EastWest Puregold Always Panalo Visa: fees, interest and requirements
The EastWest Puregold Always Panalo Visa has an annual fee of ₱1,200 a year, waived above a yearly spend, charges 3% a month on unpaid balances and needs a minimum income of ₱480,000 a year.
Verdict: Worth it if the points you redeem are worth more than ₱1,200 a year. The fee is waived if you reach the spend the bank sets. Skip it if you earn under ₱480,000 a year or if you will not reach the spend that waives the ₱1,200 fee.
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 foodpanda Visa. Against it, this card earns rewards on different terms, charges 3% on foreign purchases against 2.5% 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 Puregold Always Panalo Visa gives you
- 1 Rewards Point for every ₱30 spent at Puregold and every ₱100 elsewhere; 1 point converts to ₱1 in the Puregold P-Wallet EastWest card page
- Points convert to Puregold P-Wallet credit at ₱1 a point same page
- Year-round discounts from partner merchants same page
Who should get the EastWest Puregold Always Panalo Visa
| If | Then |
|---|---|
| You pay in full every month and want a rewards points card | No rewards points card from another bank costs less a year for the same or a lower income. |
EastWest Puregold Always Panalo Visa downsides, and what a late payment costs
- The ₱1,200 fee is waived only above the spend the bank sets.
- Foreign currency purchases cost 3% 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 Puregold Always Panalo Visa annual fee, interest and charges
| Charge | EastWest Puregold Always Panalo Visa | When, and the rule |
|---|---|---|
| Annual fee | ₱1,200 a year Supplementary: ₱600 a year | Waivable for an annual minimum accumulated cross-border and e-comm spend of Php 80,000. Fee table: Principal: Php 1,200 or Php 100/month (billed monthly).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 | 3% | 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.
Apply for the EastWest Puregold Always Panalo Visa 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 Puregold Always Panalo Visa EastWest | ₱1,200 a year waived above a spend | 3% | ₱2,412 | ₱480,000 a year |
| PNB Essentials Mastercard PNB | ₱1,200 a year first year free | 3% | ₱2,412 | ₱120,000 a year |
| UnionBank Classic Visa UnionBank | ₱1,500 a year | 3% | ₱2,712 | ₱360,000 a year |
| UnionBank PlayEveryday Credit Card UnionBank | ₱1,500 a year | 3% | ₱2,712 | ₱360,000 a year |