If you are living in Malaysia, Brunei, Indonesia, Hong Kong or Taiwan and want to apply for a credit or debit card, there is a new program that you might be interested. Whether you need a card to do business or just buying things from ebay, this card can do it all for you. So, what is the difference between this card from the others? This is the eCosway card, where 5 banks and card companies went on a joint venture to provide better services to all their customers and thus can eliminate the competition so both the banks, card companies and the customers earn more. Since you can choose the Visa card or MasterCard, it could be used internationally and when you use the card, you earn 2 types of points. The first type, the eV, is used to convert directly to cash. The second type of point, the CVP, is used to lower the list of item prices sold my Cosway or can be used to participate in the $1 auction where everything starts at $1. You can only have 2 downlines only, but you earn directly from all your downlines. The more you or your downlines spend with this card, the more you earn. You can use it for refilling fuel, paying children's school fees, buying daily necessities or at any place which accepts Visa Card or MasterCard. Since these are the normal chores that everyone must go through, why not use this card to pay rather that using cash? It is like a cash back system and is safer than using cash because you could be robbed. You earn more when spending at their partner shops compared to non-partner shops but you also earn points although the shop is not a partner! It is a good alternative to using cash or other cards since it gives you more benefits. There is a minimal requirement for each month to enable you to collect your money, but you can refuse to collect your money if you don't reach the requirement so you don't lose anything! The one time registration fee is US$60. You can check out your local bank or card company to get the application form for the card but you need to register at eCosway and enter your membership number in the credit/debit card form before you can get all the benefits. The local bank for Malaysia is Alliance Bank, Brunei is Baiduri Bank, Indonesia is Bank Niaga, Hong Kong is XPRESS Finance Limited and Taiwan is SinoPac Card Services.
