UPI Debit Card

January 26, 2018

UPI Debit Card

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

AYA UNIVERSAL Debit Card (MPU-UPI Co-Brand) is your ideal choice, when you use at home and abroad. Using your AYA UNIVERSAL Debit 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.


Benefits  of AYA UPI Debit Card

  • Cashless
  • Global Acceptance
  • Enjoy Membership Exclusives
  • 24/7 Access to your AYA Savings

The applicant must be Myanmar citizen who is over 18 years old.

To apply AYA JCB Debit Card, Simply fill in the application form along with your NRC at the nearest branches.

Fees and Charges
Card Fees FREE
Initial Deposit 1,000 MMK
Minimum Balance 1,000 MMK
Card Lost/ Damaged Fees 3,000 MMK
POS Transactions FREE
Online Payment Transactions FREE
Cash Withdraw Transactions
(Local, AYA Bank, ATM)
Cash Withdraw Transactions
(Local, Other Bank, ATM)
Cash Withdraw Transactions
6,500 MMK +
Overseas Bank Charges
Balance Inquiry FREE

You can access your account and monitor all your transactions and payment of home and abroad by AYA i-Banking/m-Banking.

You may apply AYA i-Banking/m-Banking to link with your account if you do not have one.

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