AYA Visa Credit Card

July 12, 2017

AYA Visa Credit Card


AYA VISA Credit Card is a convenient way of borrowing money to pay for goods and services. Using your credit card, you can make your purchases in stores, restaurants, service providers, and online services. No initial deposit required to apply for AYA VISA Credit Cards.


Global Acceptance

Accepted by  millions of Merchants and ATMs globally.


Share your Credits

Supplementary cards – A privilege offered to the spouse, parents or children of the primary credit cardholder.


Up to 3.5 times

The credit limit on your credit card is the maximum amount that can be borrowed on a credit card. It can be up to 3.5 times of your monthly income.



Visa paywave is the latest in secure, contactless technology. It will help you spend less time at the cash counter and give you the freedom to do the things that matter most to you.


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 Bank Branches (or) anywhere, anytime through your AYA iBanking and mBanking account.


SimplePay Instalment Plan

Convert your Credit Card purchases to SimplePay for only 1% per month.  They are fixed monthly payment plans to use with your AYA VISA Credit Card.

No Initial Deposit

No collateral Deposit required for AYA VISA Credit Card


Deals & Discounts

Shop around the world and get awesome deals & discounts with AYA VISA Credit Card.


50 Days Interest free

Enjoy 50 days maximum interest free of grace period.


Low Interest Rate

AYA VISA Credit Card offers low interest rate of 1.33% minimum per month.

Enjoy many benefits & privileges instantly with your AYA Visa credit cards from hundreds of AYA partners and its 15 Prestigious partners such as AYA Myanmar Insurance, Balance Fitness, Esprit, LG, Manora, Max Energy, Myanmar Institute of Business, Novotel Hotel Max, Power House Fitness, Scott & Co, Singapore Airlines, Strategy First, shop.com.mm, Vestige Café and Yangon Sanctuary Spa.
















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.
ANNUAL FEESSilverGoldPlatinum
Principal Card20,000 MMK60,000 MMK120,000 MMK
Supplementary Card9,000 MMK25,000 MMK60,000 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 Noice 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
International Transaction FeesFees 25% ~ 50%
(Note * Fees are subject to change without prior notice)
Other FeesService 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 (Per Transaction)
(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
6% + Oversea Bank Charges of withdrawal amount (Per Transaction)
(Minimum charges for each transaction is MMK 1,000)
Balance InquiryFree
Statement Reprint FeeFree
Note: Cross currency mark-up fees will be applied for foreign transactions
Card Validity5 years
Card ActivationAYA Bank Branches
Withdrawal Limit30% of Credit Limit
POS Withdrawal LimitDomestic Transaction - 5,000,000 MMK Per day
International Transaction - Up To Avaliable Amount Per day
Over Limit10% of Credit Limit
  1. You can apply for AYA Credit Card 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• Age 21 years and above
• Citizen/PR of Myanmar
• Letter of Employment
• Staff ID Card (Optional)
• Salary Pay Slip (Latest 3 Months)
• 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