Dapatkan 3X mata ganjaran Cosway untuk segala pembelian di mana-mana kedai Cosway di Malaysia dengan kad kredit AmBank Cosway MasterCard Gold.
With every transaction at Cosway, you earn up to 3X Cosway Points that allows you to redeem anything on-the-spot at over 850 Cosway Stores/Cosway Pharmacies/Country Farm Organic Stores!
Enjoy up to 24 months interest-free instalment payment on hundreds of products ranging from home and kitchen appliances to handphones at participating merchants
The AmBank True Visa annual fee is free for life with no strings attached! Additionally, your first 3 supplementary cards have zero annual fee as well!
| Earn | Spent |
|---|---|
| 3 AmBonus Point on every RM1 | at Cosway outlets |
| 1 AmBonus Points on every RM1 | on all local and overseas retail expenses |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 4.99% p.a. and no one-time upfront handling fee | from RM1000 |
| 12 months | 8.99% p.a. and no one-time upfront handling fee | from RM5000 |
| 24 months | 8.99% p.a. and no one-time upfront handling fee | from RM5000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 3 months | 0% p.a. and no one-time upfront handling fee | from RM500 |
| 6 months | 0% p.a. and no one-time upfront handling fee | from RM500 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 months | 3% p.a. and no one-time upfront handling fee | from RM500 |
| 12 months | 4% p.a. and no one-time upfront handling fee | from RM2000 |
| 18 months | 5% p.a. and no one-time upfront handling fee | from |
| 24 months | 6% p.a. and no one-time upfront handling fee | from RM5000 |
| Annual fee | Free for life. |
|---|---|
| Annual Fee for Supplementary Card | Free for life for first 3 supplementary cardholders. |
| Mininum monthly payment | RM50 or 5% of outstanding amount |
| Late payment fee | RM10 or 1% of outstanding amount, up to maximum of RM100 |
| Cash Withdrawal Fee | RM15.90 or 5.30% of withdrawn amount, whichever is higher |
| Profit Rate on Cash Withdrawals | 18% |
| 15% Interest Rate Per Annum | Tier 1: Cardholders with prompt payments for 12 consecutive months. |
|---|---|
| 17% Interest Rate Per Annum | Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months. |
| 18% Interest Rate Per Annum | Tier 3: Cardholders who do not fall under the above categories. |
| Minimum Annual Income | RM24,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
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