No Annual Fee For Life (NAFFL) ⭐
Enjoy a perpetual waived annual membership fee (NAFFL) on your principal and supplementary EastWest Platinum Mastercard.
Platinum Rewards
Earn 1 Platinum Rewards point for every ₱40 spent. Applying EastWest’s current point conversion, you earn ₱1 for every ₱211 spent.
Check the points conversion here.
Priority Pass Membership
Access more than 1,300 airports worldwide with a minimal usage fee of $27 per person, per visit, applicable to you and your guests. Each usage fee is credited back to your account for every ₱100,000 accumulated spending during your travel (e.g., travel ticket, international purchases).
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 and Concierge
Enjoy special privileges, promos, and discounts offered exclusively to Mastercard credit card holders, from leisure, travel, cuisine, wellness, and more.
Plus, get 24/7 assistance for your international travel, shopping, dining, medical care, and emergency needs through Mastercard’s concierge support available worldwide.
Free Virtual Card
Get a free EastWest Platinum Mastercard Virtual Card to enjoy more secure online payments. This card comes with a different card number, expiry date, and CVV to protect the details of your main physical card. A lower initial credit limit is also assigned for added protection.
Eligibility
- A Filipino Citizen or local resident foreigner
- At least 21 years old
- With a minimum gross annual income of ₱1,800,000
- 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 & Supplementary: NAFFL |
| 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 | 2.50% |
| 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. 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 ₱1,800,000 a year, or around ₱150,000 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 Platinum Mastercard a NAFFL (No Annual Fee For Life) card?
Yes, this card offers a perpetual fee waiver for both principal and supplementary cardholders.
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.
7. Where can I pay or settle my EastWest Platinum Mastercard credit card bill?
You can settle your EastWest credit card bill through several convenient channels:
Online & Mobile Banking
- EastWest Online Banking or EastWest Mobile App
- Other Bank Apps (via InstaPay or PESONet using your card number as reference)
Over-the-Counter Payment
- EastWest Bank branches nationwide
- Accredited payment centers like SM Bills Payment, Bayad Center, and select supermarkets
E-Wallets
- GCash
- Maya
Always pay at least 2–3 banking days before your due date if using third-party platforms to avoid late posting.
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