Cashback ⭐
Earn up to ₱15,000 cashback a year from your 8.88% cash rewards on purchases at department stores, restaurants, travel services, fuel, utilities, and more—both in-store and online. For all other spending categories, you still get 0.3% cashback, making every peso count.
⭐ You can get up to ₱1,250 cashback every month with just ₱14,000 spending.
Welcome Gift Reward
Get a ₱5,000 cash gift after your first ₱10,000 spending within 2 months of card application (for new-to-bank cardholders only).
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.
Visa Concierge
Enjoy worldwide assistance with Visa Concierge. Make hassle-free hotel and restaurant reservations, surprise gift arrangements, and many more.
Premium Perks
Experience special privileges and exclusive deals/offers from EastWest Premium and Visa Platinum.
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: ₱3,600 (waivable with a ₱1.5M spending requirement) Supplementary: ₱1,800 |
| 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 | 2.50% |
| 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 Cash Rewards or cashback?
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.
Check the points conversion here.
2. Are Cash Rewards capped or limited?
As of Q1 2025, the Cash Rewards limit is ₱15,000 per year or ₱1,250 per month. If all spending falls under the 8.88% cashback category, you can maximize the cashback with just around ₱14,000 monthly spending.
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 ₱1,000,000 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.
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 Visa Platinum a NAFFL (No Annual Fee For Life) card?
No, this card is not NAFFL. The EastWest Visa Platinum has an annual fee of ₱3,600, but EastWest occasionally waives it for the first year or through spend-based promos. You can also inquire with the bank if they have ongoing fee-waiver programs for new clients.
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.
8. Where can I pay or settle my EastWest Visa Platinum 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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