EastWest credit cards
EastWest offers 12 consumer credit cards, with annual fees from ₱0 to ₱5,000, interest of 3% a month.
For card concerns, call EastWest at (632) 8888-1700 or 1-800-1888-8600 (24 hours. The 1-800 number is toll-free).
The cheapest EastWest card to hold and carry a ₱20,000 balance on for 3 months is the EastWest Platinum Mastercard at ₱1,212, 2nd of 127 cards open to the public; the lowest income asked is ₱480,000 a year, on the EastWest foodpanda Visa.
Fees and rates as printed on EastWest's fee table; contact and application details from EastWest's own site; the interest ceiling is set by the Bangko Sentral ng Pilipinas in BSP Circular No. 1165, s.2023.
BSP supervised: East West Banking Corporation, universal and commercial bank, BSP institution ID 32, is on the BSP Verifier list dated Sep 28, 2026.
EastWest credit card hotline and customer service
| Card hotline | (632) 8888-1700 or 1-800-1888-8600 24 hours. The 1-800 number is toll-free.EastWest contact page |
|---|---|
| Lost or stolen card | (632) 8888-1700 Call the 24-hour hotline and press 3, or report it through the ESTA chatbot.EastWest contact page |
| Calling from abroad | 1-866-828-6296 Toll-free from the United States.EastWest contact page |
| Other channel | Email cards@eastwestbanker.com (email and text service Monday to Friday, 8:30 AM to 5:30 PM) bank page |
| Other channel | Text EWBCC <your message> to (0917) 888-1700 bank page |
Call only the numbers printed on EastWest's own site.
How to apply for a EastWest credit card
Where to apply: Apply online through EastWest's ESTA chatbot; every Apply Now button on EastWest's card pages opens it. bank page
How long it takes: 10 to 15 banking days. Submitted documents are not returned. bank page
Check your EastWest application status
Use the Check Application Status button on EastWest's credit cards page. EastWest application status
EastWest credit card requirements
Who can apply
- Filipino citizen or local resident foreigner
- Principal applicants at least 21 years old
- Minimum gross annual income per card: ₱480,000 (EveryDay Titanium, foodpanda Visa, JCB Gold, Dolce Vita, Puregold), ₱1,000,000 (Visa Platinum), ₱1,800,000 (Platinum Mastercard)
- A residence landline or mobile number, and a business landline
- A home or business address in EastWest's service areas (Metro Manila and listed provincial cities and towns)
Requirements as the bank lists them
Documents if you are employed
- Completed EastWest credit card application form
- Copy of one valid ID with photo and signature (company ID, driver's license, passport, PRC, SSS, BIR or postal ID)
- Plus one of: latest BIR Form 2316 or ITR; COE with pay breakdown; letter of appointment; latest salary adjustment memo; last 3 months' payslips; latest service record (government); or another credit card with its latest statement
Requirements as the bank lists them
Documents if you are self-employed or a freelancer
- Application form and one valid ID
- Latest BIR Form 1701/ITR
- Latest Audited Financial Statements (if applicable)
- Another credit card and its latest statement
Requirements as the bank lists them
Other applicants
- Foreign residents, one of: ACR with permanent status, 9d or 9g visa, SIRV, PEZA 47(a)(2) visa, or embassy certification
Requirements as the bank lists them
The income tax return asked of self-employed applicants is the annual BIR Form 1701. The certificate employees attach is BIR Form 2316, which your employer issues.
Income: each card has its own floor, from ₱480,000 a year on the EastWest foodpanda Visa. The table below shows every card's.
Which EastWest card to pick
| If | Pick | Why | Watch out |
|---|---|---|---|
| You want the lowest cost | EastWest Platinum Mastercard | Cheapest EastWest card on a ₱20,000 balance paid off in 3 months plus a year of fees: ₱1,212. | Needs at least ₱1,800,000 a year in income. |
| You are applying for your first card | EastWest foodpanda Visa | Lowest stated income requirement at EastWest: ₱480,000 a year. | The ₱1,200 fee is charged every year after the waiver ends. |
| You want a travel and miles card | EastWest Platinum Mastercard | Lowest yearly fee among EastWest's travel and miles cards: No annual fee. | Needs at least ₱1,800,000 a year in income. |
| You want a cash back card | EastWest foodpanda Visa | Lowest yearly fee among EastWest's cash back cards: ₱1,200 a year. | The ₱1,200 fee is charged every year after the waiver ends. |
Every EastWest card compared
Source: EastWest fees and charges and each card's product page. Networks: Mastercard, Visa, JCB.
How EastWest bills: minimum due, fees and interest
| Late payment fee | Php 1,500 or the unpaid Minimum Payment Due, whichever is lower. EastWest credit card fees and charges |
|---|---|
| Foreign transactions | A service fee of 2.50% comprised of Mastercard Assessment Fee and EastWest’s Service Fee is applied to the following transactions, whether made in/outside the Philippines or online: a) Transactions that are charged in foreign-denominated currency then converted and billed in Philippine Peso using the prevailing Mastercard currency conversion rate on the day the transaction is processed; and b) Transactions that are automatically converted then charged in Philippine Peso by a foreign acquirer at point-of-sale. EastWest Platinum Mastercard, EastWest Dolce Vita Titanium Mastercard. EastWest credit card fees and charges |
| Foreign transactions | A service fee of 2.00% comprised of JCB Assessment Fee and EastWest’s Service Fee is applied to the following transactions, whether made in/outside the Philippines or online: a) Transactions that are charged in foreign-denominated currency then converted and billed in Philippine Peso using the prevailing JCB currency conversion rate on the day the transaction is processed; and b) Transactions that are automatically converted then charged in Philippine Peso by a foreign acquirer at point-of-sale. EastWest JCB Gold, EastWest JCB Platinum. EastWest credit card fees and charges |
| Foreign transactions | A service fee of 1.70% comprised of Mastercard Assessment Fee and EastWest’s Service Fee is applied to the following transactions, whether made in/outside the Philippines or online: a) Transactions that are charged in foreign-denominated currency then converted and billed in Philippine Peso using the prevailing Mastercard currency conversion rate on the day the transaction is processed; and b) Transactions that are automatically converted then charged in Philippine Peso by a foreign acquirer at point-of-sale. EastWest Singapore Airlines KrisFlyer Platinum Mastercard, EastWest Singapore Airlines KrisFlyer World Mastercard. EastWest credit card fees and charges |
| Foreign transactions | A service fee of 1.70% comprised of Visa Assessment Fee and EastWest’s Service Fee is applied to the following transactions, whether made in/outside the Philippines or online: a) Transactions that are charged in foreign-denominated currency then converted and billed in Philippine Peso using the prevailing Visa currency conversion rate on the day the transaction is processed; and b) Transactions that are automatically converted then charged in Philippine Peso by a foreign acquirer at point-of-sale. EastWest Priority Visa Infinite. EastWest credit card fees and charges |
| Foreign transactions | A service fee of 2.50% comprised of Visa Assessment and EastWest’s Service Fee is applied to the following transactions, whether made in/outside the Philippines or online: a) Transactions that are charged in foreign-denominated currency then converted and billed in Philippine Peso using the prevailing Visa currency conversion rate on the day the transaction is processed; and b) Transactions that are automatically converted then charged in Philippine Peso by a foreign acquirer at point-of-sale. EastWest foodpanda Visa. EastWest credit card fees and charges |
| Foreign transactions | A service fee of 3.00% comprised of Visa Assessment Fee and EastWest’s Service Fee is applied to the following transactions, whether made in/outside the Philippines or online: a) Transactions that are charged in foreign-denominated currency then converted and billed in Philippine Peso using the prevailing Visa currency conversion rate on the day the transaction is processed; and b) Transactions that are automatically converted then charged in Philippine Peso by a foreign acquirer at point-of-sale. EastWest Puregold Always Panalo Visa. EastWest credit card fees and charges |
| Foreign transactions | A service fee of 3.00% comprised of Visa/Mastercard Assessment Fee and EastWest’s Service Fee is applied to the following transactions, whether made in/outside the Philippines or online: a) Transactions that are charged in foreign-denominated currency then converted and billed in Philippine Peso using the prevailing Visa/Mastercard currency conversion rate on the day the transaction is processed; and b) Transactions that are automatically converted then charged in Philippine Peso by a foreign acquirer at point-of-sale. EastWest Privilege Mastercard. EastWest credit card fees and charges |
| Foreign transactions | A service fee of 2.50% comprised of Visa/Mastercard Assessment and EastWest’s Service Fee is applied to the following transactions, whether made in/outside the Philippines or online: a) Transactions that are charged in foreign-denominated currency then converted and billed in Philippine Peso using the prevailing Visa currency conversion rate on the day the transaction is processed; and b) Transactions that are automatically converted then charged in Philippine Peso by a foreign acquirer at point-of-sale. EastWest Gold Mastercard. EastWest credit card fees and charges |
| Foreign transactions | A service fee of 2.50% comprised of Visa Assessment Fee and EastWest’s Service Fee is applied to the following transactions, whether made in/outside the Philippines or online: a) Transactions that are charged in foreign-denominated currency then converted and billed in Philippine Peso using the prevailing Visa currency conversion rate on the day the transaction is processed; and b) Transactions that are automatically converted then charged in Philippine Peso by a foreign acquirer at point-of-sale. EastWest Visa Platinum. EastWest credit card fees and charges |
| Annual fee waiver | EastWest Visa Platinum: The ₱4,000 principal fee is waived automatically once you spend ₱1.5 million in the 12 months before your card anniversary; supplementary cards are ₱2,000. bank page |
| Annual fee waiver | EastWest cards with a first-year waiver: The first-year waiver applies only if you have no EastWest credit card yet. bank page |
| Annual fee waiver | EastWest Platinum Mastercard: No principal annual fee, ever. bank page |
| Annual fee waiver | EastWest Priority Visa Infinite: No annual fee, ever, on principal and supplementary cards. bank page |
| Annual fee waiver | EastWest EveryDay Titanium Mastercard: ₱2,800 a year, free in the first year. bank page |
| Annual fee waiver | EastWest JCB Gold: ₱2,500 a year, free in the first year; the first supplementary card is free for life. bank page |
| Annual fee waiver | EastWest Dolce Vita Titanium Mastercard: ₱2,000 a year, free in the first year; Charms can also pay the fee. bank page |
| How interest is computed | Interest is the monthly rate divided by 30, charged daily on the unpaid statement balance from the previous statement date until you pay. source |
| BSP ceilings | 36% a year (3% a month) on interest, a 1% a month add-on on instalments, and ₱200 on the cash advance processing fee with no other fee allowed, under BSP Circular No. 1165, s.2023. BSP Circular No. 1165, s.2023 |
To see what a balance costs at EastWest's rate, use the credit card interest calculator.
Paying your EastWest card, and promos
- EastWest branches (cash or check)
- Auto-debit for EastWest depositors
- EastWest ATMs, from an EastWest or BancNet-member deposit account
- EastWest Rural Bank branches (cash only)
- EasyWay, Komo, BancNet ATMs, GCash, Maya, SM Bills Payment centers and BDO branches
Payment channels from EastWest
Promos change every few weeks. See the current ones on EastWest's credit card promos page.
EastWest credit card questions
What is the EastWest credit card hotline?
(632) 8888-1700 or 1-800-1888-8600 (24 hours. The 1-800 number is toll-free). To report a lost or stolen card: (632) 8888-1700. From abroad: 1-866-828-6296. These are the numbers on EastWest's own website.
How do I apply for a EastWest credit card?
Apply online through EastWest's ESTA chatbot; every Apply Now button on EastWest's card pages opens it.
How do I check my EastWest credit card application status?
Use the Check Application Status button on EastWest's credit cards page.
What are the requirements for a EastWest credit card?
Filipino citizen or local resident foreigner; Principal applicants at least 21 years old; Minimum gross annual income per card: ₱480,000 (EveryDay Titanium, foodpanda Visa, JCB Gold, Dolce Vita, Puregold), ₱1,000,000 (Visa Platinum), ₱1,800,000 (Platinum Mastercard); A residence landline or mobile number, and a business landline; A home or business address in EastWest's service areas (Metro Manila and listed provincial cities and towns). Employed applicants submit: Completed EastWest credit card application form; Copy of one valid ID with photo and signature (company ID, driver's license, passport, PRC, SSS, BIR or postal ID); Plus one of: latest BIR Form 2316 or ITR; COE with pay breakdown; letter of appointment; latest salary adjustment memo; last 3 months' payslips; latest service record (government); or another credit card with its latest statement. The lowest income EastWest states for a card it offers to the public is ₱480,000 a year, on the EastWest foodpanda Visa.
How much is the EastWest credit card annual fee, and can it be waived?
Annual fees run from ₱0 to ₱5,000. 2 cards have no annual fee: EastWest Platinum Mastercard, EastWest Priority Visa Infinite. 6 cards waive the fee in the first year only. EastWest Visa Platinum: The ₱4,000 principal fee is waived automatically once you spend ₱1.5 million in the 12 months before your card anniversary; supplementary cards are ₱2,000. EastWest cards with a first-year waiver: The first-year waiver applies only if you have no EastWest credit card yet. EastWest Platinum Mastercard: No principal annual fee, ever. EastWest Priority Visa Infinite: No annual fee, ever, on principal and supplementary cards. EastWest EveryDay Titanium Mastercard: ₱2,800 a year, free in the first year. EastWest JCB Gold: ₱2,500 a year, free in the first year; the first supplementary card is free for life. EastWest Dolce Vita Titanium Mastercard: ₱2,000 a year, free in the first year; Charms can also pay the fee.
What is the EastWest credit card interest rate?
3% a month on balances left unpaid after the due date; the BSP cap is 3% a month (36% a year).
How do I pay my EastWest credit card bill?
EastWest branches (cash or check); Auto-debit for EastWest depositors; EastWest ATMs, from an EastWest or BancNet-member deposit account; EastWest Rural Bank branches (cash only); EasyWay, Komo, BancNet ATMs, GCash, Maya, SM Bills Payment centers and BDO branches.
What is the best EastWest credit card?
On cost, the EastWest Platinum Mastercard (₱1,212 on a ₱20,000 balance over 3 months plus a year of fees, 2nd of 127 cards open to the public). For a first card, the EastWest foodpanda Visa asks for the least income.
Cards and your taxes
Card fees and interest do not lower the tax on a salary: Section 34 of the Tax Code allows no deductions against compensation income. A self-employed cardholder who takes the 40% optional standard deduction gets it in place of itemized expenses, so card charges do not reduce tax there either.