JCB Credit Card – AYA Bank

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.

Benefits

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.

Features

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.

How to Apply

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	• 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 & Charges

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)
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
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)
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 Inquiry	Free
Statement Reprint Fee	Free
Note: Cross currency mark-up fees will be applied for foreign transactions
Features
Card Validity	3 years
Currency	MMK
Card Activation	AYA Bank Branches
Withdrawal Limit	30% of Credit Limit
ATM Withdrawal Limit	Domestic Transaction - 1,000,000 MMK Per day International Transaction - 1,000,000 MMK Per day
POS Withdrawal Limit	Domestic Transaction - 5,000,000 MMK Per day International Transaction - Up To Avaliable Amount Per day
Over Limit	10% of Credit Limit
Transaction Limit	N/A

Managing your card


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.