EastWest Visa and Mastercard

EastWest Visa Card
EastWest Master Card

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. Learn more.

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.

View the latest credit card promos.

View the EastWest Gold Visa and Mastercard credit cards' Premium Perks.

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 worldwide, in over 200 countries wherever Visa/Mastercard 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. Learn 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 (CA-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. Learn more.

Convert-to-Installment
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 credit card 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 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. Learn more.

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. Apply now.

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

24-Hour Customer Service
Call (02) 888-1700 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.

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.


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. Learn more.

Contactless Technology
Enjoy hassle-free shopping at select partner merchants by simply holding up your card against contactless terminals for payment of purchases. Learn more about Mastercard PayPass and Visa Paywave.

Lost Card Protection

You can report the loss of your EastWest credit card anytime, anywhere through our 24-Hour Customer Service Hotline at (02) 888-1700. 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 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 credit card.

Summary of Fees and Charges

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 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 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 Visa/Mastercard currency conversion rate on the day the transaction is processed, plus a Foreign Currency Conversion Fee of 2.50% for Classic Visa/Mastercard and 1.70% for Gold Visa/Mastercard which is comprised of Visa/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 or 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 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 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 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) 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 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 Computation 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.
View the Sample Interest Computation.

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IMPORTANT ADVISORY

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


IMPORTANT ADVISORY
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.





Contact Us

Customer Service
(02) 888-1700

Email us
cards@eastwestbanker.com

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