Earn up to 3x Cosway Points
Redeem points for anything at over 850 Cosway Stores, Cosway Pharmacies, and Country Farm Organic Stores
3x Cosway Points for every RM1 spent at Cosway
AmBank Cosway Platinum MasterCard
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- Min. Monthly Income
- RM 4000
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- Interest Rate
- 15% p.a.
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- Cashback
- -
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- Annual Fee
- Free
"Earn up to 3x Cosway Points from your retail spending, and redeem these points at over 850 Cosway outlets nationwide!
"
iMoney Editor's Review
Key Features
Benefits on...
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Shopping
- 3x Cosway Points for every RM1 spent at Cosway
- 1x Cosway Point for every RM1 spent locally
- 2x Cosway Point for every RM1 spent overseas
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Dining
- 1x Cosway Point for every RM1 spent locally
- 2x Cosway Point for every RM1 spent overseas
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Entertainment
- 1x Cosway Point for every RM1 spent locally
- 2x Cosway Point for every RM1 spent overseas
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Groceries
- 1x Cosway Point for every RM1 spent locally
- 2x Cosway Point for every RM1 spent overseas
More details
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Eligibility/Documents
- Min. Monthly Income
- RM 4000
- Min. Age for Principal Holder
- 21
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Fees and charges
- Annual Fee
- Free for life
Other Fees and charges
- Late Payment Charges
- Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
- Finance Charges
- 15% p.a. – prompt minimum 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 is not met
- Sales and Services Tax (SST)
- 0% on annual fee and other charges
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Supplementary Card
- Min. Age for Supplementary Holder
- 18 and above years old
- Fee for Supplementary Holder
- Free of charge for first 3 cards
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Cash Advance
- Amount
- Up to 100% of credit limit
- Charge
- Higher of minimum RM50 plus RM3 GST or 5% of cash advance amount plus 6% GST
Other cash advance info
- Cash Advance Interest Charge
- 18% per annum on cash advance amount
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Others
- Rewards Points Expiry
- N/A
Other benefits
- 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
Balance Transfer to any AmBank credit cards
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Review by iMoney
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Cosway shoppers, now you can save more by shopping at Cosway! With AmBank Cosway Platinum MasterCard, you can earn 3x Cosway Points for every Ringgit spent at Cosway now and 2x Cosway Point for every Ringgit spent on overseas retail purchases and 1x Cosway Point for every Ringgit spent on local purchases. 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
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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.
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To apply for AmBank Cosway Platinum MasterCard, you need to have a minimum monthly income of RM4,000 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 Platinum MasterCard / Visa Card, which may match your requirements.
If you prefer to broaden your credit card search, review more AmBank credit cards and start comparing today!