Credit Cards   | EastWest Visa and MasterCard

Classic MC and VISA EMV
It's all about experiencing life's privileges!


Limitless Rewards

Every Php100 charged to your EastWest Credit Card will earn you 1 Rewards Point. Convert your Rewards Points into Limitless Rewards Vouchers which you may use to purchase merchandise or exchange for gift certificates at partner merchants.

Click here to view the Limitless Rewards Catalog.

EastWest Perks

EastWest offers an array of perks and privileges from shopping, dining, health & wellness, and travel & leisure partner merchants with the use of your EastWest Credit Card.

Click here to view the Latest Promotions page.

Click here to view the Premium Perks for Elite Credit Cards page.
* Applicable only to EastWest Gold Visa/MasterCard Credit Cardholders.

Global Acceptance

As you travel within the Philippines and around the world, you may use your EastWest Credit Card in more than 30 million establishments, in over 200 countries wherever MasterCard/Visa is accepted.

3D Secure Technology

EastWest makes your online transactions safer with 3D Secure. This protects against possible fraudulent use of your EastWest Credit Card in online shops that display the Verified by Visa and MasterCard SecureCode logos. Your purchases on these sites will be validated by entering a one-time password that will be sent to you via SMS to your mobile number on record.

Click here to know more.

Billings and Payments in Philippine Peso

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

Easy Repayment Terms

You have the option to pay the total statement balance, the minimum payment due, or any amount in between on your payment due date. Should you opt to pay an amount less than your total statement balance, an interest charge will be applied.

Cash Advance Facility

Get cash advances of up to 50% of your credit limit at any EastWest ATM, over-the-counter at any EastWest store 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 an interest charge will be imposed from the date of availment to the date of full settlement or payment.

Merchant Installment

Enjoy as low as 0% interest on selected items and installment terms at participating merchants.

Balance Transfer

Transfer your other credit cards' balances to your EastWest Credit Card and enjoy great savings and lighter monthly installment payments.

Click here for the Balance Transfer Facility Terms and Conditions.


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.

Click here to know more about the Convert-to-Installment Facility.

Insta-Cash Facility

Enjoy instant access to cash with your EastWest Credit Card through Insta-Cash Facility. Use the proceeds for your home improvements, travel, celebrating special occasions or any of your financial needs.

*Available to qualified EastWest Credit Cardholders only

Click here for the Insta-Cash Facility Terms and Conditions.

Quick Bills Facility

Take advantage of the most convenient way to pay for your utility and telecommunication bills, and insurance premiums with billers such as Bayantel, Digitel, Globe, Meralco, Philam Life and PhilPlans, PLDT & MyDSL, Red Mobile, SKYCable/SkyBroadband/SkyVoice, Smart & Smart Bro and Sun Cellular. Simply enroll in the Quick Bills Facility and your bills or insurance premiums will be automatically charged to your EastWest Credit Card. This means no more rushing to payment centers and waiting in long lines. Please call our 24-Hour Customer Service Hotline to enroll.

Click here to know more about the Quick Bills Facility.

Supplementary Cards

Share your spending privileges with your loved ones by giving them Supplementary EastWest Credit Cards. You can request up to 9 supplementary cards. At your option, you may also assign a monthly sub-limit* for each supplementary card to better manage your finances.

*Remains the same monthly for as long as the Principal Cardholder has an available credit limit

Click here to apply for an EastWest Supplementary Card.

24-Hour Customer Service

Call   888-1700   or   1-800-1888-8600   Domestic   Toll-Free   for   card   inquiries, lost card advice and Balance Transfer, Convert-to-Installment, or Supplementary Credit Card applications.

The above card features and benefits are subject to applicable terms and conditions.

Exclusive to Gold Cardholders:

FREE Travel Accident and Inconvenience Insurance

Enjoy up to Php20 Million worth of coverage for you and your family while on board a schedule flight or common carrier.

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

Contactless Technology

Enjoy hassle-free shopping at select partner merchants by simply holding up your card against contactless terminals for payment of purchases.

Click here to find out more about MasterCard PayPass.

Click here to find out more about Visa PayWave.


Your monthly Statement of Account (SOA) may be sent to your e-mail address on record or to your billing address.

Enjoy the benefits of the electronic Statement of Account (e-SOA) Facility – it’s convenient, secure and earth-friendly. Your e-SOA will be sent to your e-mail address in a password protected PDF file. With an e-SOA, you can view your SOA anytime and keep the file without the paper clutter. An SMS advisory will be sent to your mobile number on record to let you know that your e-SOA has been sent.

Click here to know more about EastWest Credit Cards’ e-SOA Facility.

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You can report the loss of your EastWest Credit Card anytime, anywhere through our 24-Hour Customer Service Hotline at 888-1700 or 1-800-1888-8600 Domestic Toll-Free 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 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 Php400 shall be charged to your EastWest Credit Card.

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EastWest Visa/MasterCard
Annual Membership Fee
Principal Card Supplementary Card
Gold Classic Gold Classic
Php2,500 Php1,500 Php1,250 Php750
Interest Charge 3.50% per month, computed based on average daily balance (or 42% effective rate annually)
Cash Advance Service
Fee & Interest Charge
3% of the cash advance amount or Php600, whichever is higher; and 3.50% interest 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 stores in addition to the cash advance service fee and applicable interest charge. The proceeds of the over-the-counter cash advance transaction shall be net of the Over-the-Counter Fee.
Late Payment Charge 7.50% of the minimum payment due or Php500, 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
Php400 for every card replacement
Foreign Currency
Conversion Fee
Transactions made in foreign currencies/merchants or those processed by foreign acquirers shall be automatically converted to Philippine Peso at the Visa/MasterCard currency conversion rate on the day the transaction is processed, plus a Foreign Currency Conversion Fee of 2.50% which is comprised of the Visa/MasterCard Assessment Fee and EastWest Service Fee.
Gambling and Gaming Fee A 5% 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 EastWest Accredited Payment Channels posted within a statement cycle. A P50 fee will be charged for each EastWest Credit Card posted payment  after the 3rd  posted payment transaction. Payments made in EastWest Payment Channels will not incur any charges.
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 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.
Interest Charge
At every billing cycle, you have the option to pay the total statement balance, the minimum payment due, or any amount in between. An Interest 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 Interest 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 Interest Charge due but unpaid shall form part of the principal balance and will continue to earn Interest Charges.

Click here to view sample interest computation