JCB Credit Card

January 24, 2018

JCB Credit Card

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.

Platinum2

Platinum

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

Gold1

Gold

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

Silver1

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.

  1. You can apply for AYA UNIVERSAL Credit Card (MPU-JCB Co-Brand) 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 PROOFPersonal DocumentationGuarantor Documentation
Employee• 21 years of age
• Citizen/PR of Myanmar
• Letter of Employment
• Staff ID Card
• Salary Pay Slip (Latest 3 Months)
• Bank Statement (Latest 3 Months)
• Tax Slip (Salary above 5 lakhs)
• NRC Copy
• House Hold List Copy
• 1 Photo
• Ward Endosement
Requeirement Document for (2) person of guarantor
• NRC Copy
• House Hold List Copy
• Income Evidence
• Occupation Evidence
• 1 Photo
Self Employed• 21 years of age
• Citizen/PR of Myanmar
• Bank Statement (Latest 3 Months)
• Company Income Statement (Latest 1 year)
• Business License
• NRC Copy
• House Hold List Copy
• 1 Photo
• Ward Endosement
Requeirement Document for (2) person of guarantor
• NRC Copy
• House Hold List Copy
• Income Evidence
• Occupation Evidence
• 1 Photo
Supplementary card applicant• 16 years of age
• Citizen/PR of Myanmar
Not Applicable• NRC Copy
Fees and Charges
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 made by payment due date
(16% Per Annum)
IPP Interest12% Per Annum
Penalty Fee1% will be charge if full payment is not received by due date
Late Fee2% will be charge if minimum payment has not been made by due date
Over Limit Fee3% will be charge 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
Card Early Termination / Cancellation FeeFree
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% + Off Us ATM Access Fee of withdrawal amount (Per Transaction)
(Minimum charges for each transaction is MMK 1,000)
Cash Withdraw Transactions Fees
(International)
6% + Oversea Bank Charges of withdrawal amount (Per Transaction)
(Minimum charges for each transaction is MMK 1,000)
Balance InquiryFree
Statement Reprint FeeFree
Note: 6% mark-up is applicable for cross currency transactions.
Features
Card Validity3 years
CurrencyMMK
Card ActivationAYA Bank Branches
Withdrawal Limit30% of Credit Limit
ATM Withdrawal LimitDomestic Transaction - 1,000,000 MMK Per day
International Transaction - 1,000,000 MMK Per day
POS Withdrawal LimitDomestic Transaction - 5,000,000 MMK Per day
International Transaction - Up To Avaliable Amount Per day
Over Limit10% of Credit Limit
Transaction LimitN/A
   
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.