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 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.

EastWest Perks
EastWest offers an array of perks and privileges from shopping, dining, health & wellness, to travel and leisure 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.

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 scheduled flight or common carrier. Learn more.

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.

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

Learn more about Visa payWave and Mastercard PayPass.

3D Secure Technology
Online transactions are now made safer with 3D Secure. This protects you against possible fraudulent use of your EastWest credit card in online shops that display the Verified by Visa and/or Mastercard SecureCode logos. Your purchases on these sites will be validated by entering a One-Time Password (OTP) that will be sent to your mobile number on record. As such, always keep your mobile number updated through EastWest's 24-Hour Customer Service Hotline. 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 Payment Terms
At every billing cycle, you can choose to pay the Total Statement Balance, the Minimum Payment Due, or any amount in between on or before 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
Your EastWest credit card allows you to avail yourself of cash advances of up to 50% of your credit limit at any EastWest ATM or at any ATM displaying the Mastercard, Cirrus, Visa and Visa Plus logos. Cash advance can be availed using your unique Cash Advance Personal Identification Number (CA-PIN).

Merchant Installment
Enjoy as low as 0% interest on selected items and installment terms at participating merchants.

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 terms at low monthly add-on interest rates. Learn more.

Insta-Cash Facility1
Enjoy access to cash with your EastWest credit card through Insta-Cash Facility at low monthly add-on interest rates and flexible installment terms. Use the proceeds for your home improvements, travel, celebrating special occasions, or any of your financial needs. Learn more.

1Available 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, PhilPlans, PLDT & MyDSL, Red Mobile, SKYCable, SKYBroadband & SKYVoice, Smart & Smart Bro, Sun Cellular, and Troo. Simply enroll in the Quick Bills Facility and your bills or insurance premiums will be automatically charged to your EastWest credit card. 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. You may also assign a monthly sub-limit2 for each supplementary card to better manage your finances. Apply now.

2Remains the same monthly as long as the Principal Cardholder has an available credit limit.

Electronic Statement of Account Facility
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 primary 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.

EastWest Online
Bank with confidence anytime, anywhere with EastWest Online Banking. View your credit card balance, download your electronic statement, update your contact details, and more, conveniently and securely. Enroll now and enjoy a safe and smart way to bank! Enroll now.

24-Hour Customer Service
For your utmost convenience, EastWest's Customer Service is available 24 hours a day, 7 days a week. Call (+632) 8888-1700 for card inquiries, lost card advice, Convert-to-Installment, Insta-Cash, Supplementary Credit Card applications, or for any concern you may have.

Card features and benefits are subject to applicable terms and conditions.

Lost Card Protection

Please immediately report the loss of your EastWest credit card through EastWest's 24-Hour Customer Service Hotline at (+632) 8888-1700. 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 or 42% effective rate annually

Starting November 3, 2020: 2% per month or 24% effective rate annually
Cash Advance Service Fee and 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 of the latest Total Statement Balance

Starting November 3, 2020: 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 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
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 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) 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 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.

Starting January 15, 2021: 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.

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

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