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Promo Mechanics

1. The promo is open to all EastWest credit cardholders (”Cardholders”) in good credit standing. *

2. The promo period is from October 1 to December 31, 2026.

3. Cardholders get to shop and pay 2 months later at 0% installment for up to 24 months on select items. The minimum purchase amount for installment is Php3,000 (single or multiple item purchases), unless otherwise stated by the partner merchant. Installment offers may vary. Check with the merchant for the specific installment offer. Partner merchant has the sole discretion on the items/services and term/s applicable for the 0% installment and Shop Now, Pay Later offering

4. 0% interest on installment sample computation:

ItemItem PriceTermMonthly Amortization (Price ÷ Term)Total Amortization (Monthly Amortization x Term)
Item A3,000.003 mos.1,000.003,000.00
Item B10,000.006 mos.1,666.6710,000.00
Item C15,000.009 mos.1,666.6715,000.00
Item D20,000.0012 mos.1,666.6720,000.00
Item E30,000.0018 mos.1,666.6730,000.00
Item F35,000.0024 mos.1,458.3335,000.00

 

5. The 0% interest on installment offer shall apply, provided that the Cardholders pay their Total Statement Balance in full. Each fixed monthly installment forms part of the Total Statement Balance. In case of partial payment by the Cardholder of the installment amount, the unpaid balance shall incur the usual finance charges imposed on revolving balances in accordance with the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards.

6. All 0% interest on installment transactions are subject to EastWest’s credit authorization criteria upon purchase of goods.

7. The Cardholder's EastWest credit card account must be active and current at all times. In the event that the Cardholder's EastWest Credit Card is suspended, cancelled, or not renewed, or should the Cardholder fail to make payments, breach or violate the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards, the remaining unpaid installment amount, as well as the entire outstanding balance of the Cardholder's EastWest credit card account, shall immediately become due and demandable.

8. If the Cardholder pays the installment amount in full per month but has an outstanding or revolving balance on his/her previous/other purchases or installment availments, his/her EastWest credit card account shall likewise incur finance charges.

9. In case of pre-termination, the Cardholder agrees to pay an Installment Pre-termination Processing Fee equivalent to 5% of the remaining principal balance or Php500, whichever is higher.

10. Terms and Conditions for Merchant Installment indicated in the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards shall apply.

11. By joining this promo, the Cardholder confirms that he/she has read, understood, and agreed to the mechanics of the promo, including, but not limited to, these terms and conditions.

12. For any inquiry on the promo or concern on the credit card account, Cardholders may contact the EastWest 24-Hour Customer Service Hotline at (+632) 8888-1700 or e-mail cards@eastwestbanker.com.

13. All questions or disputes related to the Cardholder’s eligibility for the promo shall be resolved by EastWest. In case of disputes relating to the promo, the decision of EastWest shall be based on and resolved in accordance with these promo mechanics and DTI rules and regulations, without prejudice to the Cardholder’s right to seek further recourse under applicable laws and regulations.

 

*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 violated any of the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards.

 

Per DTI Fair Trade Permit No. FTEB-268478, 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 (BSP). www.bsp.gov.ph

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