Credit Cards   | EastWest Visa and MasterCard


It's all about experiencing life's privileges!

FEATURES

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.

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 schedule flight or common carrier.

Global Acceptance

As you travel within the Philippines and around the world, you may use your EastWest Credit Card  in more than 29 million establishments, in over 300 countries wherever MasterCard/VISA is accepted.

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, a finance 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 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. Transfer your other credit card balances to your EastWest Credit Card and enjoy great savings and lighter monthly installment payments with the Balance Transfer Facility.

Click here for the Balance Transfer Facility Terms and Conditions.

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 insurance premiums: 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.

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 sub-limit for each supplementary card to better manage your finances.

Click here to apply for an EastWest Supplementary Card.

24-Hour Customer Service Hotline

Call 888-1700 for any card inquiry or to report a lost card.

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 Credit Card 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 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 Credit Card.

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EastWest Visa/MasterCard
Annual Membership Fee
Principal Card Supplementary Card
Gold Classic Gold Classic
Php2,500 Php1,400 Php1,250 Php700
Finance Charge 3.50% per month, computed based on average daily balance (or 42% effective rate annually)
Cash Advance Service
Fee & Finance Charge
1% of the cash advance amount or Php500, 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.
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 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
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/VISA 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 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.
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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