EastWest Platinum Mastercard

EastWest Peso Money Market Fund

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.

EastWest 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.  View the latest credit card promos.

And, 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. Learn more.

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 card's data and credit limit. Learn more.

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. Learn more.

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 1200 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. Learn more.

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.

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 30 million establishments, and in over 200 countries.

Smart Chip & Contactless Technology
Your card is equipped with a smart chip for better security. Plus, with the advanced contactless technology of Mastercard PayPass, you may enjoy tap-and-go convenience in paying for your purchases at any Mastercard PayPass merchant worldwide. Learn more about Mastercard PayPass.

3D Secure Technology
EastWest makes your online transactions safer with 3D Secure. This protects against possible fraudulent use of your EastWest Platinum Mastercard in online shops that display the Verified by Mastercard SecureCode logo. 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. Learn more.

Billings and Payments in Philippine Peso
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, an interest 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 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 (CA PIN) and an interest 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.

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

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. Learn more.

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

*Available to qualified EastWest credit cardholders only

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, 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 Platinum Mastercard. This means no more rushing to payment centers and waiting in long lines. Please call our 24-Hour Customer Service Hotline to enroll. Learn more.

Supplementary Cards
Share your spending privileges with your loved ones by giving them a Supplementary EastWest Platinum Mastercard, with annual membership fees waived perpetually. You can request up to 9 supplementary cards. You may also assign a sub-limit* for each supplementary card to better manage your finances. Apply now.

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

24-Hour Customer Service
For any inquiry, request or to report a lost card, you may call the EastWest Customer Service Hotline at (02) 8888-1700 and our highly-trained customer service representatives will be more than willing to assist you.

Terms and conditions for each card feature apply.

Statement of Account
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. Learn more.

Lost Card Protection

You can report the loss of your EastWest Platinum Mastercard anytime, anywhere through our 24-Hour Customer Service Hotline at (02) 8888-1700. 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 delivered within 7 to 9 banking days from the time the card was reported lost. For addresses outside Metro Manila, replacement cards will be delivered within 9 to 12 banking days from the time the card was reported lost. A Card Replacement Fee of Php400 shall be charged to your EastWest Platinum Mastercard.

Summary of Fees and Charges

EastWest Platinum Mastercard
Annual Membership Fee
Principal Card Supplementary Card
Waived Perpetually Waived Perpetually
Interest Charge 2.75% per month or 33% effective rate annually
Cash Advance Service Fee and Interest Charge 3% of the cash advance amount or Php600, whichever is higher; and 2.75% 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 of the latest Total Statement Balance
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 Cash Advance Over-the-Counter Fee.
Late Payment Charge 8% of the Minimum Payment Due
Over Credit Limit Fee Php500 will be charged whenever the outstanding balance exceeds the prescribed credit limit within the billing period.
Returned Check Fee Php1,500 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 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 1.70% which is comprised of Mastercard's Assessment Fee and EastWest's 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, gaming chips, as well as any other values in conjunction with any gaming or gambling activity.
Multiple Payment Fee Cardholders are allowed a maximum of three (3) payment transactions in EastWest-accredited Payment Channels posted within a statement cycle. A Php50 fee will be charged for each payment posted after the third payment transaction. Payments made in EastWest Payment Channels will not incur any charge.
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 card account closing date. 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) 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 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 Php500, whichever is higher.
Interest 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, an Interest Charge will be imposed. The Interest Charge in your current Statement of Account is based on the daily interest rate (monthly interest rate divided by 30) multiplied by (a) your unpaid Total Statement Balance from your previous Statement date until the date prior to payment, and (b) your cash advance amount and Cash Advance Service Fee from the date of availment until full settlement or payment of the latest Total Statement Balance.

View the Sample Interest Computation here.



Know the details on the conversion of Standard Chartered Bank Credit Card
to EastWest Credit Card.

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.

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