EastWest Gold Mastercard

Earn Rewards

Earn 1 rewards point for every ₱100 spent. Use your points to redeem eGifts, vouchers, or cash rebates.

Special Perks and Privileges

Enjoy exclusive discounts and perks on shopping, dining, wellness, and travel all year round with the EastWest Dolce Vita Titanium Mastercard.

Comprehensive Travel Insurance

Get up to ₱20 million in comprehensive coverage for travel accident and inconvenience insurance when you pay for your international or domestic air, land, or sea travel fare using your card.

Eligibility

A Filipino Citizen or local resident foreigner
At least 21 years old
With a minimum gross annual income of ₱480,000
With residential landline/mobile number and business landline

Basic Requirements

Completely filled-out EastWest Credit Card Application Form
Photocopy of one (1) valid ID with picture and signature

Proof of Income

If employed, submit any of the following:

Latest BIR Form 2316/ITR
Certificate of Employment stating breakdown of compensation
Letter of Appointment/Personnel Action Memo
Salary Adjustment Memo issued within the latest month
Latest three (3) Months Payslip
Latest Service Record for government employees
Valid Credit Card Reference and Latest Month Statement of Account

If self-employed, submit any of the following:

Latest BIR Form 1701/ITR
Latest Audited Financial Statements (if applicable)
Valid Credit Card Reference and Latest Month Statement of Account

If local resident foreigner, submit any of the following:

Alien Certificate of Registration with Permanent Status
Visa issued under Section 9d and 9g of immigration Act of 1940
Special Investor’s Resident Visa (SIRV)
Visa issued by Philippine Economic Zone Authority – 47(a)(2)
Embassy Certification (for Diplomats and Embassy Personnel)

Fees & Charges

Annual Fee	Principal: ₱2,500 (waivable) Supplementary: ₱1,250
Interest	3% per month
Cash Advance Service Fee	₱200
Cash Advance Interest	3%
Late Payment Fee	₱1,500 or the unpaid minimum due (whichever is lower)
Overlimit Fee	₱500
Installment Processing Fee*	₱500 if processed via electronic channels ₱1,000 if processed via customer service representative
Installment Pre-Termination Fee	5% of the remaining balance or ₱500 (whichever is higher)
Refund Processing Fee	₱150 for every refund to a non-EastWest deposit account
Card Replacement Fee	₱400
Foreign Transaction Service Fee	2.5%
Multiple Payment Fee	₱50 for every payment made in excess of the maximum 3 payments for each statement cycle

*Applicable to approved Insta-Cash, Balance Transfer, Balance Conversion, or Convert-to-Installment transactions.

1. How can I redeem my cash rebate/rewards?

You can redeem your rebates/rewards through:

ESTA
By calling their 24/7 customer support at (632) 8888 1700
By emailing them at cards@eastwestbanker.com

Only the principal cardholder can convert and redeem rewards, and the minimum redeemable amount is ₱500. Be sure to check your rewards balance before initiating the process.

2. What valid IDs are accepted when applying?

EastWest accepts the following government-issued IDs for credit card applications:

Company ID
Passport
Driver’s License
UMID
PRC ID
SSS/GSIS Card
Postal ID (new version)
Other government-issued ID with photo and signature

3. Is there a minimum income requirement?

Yes, the minimum gross income requirement is ₱480,000 a year, or around ₱40,000 per month.

If you’re an existing cardholder from another bank, you may qualify through a fast-track application by submitting your latest credit card statement without the need for proof of income.

4. How long does it take to process the application?

Application processing usually takes 10 to 15 banking days, depending on how complete your documents are and if you’re applying through a branch or online. If you’re an existing EastWest client with a good record, approval can be faster.

5. Is the EastWest Gold Mastercard a NAFFL (No Annual Fee For Life) card?

No, EastWest Gold Mastercard comes with an annual fee of ₱2,500 for the principal cardholder and ₱1,250 for the supplementary cardholders.

However, EastWest occasionally offers no annual fee on the first year. You can also call to ask for spend-based or condition-based fee waivers.

6. Can I request a supplementary card?

Yes! You can apply for up to 9 supplementary cards with assigned monthly sub-limits for each card. It’s a great way to manage family budgets or earn more rewards together.