EastWest JCB Platinum

Low Foreign Currency Conversion Fee ⭐

Enjoy international travel and shopping with a low foreign currency conversion fee of 2%.

Earn Rewards

Earn 1 rewards point for every ₱100 local or international spend, and enjoy exclusive JCB promotions all year round.

Airport Lounge Access

Enjoy up to 6 complimentary lounge visits in Japan and Hawaii with the JCB Airport Lounge, plus 8 more LoungeKey™ accesses in major global cities for JCB Platinum cardholders. You also get exclusive free access to JCB Plaza Lounges and exclusive travel perks via the JCB Japan Guide app.

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.

JCB Platinum Concierge

Enjoy special privileges and promos such as Special JCB Platinum Golf Benefits on some of Japan’s major golf courses.

Plus, get 24/7 assistance for anything, anywhere, by calling your JCB Platinum Concierge toll-free hotline.

Eligibility

A Filipino Citizen or local resident foreigner
At least 21 years old
With a minimum gross annual income of ₱1,000,000
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: ₱3,500 (free on the first year) Supplementary: NAFFL for the first; ₱1,750 after
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	₱700
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	₱500
Foreign Transaction Service Fee	2%
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 rewards?

You can redeem your 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. How do I redeem complimentary lounge visits?

To use your complimentary lounge visits, simply present your JCB Platinum card along with a valid boarding pass at participating JCB Airport Lounges in Japan and Hawaii or LoungeKey™ partner lounges globally.

Guests are charged the regular guest fee, and visits exceeding the limit will incur standard charges.

Lounge access is limited to 6 visits annually in Japan and Hawaii and 8 visits globally through LoungeKey.

3. How can I access the JCB Plaza Lounges and the JCB Japan Guide app?

JCB Plaza Lounges are located in major shopping and business areas in key cities worldwide. To enter, present your JCB Platinum card and a valid ID.

Download the JCB Japan Guide app to access travel tips, exclusive offers, and discounted JCB Global Wi-Fi rentals.

4. 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

5. Is there a minimum income requirement?

Yes, the minimum gross income requirement is ₱1,000,000 a year, or around ₱84,000 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.

6. 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.

7. Is the EastWest JCB Platinum a NAFFL (No Annual Fee For Life) card?

No, EastWest JCB Platinum comes with an annual fee of ₱3,500 for the principal cardholder after the first year, NAFFL for the 1st supplementary cardholder, and ₱1,750 for the 2nd onwards.

However, EastWest occasionally offers spend-based rebates or condition-based fee waivers.

8. 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.