Credit Cards   | EastWest Platinum MasterCard


The Mark of a true accomplishment.


PLATINUM BENEFITS & FEATURES

Free Lifetime Membership

The annual membership fees of your principal and supplementary EastWest Platinum MasterCard credit cards have been waived perpetually so that you may enjoy luxurious benefits and spending privileges for a lifetime.

Platinum Perks and MasterCard Moments

Delight in special privileges from our roster of renowned local establishments, which we have exclusively chosen to match your discerning taste.

Discover exceptional experiences designed to inspire and enrich you. Through MasterCard Moments, experience luxury travel, top-end leisure pursuits, culinary adventures, retail finds and rejuvenating wellness encounters in major international cities. Log on to  www.mastercardmoments.com and register for free.

Free EastWest Platinum Virtual Card

Experience additional security and convenience for online shopping with your complimentary Virtual Card. The card number of your Virtual Card is different from the card number of your EastWest Platinum MasterCard to protect your regular credit cardís data and credit limit. Please refer to your EastWest Platinum Virtual Card Primer for details.

Click here to know more about EastWest Platinum Virtual Card.

Free Comprehensive Travel Accident & Inconvenience Insurance of up to Php20 Million

Be worry-free and safe as you explore the wonders of the world. You and your family are covered for up to Php20 Million with our comprehensive travel accident and inconvenience insurance, when you purchase your travel tickets using your EastWest Platinum MasterCard.

Click here to know more about the Free Comprehensive Travel Accident & Inconvenience Insurance benefit.

Free Priority Pass Membership

Take pleasure in the comfort and privacy of an exclusive airport lounge every time you travel abroad. With your Priority Pass membership, you can access more than 600 VIP Airport Lounges worldwide, regardless of the airline you are taking or ticket class held.

You and your guests may access these exclusive lounges with word-class amenities for a minimal usage fee of US$27 per person, per visit, which will be charged to your EastWest Platinum MasterCard. However, each usage fee of US$27 will be FREE and credited back to your account for every Php100,000 worth of accumulated spending from travel ticket purchases and international transactions during your travel period.

To know more, please refer to your Priority Pass membership package, which will be sent to you upon activation of your EastWest Platinum MasterCard.

Platinum Rewards

Be rewarded every time you use your EastWest Platinum MasterCard. Earn one (1) Platinum Rewards Point for every Php40 you spend. Accumulate your points and redeem premium rewards from select partner establishments.

Click here to view the Platinum Rewards Catalog.

MasterCard Concierge Service

Get 24/7 worldwide concierge service, including international travel, shopping or dining assistance, medical care or emergency services whenever, wherever you need it. The corresponding fee/s of the concierge service/s you availed will be charged to your EastWest Platinum MasterCard.

Terms and conditions for each card benefit or feature apply.

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OTHER CARD FEATURES

Global Acceptance

Enjoy your purchasing power in the Philippines and around the world as your EastWest Platinum MasterCard is accepted in more than 29 million establishments, and in over 300 countries.

Billings and Payments in Philippine Pesos

All your purchases, whether local or international, shall be billed and paid in Philippine Pesos to allow you to  keep your foreign currency intact.

Lighter Payment Terms

At every billing cycle, you can choose to pay the total statement balance, the minimum payment due (which can be as low as 5% of your total statement balance), or any amount in between. Should you opt to pay an amount less than your total statement balance, a finance charge of only 2.75% per month will be applied.

High Cash Advance Limit

Your EastWest Platinum MasterCard allows you to avail yourself of cash advances of up to 70% of your credit limit at any EastWest ATM, over-the-counter at any  EastWest branch nationwide or at any ATM displaying the MasterCard and Cirrus logos. Cash advances  can be availed using your unique Cash Advance Personal Identification Number (PIN) and a finance charge  will be imposed from the date of availment to the date of full settlement or payment.

Installment Facilities

Enjoy as low as 0% interest on selected items and installment tenors available from an extensive list of participating merchants.

You may also transfer balances from other credit cards and enjoy great savings and lighter monthly installment payments with the Balance Transfer Facility.

Click here for the Balance Transfer Facility Terms and Conditions.

And, with the Convert-to-Installment Facility, you have the option to convert your high-ticket, shopping and travel expenses to installment payable in 6, 12, 18 or 24 easy payment terms at low monthly add-on interest rates.

Quick Bills Facility

Take advantage of the most convenient way to pay for your utility and telecommunication bills, and insurance premiums. Simply enroll your Bayantel, Digitel, Globe, Meralco, Philam Life and PhilPlans, PLDT & MyDSL, Red Mobile, SKYCable/SkyBroadband/SkyVoice, Smart & Smart Bro, and Sun Cellular accounts in the Quick Bills Facility and your bills and/or insurance premiums will be automatically charged to your EastWest Platinum MasterCard.

Click here to know more about the Quick Bills Facility.

Free Supplementary Cards

Share your spending privileges with your loved ones by giving them supplementary EastWest Platinum MasterCard credit cards, with annual membership fees waived perpetually. You can request up to 9 supplementary cards. At your option, you may also assign a sub-limit for each supplementary card to better manage your finances.

24-Hour Customer Service Hotline

For any inquiry, request or to report a lost card, you may call the EastWest Customer Service Hotline at 888-1700 and our highly-trained customer service representatives will be more than willing to assist you.

Terms and conditions for each card feature apply.

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LOST CARD PROTECTION

You can report the loss of your EastWest Platinum MasterCard anytime, anywhere through our 24-Hour Customer Service Hotline at 888-1700 which you can call collect. In the U.S., you may also call our Toll-Free Hotline at 1-866-828-6296. You will be free of any financial liability from fraudulent charges made on your EastWest Platinum MasterCard from the  time you reported the loss.

For billing addresses within Metro Manila, replacement cards will be released for delivery within 3 banking days from the time the card was reported lost. While for addresses outside Metro Manila, replacement cards will be released for delivery within 7 banking days from the time the card was reported lost. A card replacement fee of Php200 shall be charged to your EastWest Platinum MasterCard.

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EastWest Platinum MasterCard
Annual Membership Fee FREE FOR LIFE
Finance Charge 2.75% per month, computed based on average daily balance (or 33% effective rate annually)
Cash Advance Service
Fee & Finance Charge
1% of the cash advance amount or Php500, whichever is higher; and 2.75% finance charge imposed on the cash advance amount, which shall accrue from the date of availment until full settlement or payment.
Cash Advance
Over-the-Counter Fee
A fee of Php500 will be charged for cash advance transactions availed over-the-counter at EastWest branches in addition to the cash advance service fee. The proceeds of the over-the-counter cash advance transaction shall be net of the over-the-counter fee.
Late Payment Charge 6.50% of the minimum payment due or Php200, whichever is higher
Over Credit Limit Fee Php500 will be charged whenever the outstanding balance exceeds the prescribed credit limit within the billing period.
Returned Check Fee Php1,000 for every returned check
Retrieval Fee Php200 for the retrieval of each retail/installment and mail-order/telephone-order charge slip; Php1,250 for the retrieval of each travel and entertainment charge slip
Card Replacement
Fee
Php400 for every card replacement
Foreign Currency
Conversion Fee
Transactions made in foreign currencies/merchants shall be automatically converted to Philippine Pesos at the MasterCard currency conversion rate plus EastWest's foreign currency conversion fee of 2.50% at the time the transaction is posted.
Gambling and Gaming Fee A 3.50% service fee shall be charged on gaming/gambling transactions and/or transactions made at gaming/gambling establishments, including the placement of wagers, purchase of lottery tickets or other values in conjunction with any gaming or gambling activities.
Multiple Payment Fee Cardholders are allowed a maximum of three (3) payment transactions in non-EastWest payment channels within a statement cycle. A Php40 fee will be charged for each EastWest Credit Card payment made after the 3rd payment transaction. Payments made in EastWest channels will not incur any charges.
Installment
Pre-Termination
Processing Fee
5% of the remaining principal balance or Php500, whichever is higher
Closed Card Account
Service Fee
For Closed Card Accounts which have credit balances, the cardholder shall make the appropriate arrangement with EastWest to collect the credit balance within three (3) months from the date when the Card Account is closed. Otherwise, EastWest shall deduct from such credit balance a monthly service fee of Php200 to cover for administrative costs incurred by EastWest in maintaining the cardholder's account.
Minimum Payment
Due Computation
Your Statement of Account shall reflect your Minimum Payment Due which is composed of the following: (a) past due amount; (b) 5% of your total statement balance inclusive of all fees and charges and monthly installment/s, if any, but exclusive of any unbilled installment amount; and (c) any amount in excess of your credit limit. The Minimum Payment Due is the sum of (a), (b) and (c); or Php500, whichever is higher.
Finance Charge
Computation
At every billing cycle, you have the option to pay the total statement balance, the minimum payment due, or any amount in between. A Finance Charge will be imposed should you choose not to pay the Total Statement Balance on or before the payment due date as set out in your Statement of Account. The Finance Charge is based on your Average Daily Balance (ADB) computed from transaction date for cash advance, credits/payments and retail transactions/monthly installments/fees until the next cycle cut-off. Any Finance Charge due but unpaid shall form part of the principal balance and will continue to earn Finance Charges.

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