It’s all about experiencing life’s privileges!
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UNIQUE BENEFITS AND PRIVILEGES
FREE Family Accident and Dismemberment Protection
Receive cash support of up to Php300,000 for you and/or your family members
in the event of an accidental misfortune.
FREE Life Insurance Protection
Receive cash assistance worth Php50,000, for your peace of mind.
FREE Travel Accident and Inconvenience Insurance (for Gold Cardholders)
Enjoy up to Php20 Million worth of coverage for you and your family while on board a scheduled flight or common carrier.
FREE Hospitalization Reimbursement Benefit*
Reimburse** up to Php10,000 of your hospitalization expenses.
Please refer to the Health & Protection Benefits Guidebook for details.
*Subject to a minimum spend requirement of Php40,000 within 1 membership year.
**To qualify for the reimbursement option, you will first need to charge the hospitalization expense to your EastWest Bank Credit Card.
Limitless Rewards
Every Php100 charged to your EastWest Bank Credit Card will earn you 1 Rewards Point. Convert your Rewards Points into Rewards Vouchers which you may use to purchase merchandise or exchange for gift certificates at partner merchants.
Terms and conditions for each benefit or privilege apply.
Click here to view the Limitless Rewards 2010 Catalog.
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OTHER CARD FEATURES
Global Acceptance
As you travel within the Philippines and around the world, you may use your EastWest Bank Credit Card
in more than 29 million establishments worldwide, in over 300 countries wherever MasterCard/VISA is accepted.
Billings and Payments in Philippine Peso
All your purchases, whether local or international, shall be paid in Philippine Peso to allow you to
keep your foreign currency intact.
Easy Repayment Terms
You have the option to pay the total amount due, the minimum payment due, or any amount in between on
your payment due date.
Cash Advance Facility
Get cash advances of up to 50% of your credit limit at any EastWest Bank ATM, over-the-counter at any
EastWest Bank branch nationwide or at any ATM displaying the MasterCard, Cirrus, VISA and VISA Plus 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 at 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.
What’s more, 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 Philam
insurance premiums: Globe, Meralco, PLDT & MyDSL, SKYCable, Smart & Smart Bro, Philamlife and Philam Plans.
Simply enroll in the Quick Bills Facility and your bills or insurance premiums will be automatically charged
to your EastWest Bank Credit Card. This means no more rushing to payment centers and waiting in long lines.
Plus, earn double Rewards Points for every Php100 of Philam insurance premiums auto-charged through the Quick Bills
Facility.
Supplementary Cards
You can share your spending privilege to up to 9 supplementary cardholders.
24-hour Customer Service Hotline IVRS
Call 888-1700 for any card inquiry or to report a lost card. EastWest Bank Customer Service Hotline’s IVRS
is available 24 hours a day, 7 days a week.
The above card features are subject to applicable terms and conditions.
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LOST CARD PROTECTION
You can report the loss of your EastWest Bank Credit Card anytime, anywhere through our 24-hour
Lost Card 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 Bank Credit Card 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 Bank Credit Card.
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SUMMARY OF FEES AND CHARGES
| Annual Membership Fee |
|---|
| PRINCIPAL CARD |
SUPPLEMENTARY CARD |
| Classic |
Gold |
Classic |
Gold |
| Php1,200 |
Php2,500 |
Php600 |
php1,200 |
| Other Fees and Charges |
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| Finance Charge |
3.50% per month, computed based on average daily balance (or 42% effective rate annually)
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| Cash Advance Service Fee & Finance Charge |
5% of the cash advance amount or Php300, whichever is higher; and 3.50% finance charge
imposed on the cash advance amount, which shall accrue from the date of availment until
full settlement or payment
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| Cash Advance Over-the-Counter Fee |
A fee of Php100 will be charged for cash advance transactions availed over-the-counter at
EastWest Bank 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.
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| Late Payment Charge |
6.50% of the minimum payment due or Php200, whichever is higher
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| Over Credit Limit Fee |
Php500 will be charged whenever the outstanding balance exceeds the prescribed credit limit
within the billing period.
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| Returned Check Fee |
Php500 for every returned check
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| 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
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| Card Replacement Fee |
Php200 for every card replacement
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| Foreign Currency Conversion Fee |
Transactions made in foreign currencies/merchants shall be automatically converted to Philippine
Pesos at the MasterCard/VISA currency conversion rate plus EastWest Bank’s foreign currency
conversion fee of 2.50% at the time the transaction is posted.
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| Installment Pre-Termination Processing Fee |
5% of the remaining principal balance or Php500, whichever is higher
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| Closed Card Account Service Fee |
For Closed Card Accounts which have credit balances, the cardholder shall make the appropriate
arrangements with EastWest Bank to collect the credit balance within three (3) months from the
date when the Card Account is closed. Otherwise, EastWest Bank shall deduct from such credit
balance a monthly service fee of Php200 to cover for administrative costs incurred by EastWest
Bank in maintaining the cardholder’s account.
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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. If you do not pay the total statement balance on or before the payment due date as set out in your Statement of Account, a Finance Charge will be imposed. The Finance Charge is based on your Average Daily Balance (ADB) computed from transaction date for cash advance and credits/payments and posting date for retail transactions/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.
Minimum Payment Due Computation
Your Statement of Account shall show your Minimum Payment Due composed of the following: (a) past due amount; (b) 4% 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 Php200, whichever is higher.
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