EastWest KrisFlyer Platinum Mastercard

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Low Foreign Currency Conversion Fee ⭐

Enjoy international travel and shopping with a low foreign currency conversion fee of 1.70%.

Earn KrisFlyer Miles

Earn 1 KrisFlyer mile for every:

₱15 spent on Singapore Airlines, Scoot, KrisShop, travel agencies, hotels, resorts, cross-border
₱45 spent on other airlines, local spend on e-commerce, dining
₱88 spent on local essentials
An additional 3,000 KrisFlyer miles for an accumulated cross-border amount of ₱200,000 within 3 months from the card activation date
An additional 5,000 KrisFlyer miles for an accumulated cross-border amount of ₱100,000 within 12 months from the card activation date

Check the points conversion here.

Airport Lounge Access

Enjoy 4 free complimentary lounge access every year from the Mastercard Travel Pass provided by Dragon Pass membership.

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.

Mastercard Premium Perks

Enjoy special privileges, promos, and discounts offered exclusively to Mastercard credit card holders, from leisure, travel, cuisine, wellness, and more.

Mastercard Travel and Lifestyle Services

Get the lowest hotel rate and a stay guarantee when you book through travel.mastercard.com. You can also request a personalized trip recommendation by calling Mastercard’s Lifestyle Manager at 1-800-8739-5245 (Globe) and 1-800-1852-0014 (PLDT).

Eligibility

A Filipino Citizen or local resident foreigner
At least 21 years old
With a minimum gross annual income of ₱1,200,000
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: ₱4,000 (non-waivable) Supplementary: NAFFL for the first; ₱2,000 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	₱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	₱500
Foreign Transaction Service Fee	1.70%
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 do I redeem my KrisFlyer miles?

Your KrisFlyer miles earned from your EastWest KrisFlyer Platinum Mastercard are automatically credited to your KrisFlyer account every month—no need to manually convert or transfer points. You can also track your points through your KrisFlyer account.

Once credited, you can redeem your miles directly through the Singapore Airlines KrisFlyer website.

2. Do KrisFlyer miles expire?

Yes. KrisFlyer miles are valid for 3 years from the month they are earned and credited to your KrisFlyer account. Be sure to track your points regularly so you can use them before expiry.

3. 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

4. Is there a minimum income requirement?

Yes, the minimum gross income requirement is ₱1,200,000 a year, or around ₱100,000 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.

5. 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.

6. Is the EastWest KrisFlyer Platinum Mastercard a NAFFL (No Annual Fee For Life) card?

No, EastWest KrisFlyer Platinum Mastercard comes with an annual fee of ₱4,000 for the principal cardholder, NAFFL for the 1st supplementary cardholder, and ₱2,000 for the 2nd onwards.

However, EastWest occasionally offers first-year fee waivers or spend-based rebates—watch out for promos.

7. 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.