AmBank Cosway Gold MasterCard

Min. Monthly Income

RM 2,000
Interest Rate

15% p.a.
Cashback

-
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

Shopping
- 3x Cosway Points for every RM1 spent at Cosway
- 1x Cosway Point for every RM1 spent locally and overseas
Dining

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

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

1x Cosway Point for every RM1 spent locally and overseas

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

Card Information

Annual Fee	Free for life
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

Product Review by

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!