EastWest Singapore Airlines KrisFlyer Platinum Mastercard: fees, interest and requirements
The EastWest Singapore Airlines KrisFlyer Platinum Mastercard has an annual fee of ₱4,000 a year, charges 3% a month on unpaid balances and needs a minimum income of ₱1,200,000 a year.
Verdict: Worth it if you fly often enough that its miles or lounge access are worth more than ₱4,000 a year to you. Skip it if you earn under ₱1,200,000 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 ₱4,000 annual fee and a year comes to ₱5,212, 89th lowest of 127 cards open to the public (tied with 6).
EastWest's closest card is the EastWest Singapore Airlines KrisFlyer World Mastercard. Against it, this card costs ₱4,000 a year instead of ₱5,000, earns rewards on different terms 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 Singapore Airlines KrisFlyer Platinum Mastercard gives you
- 1 KrisFlyer Mile for every ₱15 spent on Singapore Airlines, Scoot, KrisShop, travel agencies, hotels and cross-border; ₱45 on other airlines, local e-commerce and dining; ₱88 on local essentials EastWest card page
- Four complimentary lounge visits a year through Mastercard Travel Pass same page
- Travel accident and inconvenience insurance of up to ₱20 million same page
Who should get the EastWest Singapore Airlines KrisFlyer Platinum Mastercard
| 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 ₱4,000 a year less as long as you use it monthly. Pick the EastWest Singapore Airlines KrisFlyer Platinum Mastercard only if its rewards are worth more than that to you. |
EastWest Singapore Airlines KrisFlyer Platinum Mastercard downsides, and what a late payment costs
- Needs at least ₱1,200,000 a year in income.
- The ₱4,000 yearly fee has no waiver on the fee table.
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 Singapore Airlines KrisFlyer Platinum Mastercard annual fee, interest and charges
| Charge | EastWest Singapore Airlines KrisFlyer Platinum Mastercard | When, and the rule |
|---|---|---|
| Annual fee | ₱4,000 a year Supplementary: ₱2,000 a 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 | 1.7% | 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 ₱1,200,000 a year (about ₱100,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: EastWest contact and requirements.
Apply for the EastWest Singapore Airlines KrisFlyer Platinum Mastercard on EastWest's site
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 Singapore Airlines KrisFlyer Platinum Mastercard EastWest | ₱4,000 a year | 3% | ₱5,212 | ₱1,200,000 a year |
| BDO American Express Explorer Credit Card BDO | ₱4,000 a year waived above a spend | 3% | ₱5,212 | ₱792,000 a year |
| Security Bank Platinum Mastercard Security Bank | ₱4,000 a year first year free | 3% | ₱5,212 | ₱780,000 a year |
| BDO Visa Platinum BDO | ₱4,500 a year waived above a spend | 3% | ₱5,712 | ₱924,000 a year |