EastWest Visa and Mastercard

EastWest Visa Card
EastWest Master Card

It's all about experiencing life's privileges!

Features & Benefits

Limitless Rewards
Every Php100 charged to your EastWest credit card will earn you 1 Rewards Point. Convert your Rewards Points into eGift Rewards and Limitless Rewards Vouchers which you may use to purchase merchandise or exchange for gift certificates at partner merchants. Or, you may also redeem Miles or Cash Rebates.
Learn more.

FREE Travel Accident and Inconvenience Insurance
(for Gold Cardholders)

Delve into breathtaking views of the world without worries. You and your family are covered for up to Php20 Million with comprehensive travel accident and inconvenience insurance when international/domestic air, land, and sea travel fares are purchased using your EastWest credit card.
Learn more.

Special Perks and Privileges
Enjoy year-round special discounts and privileges from partner merchants - from shopping, dining, health and wellness, to travel and leisure when you use your EastWest credit card.
View the latest credit card promos.

Supplementary Cards
Share your spending privileges with your loved ones by giving them supplementary EastWest credit cards. You can request up to nine (9) supplementary cards. You may also assign a monthly sub-limit1 for each supplementary card to better manage your finances.
Apply now.

Global Acceptance
Use your EastWest credit card anywhere in the Philippines and across the world wherever Visa/Mastercard is accepted. That’s over 46 million establishments in over 200 countries worldwide.

Secure and Convenient Payment
Experience peace of mind with technology-enabled features that ensure your payments are secure every time you use your EastWest credit card.

  • It has an EMV smart chip embedded on the card that prevents duplication of your card details when you make a transaction in physical stores and establishments.
  • It has 3D Secure that gives you added transaction payment authentication in online shops with the Verified by Visa and Mastercard® SecureCode logo. To complete your online purchase, you are required to enter a unique 6-digit One-Time Password (OTP) that is sent to your registered mobile number. For worry-free online shopping, always keep your mobile number updated. Call the EastWest 24-Hour Customer Service Hotline should you need to change the mobile number on record.
  • It has the Visa payWave and Mastercard® contactless technology that enables quick and safe checkout experience. Just look for the universal contactless symbol on the point-of-sale terminal in establishments worldwide to enjoy the convenience of Tap & Go®.

Billings and Payments in Philippine Peso
All your purchases, whether here or abroad, are billed in Philippine Peso to allow you to keep your foreign currency intact.

Easy Payment Terms
Choose to pay your Total Statement Balance or at least the Minimum Payment Due on your billing due date. An Interest Charge will be charged if your payment by the Payment Due Date is less than your Total Statement Balance.

Cash Advance Facility
Get cash whenever you need it with up to 50% of your credit limit. Simply withdraw from an ATM bearing the Mastercard, Cirrus, Visa and Visa Plus logos anywhere in the world or at any EastWest ATM using your Cash Advance Personal Identification Number (CA-PIN).

Merchant Installment
Pay for high-ticket purchases on fixed monthly installment terms at 0% interest on select items at partner establishments.

Balance Transfer
Transfer your other credit card’s balances to your EastWest credit card and enjoy great savings and lighter monthly installment payments.
Learn more.

Convert-to-Installment
You have the option to convert your high-ticket shopping and travel expenses to installment payable in 6, 12, 18, or 24 easy payment installment terms at low monthly add-on interest rates.
Learn more.

Insta-Cash Facility2
Convert your available credit limit for the extra cash you need at low monthly add-on interest rates and easy payment installment terms.
Learn more.

Quick Bills Facility
Experience the convenience to auto-charge your electric bill, phone, cable and internet subscriptions, and even insurance premiums. Enroll in the Quick Bills facility through the EastWest 24-Hour Customer Service Hotline, EastWest Online Banking, EastWest Mobile Banking, or send the accomplished enrollment form3 to cards@eastwestbanker.com.
Learn more.

Automatic Enrollment to Electronic Statement of Account Facility
Safe, on-time and secure. You will automatically receive your password-protected electronic Statement of Account (e-SOA) monthly to your primary registered e-mail address on record. Conveniently view and download within five (5) banking days from your statement cut-off date. You will even be notified through SMS to make sure you don’t miss it.
Learn more.

You can also conveniently access your e-SOA anytime, through EastWest Online and EastWest Mobile App.

Anytime, Anywhere Online Access to your EastWest Credit Card Account

  • EastWest Online
    View your credit card balance, download your electronic statement, update your contact details, and more, conveniently, and securely. To enroll, launch www.ewbanker.com on your browser and click on the enrollment link.
  • EastWest Mobile App
    Check your available credit limit, rewards/rebate balance, and more. To enroll, just download the EastWest Mobile app on App Store for iOS, Google Play for Android, or AppGallery for Huawei.

Customer Service
For lost card report and additional services, contact EastWest through:

24-hour Customer Service (+632) 8888-1700
24-hour Lost Card Hotline (+632) 8888-1700 (press 3)
Customer Service E-mail cards@eastwestbanker.com
Customer Service Text Facility EWBCC<space><your message>
and send to (0917) 888-1700

Note: E-mail and text facilities are available from Mondays-Fridays from 8:30 A.M. to 5:30 P.M. All requests received after 5:30 P.M. or during holidays/weekends will be responded to on the next banking day.

1Valid for as long as the principal Cardholder’s credit limit is available to cover for the assigned supplementary Cardholder monthly sub-limit.
2Available to qualified EastWest credit cardholders only.
3Available in www.ewbanker.com/info/promo_QuickBills.asp.

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 2% per month or 24% effective rate annually
Cash Advance Service Fee and Interest Charge Php200 per cash advance availment; and 2% 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
Late Payment Charge Php1,500 or the unpaid Minimum Payment Due, whichever is lower
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
Gold Card Classic Card
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 1.70% which is comprised of Visa/Mastercard's Assessment Fee and EastWest's Service 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 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, 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 Processing Fee A fixed processing fee will be applied for every approved Insta-Cash, Balance Transfer and Convert-to-Installment transactions. Php250 via electronic channels (ESTA or EastWest System Tech Assistant chatbot, EastWest Online and EastWest Mobile App) or Php500 via our Customer Service hotline.
Installment Pre-Termination Fee 5% of the remaining principal balance or Php500, whichever is higher, for every processed pre-termination on Merchant Installment, Balance Transfer, Insta-Cash and Convert-to-Installment
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 will be composed of the following: (a) 3% 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 card limit; (b) past due amount, if any; and (c) any amount in excess of your credit card 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. 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.
Statement of Account Printing and Delivery Fee Php200 for every additional copy of credit card Statement of Account

View the Sample Interest Computation here.


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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
(+632) 8888-1700

Email us
cards@eastwestbanker.com

Find a Store or ATM