Nothing rewards you like the AmBank Cosway MasterCard

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. What’s more, you get to enjoy offers and promotions all year long!

Be rewarded when you shop

Spend using your AmBank Cosway Mastercard and keep getting rewarded.


Card Type Local Purchases Overseas Retail Purchases Purchases at Cosway
AmBank Cosway Platinum MasterCard RM1 = 1 Point RM1 = 2 Point RM1 = 3 Points
AmBank Cosway Gold MasterCard RM1 = 1 Point RM1 = 1 Point RM1 = 3 Points


*Cosway Points can only be used for on-the-spot redemption at Cosway

Easy Payment Plan

With our 0% Easy Payment  Plan program, you can now enjoy up to 24 months interest free instalment payment on hundreds of products ranging from home and kitchen appliances to handphones at our participating merchants. Just visit any of our partner outlets and ask for our AmBank Easy Payment Plan when you make your payment. You can enjoy 3 or 6 months installment payment plan with just a minimum purchase of RM500.

Click here for the list of participating merchants

Convenience with AutoBillPay

No more late payments. No more long queues. Now, with AutoBillPay, all your bills can be automatically debited from your credit card account.

Click here to download the Auto BillPay Enrolment Form

Click here for the Terms and Conditions of the Auto Bill Pay service

Ease of mind with AmFlexi-Pay

Convert your retail transaction into affordable monthly instalments.


Tenure 6 Months 12 Months 18 Months 24 Months
Minimum Spend RM500 RM2,000 RM4,000 RM5,000
Management Fee Rate 3% 4% 5% 6%


Call 1300 80 8888 (Domestic) or +603 2178 8888 (International) to apply.

Click here for full terms and conditions ( EN | BM )

Stay green

Don't worry about postal delivery delays or being wrongly delivered. Switch to eStatement and save more trees while doing so.

Convert now through a simple SMS:
est<space>y<space>email add<space>newIC no<space>last 4-digit of credit card number to 36663

*SMS registration charges: RM0.15 standard telco charges. SMS Acknowledgement reply message: RM0.30 per SMS.

Excess Limit Service

You do not need to worry about exceeding your assigned credit limit in times of need, subscribe to this service now to enjoy better peace of mind.

Subscribe now through a simple SMS:
BG<space>12-digit IC No.<space>N to 36266

*SMS registration charges: RM0.15 standard telco charges. SMS Acknowledgement reply message: RM0.30 per SMS.

*This is a chargeable service at fee of 2% of the amount above your credit limit plus applicable GST of 6% or minimum of RM50 plus RM3 GST (whichever is higher) when this service is triggered, subject to the conduct of your account and the excess limit allowable is at the discretion of the Bank.

Stay Protected

  • Travel Insurance
    Travel with absolute peace of mind knowing that you and your family members are protected with up to RM 1 million travel insurance coverage when the full fare of the airline tickets are charged to the Card.

    For travel insurance policy, click here.

A card, made just for you

Fees & Charges
Principal Card: Free-For-Life (no conditions attached)
Supplementary Card:
First 3 supplementary cards are Free-For-Life.
4th supplementary card onwards is RM188 p.a. (for Platinum) and RM75 p.a. for Gold).

Minimum age for Principal Card applicant: 21 years old and above.
Minimum age for Supplementary Card applicant: 18 years old and above.
Minimum Income:

  • Platinum MasterCard: RM48,000 p.a.
  • Gold MasterCard: RM24,000 p.a.

Terms & Conditions
See AmBank (M) Berhad MasterCard/VISA Agreement (ENG)

AmTransfer (Balance Transfer)

Secure greater savings when you transfer your outstanding balances from other credit /
charge cards to your AmBank / AmBank Islamic Credit Card.

Plan Interest
Rate / Management Fee* (p.a.)
Tenure (Months)
Minimum Transfer
A 4.99% 6 RM1,000
B 8.99% 12 RM5,000
C 8.99% 24 RM5,000

Plan Interest
Rate (p.a.)
Tenure (Months)
Normal Interest
Rate / Management
Fee* (18%p.a.)
Interest Rate /
Management Fee*
Total Interest
Rate / Management
Fee Savings
A 4.99% 6 RM5,000 RM411.65 RM111.24 RM300.41
RM10,000 RM823.30 RM222.48 RM600.82
B 8.99% 12 RM5,000 RM742.52 RM357.27 RM385.25
RM10,000 RM1,485.04 RM714.54 RM770.50
C 8.99% 24 RM5,000 RM1,222.24 RM568.31 RM653.93
RM10,000 RM2,444.48 RM1,136.61 RM1,307.87


Click here for full terms and conditions.

Click here for AmTransfer Application Form.

Download Application Forms.

Click on the links below to download your Application Form. Kindly print and complete the Application Form accordingly. Fax the completed Application Form, I.C. and required income documents to 03-2162 3067 / 2167 3344.

AmBank Cosway MasterCard Application Form AmBank Cosway MasterCard Supplementary Application Form