EastWest JCB Gold: fees, interest and requirements
The EastWest JCB Gold has an annual fee of ₱2,500 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 you fly often enough that its miles or lounge access are worth more than ₱2,500 a year to you. 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 ₱2,500 annual fee and a year comes to ₱3,712, 48th lowest of 127 cards open to the public (tied with 13).
EastWest's closest card is the EastWest JCB Platinum. Against it, this card costs ₱2,500 a year instead of ₱3,500, asks for ₱480,000 a year in income against ₱1,000,000 a year 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 JCB Gold gives you
- 1 Rewards Point for every ₱100 qualified spend, redeemable for airline miles, cash rebates or an annual fee waiver EastWest card page
- Up to six free visits a year to JCB Airport Lounges in Japan and Hawaii same page
- Travel accident and inconvenience insurance of up to ₱20 million same page
Who should get the EastWest JCB Gold
| If | Then |
|---|---|
| You pay in full every month and want a travel and miles card | The Maya Black Credit Card (Maya) asks the same or a lower income and costs ₱2,500 a year less as long as you use it monthly. Pick the EastWest JCB Gold only if its rewards are worth more than that to you. |
EastWest JCB Gold downsides, and what a late payment costs
- The ₱2,500 fee is charged every year after the waiver ends.
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 JCB Gold annual fee, interest and charges
| Charge | EastWest JCB Gold | When, and the rule |
|---|---|---|
| Annual fee | ₱2,500 a year Supplementary: ₱1,250 a year | Free on the first year. Fee table: Principal: Php 2,500 (FREE on the 1st 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% | 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 JCB Gold EastWest | ₱2,500 a year first year free | 3% | ₱3,712 | ₱480,000 a year |
| UnionBank Gold Visa UnionBank | ₱2,500 a year | 3% | ₱3,712 | ₱360,000 a year |
| BDO JCB Gold BDO | ₱200 a month first year free | 3% | ₱3,612 | ₱396,000 a year |
| BDO Diners Club International BDO | ₱250 a month first year free | 3% | ₱4,212 | ₱396,000 a year |