 099420055582 or visit the nearest branch.
Annual Card Fees
Main Card SilverGoldPlatinum
Ks. 30,000Ks. 60,000Ks. 100,000
Supplementary CardKs. 15,000Ks. 30,000Ks. 50,000

1.You can apply for AYA Credit Card at any of our branches.

2.Fill in the application form and submit with required documents as mentioned below.

3.We will email you to notify on your credit approval and for card collection.

Required Documents

ApplicantsEligibilityIncome ProofIdentity Verification
Employee• 21 Years of Age
• Citizen/PR of Myanmar
• Letter of Employment
• Salary Pay Slip (past three months)
• Bank Statement (past three months)
• Two Guarantor’s recommendation
• Minimum Salary 150,000
• Photocopy of NRC OR Passport
• Township Recommendation letter
• Police clearance letter
• Household List
• Passport photo 2 pcs
• Photocopy of two Guarantors’ NRC
Self Employed• 21 Years of Age
• Citizen/PR of Myanmar
• Company Financial Statements
• Bank Statement
• Business License/Contract
• Interest income
• Other source of income
• Two Guarantor’s recommendation
Retire• 21 Years of Age
• Citizen/PR of Myanmar
• Lease agreement
• Bank Statement
• Pension Book
• Interest Income Evidence
• Two Guarantor’s recommendation
Supplementary Card Applicant• 16 years of Age
• Citizen/PR of Myanmar
Not ApplicablePhotocopy of NRC (front and back) OR Passport