UPI Credit Card

January 25, 2018

UPI Credit Card

UnionPay International (UPI) is a subsidiary of China UnionPay which has enabled card acceptance in 162 countries including Myanmar.

AYA UNIVERSAL Credit Card (MPU-UPI Co-Brand) is a convenient way of borrowing money to pay for goods and services. Using your AYA UNIVERSAL Credit Card (MPU-UPI Co-Brand), you can make your purchases in stores, restaurants, service providers, and online services from around the world which accept either MPU or UPI payment method. No initial deposit required to get the cards. Simply apply for free now.

UPI Platinum


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

UPI Gold


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

UPI Silver


  • 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

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 1.08% minimum per month.

Fantastic Deals & Discounts

Shop around the world and awesome get deals & discounts.

Global Travel service & Concierge

Enjoy exclusive privileges including overseas travel assistance, medical assistance, VIP medical & healthcare service, high-end travel insurance, 24-hour concierge service, etc.

Global Acceptance
Accepted by 10 millions oversesas online Merchants and ATMs globally in 162 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-UPI 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

Employee• 21 years of age
• Citizen/PR of Myanmar
• Letter of Employment
• Salary Pay Slip (Latest 3 Months)
• Bank Statement (Latest 3 Months)
Self Employed• 21 years of age
• Citizen/PR of Myanmar
• Bank Statement (Latest 3 Months)
• Business License/Contract/Proof of Business
• Other Source Of Income
Retire • 21 years of age
• Citizen/PR of Myanmar
• Tenancy Agreement
• Pension Book
• Other Source Of Income
Supplementary card applicant• 16 years of age
• Citizen/PR of Myanmar
Not Applicable
Fees and Charges
Interest on purchases 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.10,000 processing fee will incur in case of lost/stolen cards.
ATM Withdrawal ChargesLocal (via AYA ATM)
Local (via other Bank ATM)
Oversea ATM
6% of withdrawal amount
6% + 0.5% (MPU Charges)
6% + Oversea Bank Charges
Collection fee1,500 MMK
Legal Processing fee30,000 MMK
Cross Currency Transactions3% Mark-up is application for Cross Currency Transactions.
Annual FeesSilverGoldPlatinum
Principal Card30,00060,000100,000
Supplementary Card15,00030,00050,000
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 and selected retail stores.

VIP Experience to International Champion Cup (ICC) Singapore

2019 International Champions Cup (ICC) will be held at Singapore National Stadium from 20th July to 21st July, 2019. Watching the champions and enjoying the match is a great opportunity for all the UPI cardholders and special welcome to participate in the promotion campaign to win VIP experience to ICC Singapore package as follow.

Prize Package include:

  1. 2 Round trip air tickets to Singapore
  2. 2 nights hotel stay at Fullerton hotel
  3. 2 Football match tickets

Promotion starts from 15th April, 2019 till 15th June, 2019.
Winner can choose any one companion (family or friend) to Singapore for International Champions Cup (ICC).

How to Participate?

All AYA UPI Debit Cardholders and AYA UPI Credit Cardholders are eligible to participate in this promotion.

Use your AYA UnionPay Card and make the prize yours. The cardholder who spends the highest frequency with AYA UnionPay Card during the promotion period will be selected as winner. The more you spend, the better chance to win the prize.

Terms & Conditions

  • Promotion period is valid from 15th April, 2019 till 15th June, 2019.
  • During promotion period, only overseas and e-commerce transactions with AYA UnionPay Card (Debit & Credit cards) are eligible to participate in the promotion campaign and any Local transactions will NOT be considered as qualify transactions.
  • Transactions such as ATM Transfers, Internet banking card transactions, balance transfers from cards or finance charges are excluded in the promotion campaign.
  • Winner will be rewarded with the opportunity to watch one ICC football match(July 21st, 2019) in Singapore along with 3D/2N trip for two person.
  • Prize Package include – 2 round trip air tickets to Singapore, 2 nights hotel stay at 5* hotel, 2 Football match tickets worth SGD400.
  • Choosing of the Winner will be conducted on July 2nd, 2019. If there is two cardholders spend equal highest frequency, fair draw will be conducted in order to choose Winner.
  • The decision of AYA Bank is final and no correspondence will be entered regarding its decision.
  • Winner will be notified via phone during bank working hours and will be announced on AYA Bank official Facebook Page as well.
  • Winner must be able to confirm acceptance immediately for travelling to Singapore on the phone call or the prize package will be forfeited and a new selection will be conducted for another Winner.
  • Once accepted, the prize winner must be in person visit AYA Bank the next day to notify and confirm in writing of accepting this prize and identify companion guest for the trip along with their full names, 6-month validity passports, and NRC.
  • The prize is non-transferrable and there are no cash alternatives. Winner does not have the right to sell the tickets or packages.
  • Winner has to abide by all terms and conditions laid out by UnionPay and AYA Bank.
  • AYA Bank reserves the right to disqualify any cardholder from the promotion campaign of abnormal usage patterns suspected.
  • Retail credit recovery customers over age 1 are not eligible to participate in the promotion.
  • Winner and companion will be responsible for the following:
  1. Passport, Travel Visa, and other travel related expenses including extending their stay beyond the prize package offer by AYA Bank. AYA Bank and UPI Myanmar will not be responsible for obtaining visas or other entry permits that maybe required.
  1. Long distance phone calls, room service, laundry, mini bar items, loss of hotel property, damage to hotel property or any other expenses incurred to the hotel.

Remark: AYA Financial Staffs are not allowed to participate in this promotion campaign