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EastWest Bank Credit Card Guide

Interested in EastWest Bank Credit Card promos and rewards?
EastWest Bank is one of the largest commercial banks. The long list of its services and financial products will not be complete without its famous credit cards in the Philippines.


There are various kinds of credit cards offered by EastWest Bank. It can cater to cardholders from first-timers to business owners, an EastWest card can perfectly fit their needs and wants.

EastWest Credit Card Priority Banking Visa Infinite Promo

  • Earn one (1) Infinite Rewards Point for every P10 spend
  • 30% discount on GolfPH membership
  • Up to 20% off on room packages at Boracay Mandarin Island Hotel

EastWest Credit Card Platinum MasterCard Promo

  • Free annual membership
  • Free Comprehensive Travel Accident & Inconvenience Insurance
  • Earn one (1) Platinum Rewards Point for every P40 spend
  • The exclusive overnight net rate of P4,900 in a Deluxe Room at Winford Hotel

EastWest Credit Card Platinum Visa Promo

  • 3% Cash Reward on purchases at department stores and dining establishments
  • 3% Cash Rewards at other establishments

EastWest Credit Card EveryDay Titanium MasterCard Promo

  • 5% rebates on P10,000 spend-supermarket, gas, and drugstore purchases
  • 3% rebates on P5,000 to below P10,000
  • 5% rebates on spending below P5,000

EastWest Credit Card Dolce Vita Titanium MasterCard Promo

  • Earn one (1) Vita Charm for every P100 charged
  • Up to 20% discount on selected fragrances at Art of Scent and Fresh Fragrance Bar
  • Exclusive 3D2N rate of Php30,000 in a Private Pool Villa at Crimson Resort and Spa Mactan

EastWest Credit Card Visa and MasterCard Promo

  • 1 Rewards Point for every P100 charged
  • Female Fridays with Elizabeth Arden
  • ZALORA e-Gift Card for every supplementary card
  • 70% Foreign Currency Conversion Fee

EastWest Credit Card Practical MasterCard Promo

  • Flexible annual fee payment options: annually, quarterly or monthly
  • Minimum Payment Due is only 3.5% of the Total Statement Balance or P200
  • The lowest interest charge is 3.25%

EastWest Credit Card Hyundai MasterCard Promo

  • 5% rebate on fuel purchases
  • 5% rebate on other retail purchases
  • 10% discount at any authorized Hyundai dealership

EastWest Credit Card Application

Each bank has its own set of requirements it complies with. Since banks are risk-averse establishments, they strictly evaluate each credit card application. This leads to a long turnaround process time. To make it faster, it is important to know the EastWest credit card eligibility criteria and requirements.

EastWest Bank Credit Card Eligibility

The applicant must be:

  • a Filipino citizen or a Foreigner with permanent residency here in the Philippines.
  • at least 21 years old.
  • have an active landline or mobile phone.
  • The minimum gross annual income requirement will depend on the card you are applying for:
    • Practical MasterCard requires P120,000.
    • Classic Visa or MasterCard requires P180,000.
    • Titanium MasterCard requires P300,000.
    • Gold Visa or Gold MasterCard requires P480,000.
    • Platinum MasterCard requires P1,800,000.

Requirements for EastWest Bank Credit Card Application

  • If you are employed, you must submit your:
  • COE (Certificate of Employment)
  • Latest BIR
  • Letter of Appointment or Personnel Action Memo
  • Latest 3 months payslip
  • Salary adjustment memo received
  • Latest Service Record (if a government employee).
  • Valid credit card reference in any
  • If you are self-employed, you must submit your”
  • Latest financial statement.
  • Latest BIR form 1701 or ITR.

EastWest Credit Card Application Status

After you have submitted your East West credit card online application, you will receive an SMS regarding the status of your application. You will also receive a message if you need to provide missing documents or information. EastWest may also give you a call during the verification stage.
Do not forget to check your email as you might get updates through emails too.
You will receive updates on whether your application has been approved or denied. Take note that the credit card application process may take two to three weeks from the day EastWest receives your complete requirements. This means that incomplete requirements will delay the process.

EastWest Bank Credit Card Fees & Charges

They will depend on your preference, but they all have various fees discussed in terms and conditions. Honestly, do you take time to read those finely written thick paragraphs? I simplified the fees so you can understand them in just a few minutes.

EastWest Credit Card Annual Membership Fee

Certain cards have annual fees whether you use them for payments or thickening your wallet. Certain cards have waived annual fees such as the EastWest Priority Banking Visa Infinite Credit Card and EastWest Platinum MasterCard.
However, the other card’s annual fees cost from Php1,400 (EastWest Practical MasterCard) up to Php2,800 (EastWest EveryDay MasterCard). You must pay this fee yearly on your card’s anniversary date.

EastWest Credit Card Interest Rate

Interest rates are not charged if you pay your balance full on or before your due date.
If you miss your payment, you can get charged from 1.99% per month (EastWest Priority Banking Visa Infinite Credit Card) up to 3.50% per month. You will continuously be charged if you don’t settle the bill.
Though EastWest Bank advertises the monthly interest rate, you should consider the annual effective interest rate from 23.88% to 42%.

EastWest Credit Card Cash Advance Fee

Like most banks, EastWest Bank advertises that you can instantly get cash through your plastic card. Just put it in the ATM, and (VIOLA!) you’ve got cash in your hands.
Whether you believe in magic or not, cash advance through your credit card is not magic at all. You are bound to pay for it with a stiff fee.
The cash advance fee for EastWest credit cards is 3% of the cash you withdrew. Therefore, if you borrowed Php10,000, then the fee will be Php300. Seems small? Well, the terms and conditions say that the cash advance fee is 3% of the amount or Php500/Php600, whichever is higher. So if you withdrew Php10,000, your cash advance fee is either Php500 or Php600, depending on the credit card.
But wait, there’s more!
Aside from the cash advance fee, you will also be charged an interest rate starting from the date you availed of the service. Your interest will be kept charged on a daily balance basis until you pay the full overdue. Cash advance interest charge ranges from 1.99% to 3.50%.
This simply means it keeps on ballooning until you settle the whole amount. The cash advance will be a financial trap if you can’t afford to pay it off as soon as possible.

EastWest Bank Credit Card Cash Advance Over-the-Counter Fee

You will be charged a fixed amount of Php500 if you get a cash advance over the counter. However, you will still be charged with its interest rate.

EastWest Credit Card Minimum Payment Due

In case you can’t settle the whole bill in time, you are encouraged to pay the Minimum Payment Due. Each card has a different amount. It may seem very small and affordable, however, if you pay only the minimum payment, you will still be charged the interest rate.
You just managed to avoid the late payment penalty, but the interest rate will be continuously charged as long as you don’t settle the whole amount.

EastWest Credit Card Late Payment Charge

This is 6.50% of the Minimum Payment or Php200 up to 7.50% of the Minimum Payment or Php500. Whichever is higher, you’ve got to pay it if you can’t manage the minimum payment due.

EastWest Credit Card Returned Check Fee

You can pay your credit card bill through postdated checks, however, if it bounced, you will be penalized with Php1,000 for every returned check.
Aside from that, if no payment has been recorded in your credit card account, then you will be charged the interest rate and the late payment fee. So, make sure your account has enough funds to cover your credit card balance.

EastWest Credit Card Replacement Fee

If you lost your card, you need to pay Php400- Php500 to replace it.

EastWest Credit Card Foreign Currency Conversion Fee

Some say it is better to spend in cash when you are abroad. If you need to use your credit card, remember that you will be charged more than the amount you purchased. The foreign currency conversion comprised the EastWest’s Service Fee and Visa’s Assessment Fee. So do not be surprised to see the additional 2.50% of the amount you charged.

EastWest Credit Card Gambling & Gaming Fee

Are you into gambling? Major casinos in the country now accept credit cards. If you think you are winning but have run out of cash, you might be tempted to use your credit card.
Before you swipe the plastic card, think of the 5% service fee so you won’t be surprised when you see your next bill.

EastWest Credit Card Multiple Payment Fee

If you plan to pay your credit card bills in weekly installments, this is a bad idea. You will pay an additional P50 for your payments beyond your third transaction.
Plan your payments wisely. If you can save up before the bill’s due date, just keep your money and then settle the whole amount just once a month.

EastWest Credit Card Installment Pre-Termination Penalty

A credit card gives you the freedom to pay for an expensive item in installments. Let’s say you wanted to buy a new laptop, but you neither have enough cash nor the ability to pay the whole amount on the next bill.
You can pay the whole amount in installments though it will be wholly charged on your credit limit. So if the laptop you want costs Php30, 000 and you want to pay it in 6 months, then you do so.
What if you wanted to settle it on the 5th month? Wouldn’t the bank be grateful to have the cash as soon as possible? Unfortunately, you will be penalized. You will have to pay the Installment Pre-Termination Processing Fee, which is 5% of the remaining balance or Php500.

EastWest Credit Card Closed Card Account Service Fee

If you ultimately want to close your credit card account, expect to be charged with a monthly service of Php200. This is why you need to settle your balance as soon as possible.
Having a credit card is a serious responsibility. Though it comes with rewarding benefits, it also serves as your personal financial trap. One wrong move and you’ll be charged. Avoid bill shock by being well informed.

EastWest Credit Card Contact Number

Customer Service Hotline(02) 888-1700
Domestic Toll-Free1-800-1888-8600
US Toll-Free1-866-828-6296
Corporate Office Trunkline(02) 575-3888

In case you need to make a major purchase, but you do not have a credit card, you can just get a personal loan. Need a quick cash loan? Get it from Cash Mart and expect transparent charges, terms, and conditions.
The application is smooth and only takes a few minutes. Call Cash Mart at (02) 829 0000 or visit today to know how to get quick loans online.