+95 1 231 7777
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.
PayWave
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.
| 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. |
| Silver | Gold | Platinum | |
|---|---|---|---|
| JOINING FEES | |||
| Principal Card | Free | Free | Free |
| Principal Card | Free | Free | Free |
| ANNUAL FEES | |||
| Principal Card | 20,000 MMK | 60,000 MMK | 120,000 MMK |
| Supplementary Card | 9,000 MMK | 25,000 MMK | 60,000 MMK |
| Retail Interest | 1.33% per month if full payment is not made by payment due date (16% Per Annum) |
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| 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 Noice 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 (Per Transaction) (Minimum charges for each transaction is MMK 1,000) |
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| 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) |
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| Cash Withdraw Transactions Fees (International) | 6% + Oversea Bank Charges of withdrawal amount (Per Transaction) (Minimum charges for each transaction is MMK 1,000) |
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| Balance Inquiry | Free | ||
| Statement Reprint Fee | Free | ||
Note: Cross currency mark-up fees will be applied for foreign transactions |
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| Features | |||
| Card Validity | 5 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 |
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| POS Withdrawal Limit | Domestic Transaction - 5,000,000 MMK Per day International Transaction - Up To Avaliable Amount Per day |
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| Over Limit | 10% of Credit Limit | ||
| Transaction Limit | N/A | ||
- You can apply for AYA Credit Card 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 |
If you have been banking with us for more than 3 months, please provide one gaurantor with the gaurantor’s documents. If you are not currently banking with us, please provide two guarantors with the guarantors’ documents. **Note: Documents are non-returnable. Additional documents may be requested if necessary upon processing. Approval is subject to the bank’s discretion and the bank reserves the right not to disclose the reason if your application is declined.