EastWest foodpanda Visa: fees, interest and requirements
The EastWest foodpanda Visa has an annual fee of ₱1,200 a year, waived in the first year, charges 3% a month on unpaid balances and needs a minimum income of ₱480,000 a year.
Verdict: Worth it if the cash back on your own spending comes to more than ₱1,200 a year. The first year is free. Skip it if you earn under ₱480,000 a year.
From EastWest credit card fees and charges. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add the ₱1,200 annual fee and a year comes to ₱2,412, 18th lowest of 127 cards open to the public (tied with 4).
EastWest's closest card is the EastWest Puregold Always Panalo Visa. Against it, this card earns rewards on different terms, charges 2.5% on foreign purchases against 3% and has different perks.
BSP supervised: East West Banking Corporation, universal and commercial bank, BSP institution ID 32, is on the BSP Verifier list dated Sep 28, 2026.
What the EastWest foodpanda Visa gives you
- 10% cash back on the first ₱4,000 of foodpanda orders a month and 3% after, 1% on international purchases, 0.3% on everything else; capped at ₱1,000 a statement cycle EastWest card page
- Cash back credited weekly to your pandapay wallet same page
- Free six-month pandapro subscription same page
Who should get the EastWest foodpanda Visa
| If | Then |
|---|---|
| You pay in full every month and want a cash back card | The Security Bank Wave Mastercard (Security Bank) asks the same or a lower income and costs ₱1,200 a year less. Pick the EastWest foodpanda Visa only if its rewards are worth more than that to you. |
EastWest foodpanda Visa downsides, and what a late payment costs
- The ₱1,200 fee is charged every year after the waiver ends.
- Foreign currency purchases cost 2.5% extra.
If you pay late: EastWest charges up to ₱1,500, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
EastWest foodpanda Visa annual fee, interest and charges
| Charge | EastWest foodpanda Visa | When, and the rule |
|---|---|---|
| Annual fee | ₱1,200 a year Supplementary: ₱600 a year | No annual fee in the first year. EastWest fee page |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same page |
| Cash advance | ₱200 a withdrawal plus 3% a month interest | The BSP maximum (Circ. 1165). same page |
| Late payment | ₱1,500 | same page |
| Foreign transactions | 2.5% | same page |
Figures from EastWest credit card fees and charges, EastWest card page. BSP ceilings: BSP Circular No. 1165, s.2023. How EastWest words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: EastWest billing rules.
Requirements and how to apply
Income: at least ₱480,000 a year (about ₱40,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: EastWest contact and requirements.
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| EastWest foodpanda Visa EastWest | ₱1,200 a year first year free | 3% | ₱2,412 | ₱480,000 a year |
| Security Bank Wave Mastercard Security Bank | No annual fee | 3% | ₱1,212 | ₱480,000 a year |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| UnionBank Gold Mastercard UnionBank | ₱2,500 a year | 3% | ₱3,712 | ₱360,000 a year |