AmBank Cosway Gold MasterCard

Feature Highlights

  • Earn up to 3x Cosway Points
  • Redeem points for anything at over 850 Cosway Stores, Cosway Pharmacies, and Country Farm Organic Stores
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Redeem Anything on-the-spot!

  • Cosway shoppers, now you can save more by shopping at Cosway! With AmBank Cosway Gold MasterCard, you can earn 3x Cosway Points for every Ringgit spent at Cosway now and 1x Cosway Point for every Ringgit spent locally and overseas on shopping, dining and entertainment. With the 0% Easy Payment Plan program, you can enjoy up to 24 months interest free instalment payment on hundreds of products at participating merchants with just a minimum purchase of RM500.

Fees and Charges

  • The annual fee for this card is free for life for both principal and supplementary holders. By making prompt minimum payment (the higher of RM50 or 5% of outstanding balance) for 12 consecutive months, you get to enjoy low finance charges rate of 15% per annum. If you are able to make prompt payment for at least 10 out of 12 months, the rate will be 17% per annum, otherwise it will be 18% per annum. As a late repayment penalty, the higher of RM10 or 1% of outstanding balance, up to a maximum of RM100 will apply.

Are You Eligible For The AmBank Cosway Gold MasterCard?

  • To apply for AmBank Cosway Gold MasterCard, you need to have a minimum monthly income of RM2,000 and to be at least 21 years old for principal holder or at least 18 years old for supplementary holder.
  • Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as AmBank Gold MasterCard / Visa Card and Bank Islam Gold Card-i, which may match your requirements.
  • If you prefer to broaden your credit card search, review more AmBank credit cards and start comparing today!

The above souces can be found at https://ringgitplus.com/en/

Flexibility Fee and Charges

  • Interest Rate
    15% p.a.
  • Annual Fee
    Free (Free for life)

 

Dining

  • 1x Cosway Point for every RM1 spent locally and overseas

Entertainment

  • 1x Cosway Point for every RM1 spent locally and overseas

Shopping

  • 3x Cosway Points for every RM1 spent at Cosway
  • 1x Cosway Point for every RM1 spent locally and overseas

Groceries

  • 1x Cosway Point for every RM1 spent locally and overseas

Card Information

  • Min. Monthly Income
    RM2,000.00
  • Min. age for principal holder
    21 and above
  • Min. age for supplementary holder
    18 and above
  • Fee for supplementary holder
    Free of charge for first 3 cards
  • Finance charges
    15% p.a. – prompt payment for 12 consecutive months
    17% p.a. – prompt payment for at least 10 out of 12 months
    18% p.a – if any of the above are not met