Cards and Merchant Services

We offer a wide range of MPU/UPI debit and VISA credit cards tailored to your needs - apply now! 

POS Terminals are also available, allowing your business to accept debit and credit cards from around the world!

MPU/UPI Debit Cards

Forget cash, use AGD Debit Cards! The safer and smarter choice!

You can also enjoy cashless and worry-free shopping in stores and online when using AGD Bank Debit Cards.

  • PIN-based protection for all your purchases at store
  • Online payment made secure by OTP
  • EMV Chip-based debit card 
  • Lock and unlock your card using AGD Pay (Mobile Application) 
  • No need to withdraw cash for your shopping anymore
  • Use the card at any MPU merchants/ATMs inside Myanmar 
  • Use the cards at UPI merchants/ATMs in 174 countries outside Myanmar 
  • Get discounts at various partner merchant outlets, available during a selected period in Myanmar and Internationally
Card Transaction Limit 

In Myanmar 
  Amount (MMK) - Max Amount (MMK) - Per Txn
ATM cash (w/d) 1M  300K
POS 5M  5M
eCommerce Txn 5M  5M 
Outside Myanmar 
  Amount (MMK) - Max Amount (MMK) - Per Txn
ATM cash (w/d) 2.4M 600K
eCommerce Txn (3D secure) 6M  6M 
eCommerce Txn (non 3D secure)  6M 70k 
Application Checklist
  • AGD Personal Savings Account
Rates and Fees
  • Replacement fees: 3,000 Kyats
  • Cash withdrawal (other bank ATM): 0.5% of withdrawal amount


VISA Credit Cards

A Rewarding Experience!

3D SecureTM 
is a new security feature on our AGD Visa Credit card, which is powered by Visa

  • Use your AGD Visa Credit Card for online purchases, safely and securely. 
  • Transactions are authorised by validating the One Time Password (OTP) sent to your registered email address, which will reduce the risk of fraudulent transaction considerably.
3D SecureTM transactions 
  • Use details on the card - card number, expiry details, CVV
  • OTP is generated 
  • OTP is sent to your registered email ID 
  • Once the OTP and card details are verified, the transaction will get authorized. 
Easy to Apply!


  • Maximum 45 days' interest-free credit
  • Contactless payment transactions 
  • Receive instant SMS notfications on your mobile phone every time a transaction is made 
  • Repay your credit card bill through AGD Pay 
  • Flexible payment option between 10% and 100%
  • 50% Cash Advance Facility inside and outside Myanmar 
  • Additional cards for spouse, children and parents with a spending limit 
  • Wide acceptance in Myanmar and outside Myanmar 
  • Special offers and discounts on use at various shopping outlets, hotels, and restaurants 
  • eStatement service via e-mail and AGD Pay
  • Online payment secured by OTP
  • Card lock and unlock facility through AGD Pay
  • Minimum age requirement 
  • Myanmar national 
  • Account with AGD 
  • Foreign nationals can apply against lien on personal accounts
  • Minimum monthly income 
Type Amount
Visa Classic MMK 300,000
Visa Gold MMK 1,000,000
Visa Platinum  MMK 2,000,000

​​​Criteria & Documentation 

Income Documents 

  • Minimum of 2 years' work experience
  • Salary confirmation certificate from the employer
  • Payslip
  • Bank statement
  • 2 years' financial statements 
  • Tax paid receipt 
  • Firm/Company Registration Certificate 
  • 6 months' bank statements 
Other requirements (Salaried/Self-Employed) 
  • 1 x passport size photo
  • Copy of NRC/Passport
  • 2 guarantors having a positive net worth 
  • Copy of household registration 
  • Original ward registration letter 
No income documents/No guarantors/ No address verification documents required for those who would like to a credit card against: 
  • Lien on Fixed Deposits/Current, Call or Savings account with AGD Bank
Fees and charges for Visa credit card
  Classic  Gold Platinum 
Card Issuing Fees 10,000 MMK 20,000 MMK  40,000 MMK
Annual Fees 20,000 MMK  40,000 MMK 80,000 MMK


Merchant Services

We help your business to accept payments from multiple local and international cards at the checkout, with our countertop POS terminal. We also help you to grow your business by running different campaigns from time to time. 

Key Features 
  • Accepts MPU, Visa, Master, UPI & JCB Cards
  • Accepts all types of payments - debit/credit card, prepaid cards
  • Accepts AGD Pay
  • Attractive POS Terminal 
  • A dedicated Merchant Support Team
  • Increase your sales
  • Reduce cash level at your shop
  • Earn interest on your deposit

For more information, write to us at , and we will get back to you.