Mohon untuk AmBank Cosway MasterCard Gold dengan Ambank

Product Highlights

3X Cosway Points

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!

Easy Payment Plan

Enjoy up to 24 months interest-free instalment payment on hundreds of products ranging from home and kitchen appliances to handphones at participating merchants

No Annnual Fee

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!

Features

Rewards

Earn	Spent In
3 Cosway Points Per RM 1	At Cosway outlets
1 Cosway Point Per RM 1	All local and overseas retail expenses

Cosway Points can only be used for on-the-spot redemption at Cosway.
Use your points to redeem items at Cosway Stores, Cosway Pharmacies, and Country Farm Organic Stores.

Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
6 Months	0% p.a. and 4.99% one-time upfront handling fee	from RM 1,000
12 Months	0% p.a. and 8.99% one-time upfront handling fee	from RM 5,000
24 Months	0% p.a. and 8.99% one-time upfront handling fee	from RM 5,000

Am Bank Easy Payment Plan

Pay Over	With Interest Rate At	When You Spend
3 Months	0% p.a. with no one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 500
12 Months	0% p.a. with no one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with no one-time upfront handling fee	From RM 1,000

Am Bank Am Flexi Pay

Pay Over	With Interest Rate At	When You Spend
6 Months	3% p.a. and no one-time upfront handling fee	From RM 500
12 Months	4% p.a. and no one-time upfront handling fee	From RM 2,000
18 Months	5% p.a. and no one-time upfront handling fee	From RM 4,000
24 Months	6% p.a. and no one-time upfront handling fee	From RM 5,000

Fees and Charges

Annual Fee For Primary Card	Free
Annual Fee For Supplementary Card	Free for the first 3 cardholders*
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

*annual fee for the 4th supplementary card onwards is RM 75.

Interest Rate

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Requirements

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone