JCB MEMBER-GET-MEMBER PROMO
Get as much as Php 3,000 cash credit for every successful EastWest JCB Credit Card referral!
TERMS AND CONDITIONS
A. REFERRER INCENTIVE
1. The EastWest Member-Get-Member ("MGM") Promo is open to principal EastWest JCB Credit Cardholders, herein referred to as "Referrer", who receive a Viber/SMS message or electronic direct mailer (e-DM) and are in good credit standing.* Employees of EastWest are not qualified to join the promo.
2. Promo period is from September 1 to December 31, 2026.
3. Referrers must register for the promo via the EastWest System Tech Assistant or ESTA chatbot where they will be asked to enter a one-time password or (OTP), which will be sent to their registered mobile number for account verification.
4. Upon successful registration, Referrers will be sent a unique referral link via ESTA, which they can forward to their Referrals, e.g., relatives and friends.
5. To qualify for cash credits, the Referrer must ensure that his/her Referrals apply for EastWest JCB Credit Cards through ESTA using the referral link that was forwarded to them.
6. Referrals must meet the following criteria:
- Must not be an existing principal EastWest Credit Cardholder or have a cancelled EastWest Credit Card within the promo period;
- Must be 21 to 65 years old, a Filipino citizen and residing in the Philippines;
- Must have a residence landline or postpaid mobile phone AND business landline; and
- Must have a Gross Annual Income of:
| Credit Card Type | Gross Annual Income |
|---|---|
| JCB Gold | Php480,000 |
| JCB Platinum | Php1,000,000 |
7. To qualify for the Promo, the Referral’s application must be:
- received within the promo period; and
- submitted with complete information and documentary requirements via ESTA
8. Only applications coursed through ESTA with complete information and documentary requirements shall be processed. Incomplete Referral applications shall be cancelled. All submitted MGM applications and documentary requirements shall belong to EastWest and shall not be returned.
9. For every approved Referral, the Referrer will receive a cash credit (“Referrer Incentive”) depending on the Referral’s approved card type.
| Referral’s Approved Credit Card Type | Cash Credit |
|---|---|
| JCB Gold | Php1,500 |
| JCB Platinum | Php3,000 |
10. The Referrer must be in good credit standing* throughout the duration of the promo period until the posting of cash credit/s. Otherwise, the Referrer Incentive will be forfeited in favor of the Bank.
11. In the event that the Referral is referred by two (2) or more Referrers, the Referrer Incentive shall be awarded to the Referrer whose referral link was clicked on first by the Referral regardless of whether the application was completed through another referral link. The Bank shall enforce a strict policy allowing only one (1) Referrer Incentive per valid, approved Referral.
12. Referrers will be notified of their Referral’s application status through their e-mail address and mobile number on record. Referrer Incentive will be posted on the Referrer’s credit card Statement of Account (SOA) on the next billing cycle from the approval date of their Referral.
13. Disputes regarding the Referrer’s eligibility, coverage of the promo dates, and fulfillment shall be resolved by EastWest at its sole discretion with prior approval from DTI.
B. REFERRAL INCENTIVE
1. Newly approved Referrals under the EastWest Member-Get-Member ("MGM") Promo shall be eligible for the Referral welcome gift, provided that the approved Referral is “new-to-bank”. New-to-bank means that the approved Referral is not an existing principal EastWest Credit Cardholder, or does not have a cancelled principal EastWest Credit Card within the promo period.
2. Promo period is from September 1 to December 31, 2026.
3. The Welcome Gift shall be in the form of cash credit subject to the spend requirement per approved card type as follows:
| Referral’s Approved Credit Card Type | Cash Credit | Spend Requirement |
|---|---|---|
| JCB Gold | Php1,500 | Php7,000 |
| JCB Platinum | Php3,000 | Php10,000 |
4. The spend requirement may be composed of a single or accumulated transaction/s. Only straight/retail transactions, merchant installment, Insta-Cash and Balance Transfer transactions (where the principal amount is considered), online purchases, mail/telephone order (MOTO) transactions and Quick Bills/ auto-charge transactions are eligible under the promo. Cash advance availments, Balance Conversion and Convert-to-Installment transactions, fees and charges are not considered as qualified spend for the promo.
5. The Referral will qualify for the cash credit once he/she meets the minimum spend requirement within ninety (90) days from the date of card approval (the “Spend Period”).
6. The Bank shall enforce a strict policy allowing only one (1) Referral Welcome Gift per valid, approved Referral.
7. The cash credit will be posted in the approved Referral’s Statement of Account (SOA) within forty-five (45) days after the Referral has reached the spend requirement.
8. The Referral must be in good credit standing* throughout the promo period, spend period and until the crediting of the Welcome Gift. Otherwise, the Welcome Gift will be forfeited in favor of EastWest.
9. The promo offer may not be availed in conjunction with other EastWest acquisition/activation promos. In case the approved Referral qualifies for more than one promo, he/she may only avail of one offer. Multiple or invalid promo availments may result to charging the full cost of the reward to the approved Referral’s account, subject to applicable laws and regulations.
10. The approved Referral understands and agrees that, as a condition for receiving the Welcome Gift under this promo, he/she shall retain his/her EastWest JCB Credit Card until its next anniversary date. In the event that the approved Referral cancels his/her EastWest JCB Credit Card prior to its next anniversary date, he/she shall be charged through his/her EastWest JCB Credit Card an amount not exceeding the value of the Welcome Gift awarded.
11. The issuance and use of the EastWest JCB Credit Card are subject to the Bank’s credit policies and the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards. Card type issuance is subject to the existing marketing program guidelines, credit policies and procedures of EastWest.
12. Disputes regarding the Referral’s eligibility, coverage of the promo dates, and fulfillment shall be resolved by EastWest at its sole discretion with prior approval from DTI.
*Cardholders in good credit standing are those whose accounts are not delinquent, not under investigation due to suspected fraudulent activities, those whose EastWest credit cards are not reported lost or stolen and those who have not, otherwise, violated any of the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards.
Per DTI Fair Trade Permit No. FTEB-265996, Series of 2026.
For inquiries and feedback, you may call the EastWest 24-Hour Customer Service Hotline at (+632) 8888-1700 or e-mail cards@eastwestbanker.com. EastWest is regulated by the Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph