AmBank Cosway MasterCard Gold credit card

AmBank Cosway MasterCard Gold

Earn up to 3X Cosway points on every transaction with your new AmBank Cosway MasterCard Gold and enjoy offers and promotions all year long!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 4.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 3x reward points 

Apply online now for AmBank Cosway MasterCard Gold

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Because you should be rewarded for giving the bank your business

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, and Country Farm Organic Stores. What’s more, you get to enjoy offers and promotions all year long!
AmBonus Points
3 points on every RM1at Cosway outlets
1 point on every RM1on all local and overseas retail
Your AmBonus Points earned expires in  3 years
Balance Transfer
AmBank AmTransfer offers interest rates from 4.99%p.a. and payment terms up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months4.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months8.99% p.a. and no one-time upfront handling feefrom RM5000 
24 months8.99% p.a. and no one-time upfront handling feefrom RM5000 
36 months8.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about AmBank AmTransfer
Easy Payment Plan (EPP)
AmBank EPP offers 0% interest for up to 24 months payment terms on retail purchases from a range of approved merchants. No penalty fee for early payment. Pay instalment interest as low as 3% on all the other purchases.
Pay OverWith Interest Rate AtWhen You Spend
6 months3% p.a. and no one-time upfront handling feefrom RM500 
12 months4% p.a. and no one-time upfront handling feefrom RM2000 
18 months5% p.a. and no one-time upfront handling feefrom RM4000 
24 months6% p.a. and no one-time upfront handling feefrom RM5000 
Learn more about AmBank AmFlexi-Pay

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for life for first 3 Supplementary cards
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
AmBank AmFlexi-Pay
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
AmBank QuickCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
AmBank AmTransfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AmBank Cosway MasterCard Gold review

What's so good (or not so good) about it?

To all Cosway loyal fans out there, you now have more reasons to shop for your trusted groceries at Cosway with none other than AmBank Cosway MasterCard Gold! So spending wisely without compromising your satisfaction is possible after all.

Triple Cosway Points

Hasten your points accumulation process by earning 3x the points when you swipe your AmBank Cosway card at any Cosway retail nationwide. Outside of Cosway, your interest is well preserved too with 1 point for every RM1 charged to your card locally or overseas. You can be sure that nothing is stopping you from getting your Cosway points!

Use the points accumulated to redeem any Cosway goods or Country Farm Organic Stores items over the counter when you're making a payment.

Save The Trees, Save Mother Earth

If you are not already aware, bank charges you a penalty at a minimum of 15% p.a. if you are late on your credit card bill payment. This is more likely to happen if your monthly statement is delivered to you via snail mail as problems like postal delays and delivery mistakes are bound to happen.

Avoid them all at once when you opt for e-statement! Not only that it will reach your email safely and timely every month, you can also contribute to environmental sustainability by cutting down on paper use. Take part now simply by sending a SMS with the following content to 36663:

est<space>y<space>email address<space>new IC number<space>last 4-digit of credit card number

Kill Off Your Debt!

Every once in a while, things can go out of hand especially when it comes to personal money management. Credit card debt that is piling up on you will eventually become unmanageable due to high compounding interest charges. Make use of AmTransfer – AmBank’s balance transfer program to help you out of your debt predicament.

Transfer your existing credit card outstanding balance over to your new AmBank Cosway MasterCard Gold and enjoy marked-down interest fees as low as 4.99% for 6 months’ period., a minimum transfer of RM1000 is required. Stretch your repayment period longer to 12 months or 24 months at 8.99% interest rate per annum with minimum transfer of RM5000.

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