Credit Cards   | EastWest Practical MasterCard

Practical MC EMV
The practical way to life's essentials!


Low Monthly Interest Rate

Why pay more? Your EastWest Practical MasterCard offers one of the lowest monthly interest rates at 3.25% for basic purchases from supermarkets, drugstores and gasoline stations and 3.49% for other purchases.

Light Monthly Payment

You only need to pay the minimum payment due on your payment due date which is only equivalent to 3.5% of your total statement balance or Php200, whichever is higher. You may also pay in full or any amount in between your total statement balance and minimum payment due. Should you opt to pay an amount less than your total statement balance, an interest charge will be applied.

Flexible Membership Fee Payment Option

Choose how you want to pay for your membership fee – annually, quarterly or monthly.

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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 Practical MasterCard.

Click here to view the Latest Promotions page.

Global Acceptance

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

Smart Chip Card

Your card is equipped with a smart chip for better security.

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.

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 and Cirrus 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 Practical MasterCard 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 Practical MasterCard. 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 a Supplementary EastWest Practical MasterCard. 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.


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 Practical MasterCard 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 Practical 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 Php400 shall be charged to your EastWest Practical MasterCard.

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EastWest Practical MasterCard
Annual Membership Fee*
Principal Card Supplementary Card
Php1,400 Php700
Interest Charge 3.25% per month for supermarket, drugstore and gasoline purchases (or 39% effective rate annually), computed based on average daily balance; 3.49% per month for other purchases (or 41.88% effective rate annually), computed based on average daily balance
Cash Advance Service
Fee & Interest Charge
3% of the cash advance amount or Php600, whichever is higher; and 3.49% interest charge imposed on the cash advance amount and Cash Advance Service Fee, which shall accrue from the date of availment until full settlement or payment.
Cash Advance
Over-the-Counter Fee
A fee of P500 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
P400 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 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 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
The Minimum Payment Due is the minimum amount that must be paid on or before your Payment Due Date to avoid Late Payment Charge. It is composed of the following: (a) 3.50% 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 any amount in excess of your credit limit; (b) past due amount, if any; 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.

*With options to pay Annually, Quarterly or Monthly

Click here to view sample interest computation


Submission of Basic
Customer Credit Data to CIC

Pursuant to RA 9510 or the Credit Information System Act, EastWest Bank is mandated to submit basic customer credit data and its succeeding updates to the Credit Information Corporation (CIC).

The information will be used by financial institutions and credit reporting agencies authorized by the CIC in evaluating the creditworthiness of prospective and existing customers.