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JCB is an international payment brand from Japan. You can use your AYA UNIVERSAL Credit Card (MPU-JCB Co-Brand) in more than 190 countries including Myanmar.
AYA UNIVERSAL Credit Card (MPU-JCB Co-Brand) is a convenient way of borrowing money to pay for goods and services. Using your AYA UNIVERSAL Credit Card (MPU-JCB Co-Brand), you can make your purchases in stores, restaurants, service providers, and online services from around the world which accept either MPU or JCB payment method. No initial deposit required to get the cards. Simply apply for free now.
Platinum
- Minimum monthly income of Ks 2,000,000
- Credit Limit up to 3.5 times of Your monthly income
- Premium deals and offers
Gold
- Minimum monthly income of Ks 500,000
- Credit Limit up to 3.5 times of Your monthly income
Silver
- Minimum monthly income of Ks 150,000
- Credit Limit up to 3.5 times of Your monthly income
Incredible credit loan
The loan amount of your credit card can be 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
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
It offers low interest rate of 1.33% minimum per month.
Fantastic Deals & Discounts
Shop around the world and awesome get deals & discounts.
Special Offers around the World
Receive preferential treatment worldwide such us travel discounts and airport lounge services.
Global Acceptance
Accepted by 32 millions of Merchants, ATMs, 101 millions of cardmembers globally in more than 190 countries.
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
Received 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 UNIVERSAL Credit Card (MPU-JCB Co-Brand) at any of our branches.
- Fill in the application form and submit with required documents as mentioned below.
- We will email you to notify on your credit approval and for card collection.
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 made by payment due date (16% Per Annum) |
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| 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 Notice 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 | ||
| International Transaction Fees | Fees 25% ~ 50% (Note * Fees are subject to change without prior notice) |
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| Other Fees | Service Charges/ Fees will be inclusive based on the transaction types including refunds and reversal transactions. | ||
| 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% + Off Us ATM Access Fee of withdrawal amount (Per Transaction) (Minimum charges for each transaction is MMK 1,000) |
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| Cash Withdraw Transactions Fees (International) | 6% + Oversea Bank Charges of withdrawal amount (Per Transaction) (Minimum charges for each transaction is MMK 1,000) |
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| Balance Inquiry | Free | ||
| Statement Reprint Fee | Free | ||
Note: Cross currency mark-up fees will be applied for foreign transactions |
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| 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 International Transaction - Up To Avaliable Amount Per day |
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| Over Limit | 10% of Credit Limit | ||
| 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. | |
| ibanking & mbanking | 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 Branches during business hours. Cash payment can be made at AYA Bank Branches. |