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AmBank Cosway Gold MasterCard

Enjoy earning up to 3x Cosway Points to be redeemed at over 850 Cosway outlets around Malaysia! 

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 2000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    -
  • icon Annual Fee
    Annual Fee
    Free

Key Features

  • Earn up to 3x Cosway Points
  • Redeem points for anything at over 850 Cosway Stores, Cosway Pharmacies, and Country Farm Organic Stores
  • 1x Cosway Point for every RM1 spent locally and overseas
Shopping
5.6/10
Groceries
4.8/10
Dining
4.8/10
  • icon shopping Shopping

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

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

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

    1x Cosway Point for every RM1 spent locally and overseas

icon tag Other Features

  • Balance Transfer: Min. transfer amount: RM1,000 (6 months); RM5,000 (12 and 24 months) , Repayment tenure and interest rate: , 6 months: 4.99% per annum; 0% one-time upfront fee, 12 and 24 months: 8.99% per annum; 0% one-time upfront fee
  • Instalment Plan: 0% Easy Payment Plan, 24 months interest free with minimum RM500 purchase

icon groceries Card Information

Min. Monthly Income RM 2000
Min. age for principal holder 21
Fee for principal holder Free
Min. age for supplementary holder 18 and above years old
Fee for supplementary holder Free of charge for first 3 cards
Late payment charge Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount Up to 100% of credit limit
Cash advance charge Higher of minimum RM50 plus RM3 GST or 5% of cash advance amount
Cash advance interest charge 18% per annum on cash advance amount
Rewards points expiry N/A

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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 principal holder and free of charge for first 3 cards for supplementary holder. 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!