No Annual Fee
AmBank Cosway MasterCard Platinum offers free annual fee for life without any conditions attached. For the supplementary cards, the first 3 cards are also free of charge from annual fee forever.
Extra Reward Points
Earn AmBonus Points everytime you spend. For local purchases, you will be rewarded with 1 AmBonus Point on every RM1 spent. For overseas purchases, on the other hand, the AmBonus Points are doubled.
All your purchases at Cosway will be rewarded with 3x Cosway Points. Despite of the high reward points, the points can only be used for redemption at Cosway, Cosway Pharmacy and Cosway Country Farm Organic.
With AmBank Easy Payment Plan, you can enjoy zero interest instalment for larger purchases. The plan offers 3 or 6 months’ instalment with purchase of at least RM500. Last but not least, this offer is only valid for participating merchants.
For all the other purchases, you can opt to AmBank AmFlexi-Pay with affordable interest rate.
- 3% p.a. for 6 months EPP for minimum spending of RM500
- 4% p.a. for 12 months EPP for minimum spending of RM2000
- 5% p.a. for 18 months EPP for minimum spending of RM4000
- 6% p.a. for 24 months EPP for minimum spending of RM5000
4.99% Balance Transfer
You can consolidate all your outstanding balance from other credit cards and transfer to AmBank Cosway MasterCard Platinum to enjoy low balance transfer rate with AmBank AmTransfer. The best thing is that there's no hidden charges or one-time upfront handling fee.
The interest rates of AmBank AmTransfer are as per below:
- Pay over 6 months with 4.99% p.a. when you transfer from RM1000
- Pay over 12 months with 8.99% p.a. when you transfer from RM5000
- Pay over 24 months with 8.99% p.a. when you transfer from RM5000
Despite low interest rates, it is better to make sure you make repayments on time and clear the outstanding balance within the agreed period. Otherwise, the interest rate will revert to the standard credit card management rate of up to 18% p.a.