Eastwest Credit Card Guide in the Philippines

Last updated: August 17, 2023

Written by: Digido Financial Writers Team | Reviewed by: Mark Anthony

Credit cards have become an essential part of our lives today. People are now moving to cashless methods. According to statistics, about 73 percent of all the families have access or even use a credit card to purchase. The number is expected to grow over time.

Now, it is time for many to move to the use of credit cards or online loans. COVID-19 is spreading like wildfire, and we have to be careful always to maintain social distance, wear a mask, and sanitize. But, that is not all; the virus can survive on a surface for 5 days. This means one has to clean, but what happens if you went shopping with cash. It is much safer to use delivery and online payments.

In the Philippines, EastWest Bank has gone a step further to provide credit cards to their consumers. Using an EastWest Credit Card has its financial benefits and also keeps you safe during the pandemic.

About EastWest Bank

It is also known as the East-West Banking Corporation, and it was established in 1994. The bank is a member of the Filinvest Group. And the 11th largest bank in the Philippines in terms of assets accrued over time. The financial institution has developed and grown to be a major player in the Philippines’ economy.

In 2012 the bank joined the Philippines Stock Exchange, which shows they are profitable and trusted. To ensure they reach all their consumers, the institution has developed online banking facilities that deliver their products and services within a click of a button. Among their long list of services, the EastWest Credit Card online banking has made the facility famous.

The online banking Eastwest loan service enables one to have access to a credit card. Whether you are a business owner or a first-timer, you are granted access to this service. Let’s learn more about the EastWest Credit Card and how it works.

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Types of EastWest Bank Credit Card

There are two kinds of credit cards that one can opt for; they are Visa and Mastercard. The difference between the two cards is the payment network the bank operates on. Otherwise, they are the same.

However, EastWest Bank has classified their credit cards into various types that cater to your needs. There are credit cards that you can go shopping with, dine, or even take vacations. Each of the cards attracts discounts, installment deals, and even special offers depending on the need. For this reason, we are going to break down some of their card packages and see their benefits.

EastWest Bank Visa/Mastercard Classic

The income requirement for this product is PHP 180,000.00 gross annual income.
Benefits:
1. For every PHP 100.00 spent, you earn 1 reward point, which can be converted into an air mile;
2. The monthly effective interest rate of 3.50%;
3. There is a 0% installment plan on selected items available on selected merchants;
4. Free comprehensive travel accident, travel inconvenience protection of up to PHP20 million. This applies is the travel fare is charged to the card;
5. One gets up to 12% off using EastWest Bank Visa or Mastercard Classic when buying at minimart.ph during the promotion (August 15, 2020 to August 14, 2021);
6. You’ll enjoy a low-interest balance transfer payable in 6, 12,18 to 24 months.

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EastWest Bank Visa/Mastercard Gold

The income requirement for this product is PHP 480,000.00 gross annual income.
Benefits:
1. For every PHP 100.00 spent, you stand to earn 1 reward point which can be used to purchase merchandise. The reward points can be converted into air mile as well;
2. The monthly effective interest rate of 3.50%;
3. There is a 0% installment plan on selected items available on selected merchants;
4. Free comprehensive travel accident, travel inconvenience protection of up to PHP 20 million. This applies if the travel fare is charged to the card;
5. One gets up to 12% off using EastWest Bank Visa or Mastercard Gold when shopping for groceries at minimart.ph during the promotion (August 15, 2020 to August 14, 2021);
6. You’ll enjoy a low-interest balance transfer payable in 6, 12,18 to 24 months.

EastWest Dolce Vita Titanium Mastercard

The income requirement is PHP 300,000.00 gross annual income
Benefits:
1. For every PHP 100.00 spent, you stand to earn 1 Dolce Vita Charm;
2. The monthly effective interest rate of 3.50%;
3. There is a 0% installment plan on selected items available on selected merchants;
4. One gets up to 12% off at minimart.ph during the promotion from August 15, 2020 to August 14, 2021, when using the EastWest Bank Dolce Vita Titanium Mastercard;
5. You’ll enjoy a low-interest balance transfer payable in 6, 12, and 18 to 24 months;
6. One also gets a 15% to 76% discount on wellness and skin clinics;
7. There is 10% off on regular priced shoes purchased at Yosi Samra.

EastWest EveryDay Titanium Mastercard

The income requirement is PHP 480,000.00 gross annual income.
Benefits:
1. One gets a 5% cash rebate on his gas, drugstore, and supermarket purchases;
2. For every PHP 100.00 spent, you stand to earn 1 reward point which can be used to purchase merchandise. The reward points can be converted into air mile as well;
3. The monthly effective interest rate of 3.50%;
4. There is a 0% installment plan on selected items available on selected merchants;
5. One also gets up to 12% off using EastWest Bank EveryDay Titanium Mastercard during the promotion period, which starts from August 15, 2020 to August 14, 2021;
6. You’ll enjoy a low-interest balance transfer payable in 6, 12, 18 to 24 months.

EastWest Platinum Mastercard

The minimum income requirement is PHP 1,200,000.00 gross annual income.
Benefits:
1. For every PHP 40.00 spent, you earn 1 reward point which can be converted into air mile;
2. The monthly effective interest rate of 2.75%;
3. There is a 0% installment plan on selected items available on selected merchants;
4. Free comprehensive travel accident, travel inconvenience protection of up to PHP 20 million. This applies if the travel fare is charged to the card;
5. One gets up to 12% off using EastWest Bank Platinum Mastercard when shopping at minimart.ph during the promotion (August 15, 2020 to August 14, 2021);
6. You’ll enjoy a low-interest balance transfer payable in 6, 12,18 to 24 months;
7. You also stand to get PHP 500.00 cash rebate that is equivalent to 3,335 Platinum Reward points. And up to PHP 1,000.00 cash rebate for 6,670 Platinum Reward Points.

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EastWest Singapore Airlines KrisFlyer Platinum Mastercard

The minimum income requirement is PHP 1,200,000 gross annual income.
Benefits:
1. The monthly effective interest rate of 3.50%;
2. There is 0% interest on selected items available on selected merchants;
3. It has a free comprehensive travel accident and inconvenience insurance of up to PHP 20 million. The insurance covers you and your family when tickets are bought using a credit card;
4. You also benefit from lighter monthly installment terms when you transfer your credit balance to EastWest Singapore Airlines Krisflyer Platinum Mastercard;
5. You’ll enjoy 2 complimentary access for your guest per year on VIP Airport lounges;
6. Lastly, there is a bonus Krisflyer Miles when applying for an EastWest Singapore Airlines Krisflyer Platinum Mastercard.

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What Are the Requirements to Get a Credit Card in EastWest?

Before making an EastWest Credit Card application, there are specific measures you have to meet.

They include the following:

1. You must be a resident foreigner or a Filipino citizen and earning at least PHP 120,000 per annum;
2. One must also have a residence or business address within Metro Manila;
3. The applicant should be between 21 and 65 years old;
4. The applicant should also have a postpaid mobile phone and a business landline. This includes the residence landline as well;
5. Your passport or government-issued ID is needed;
6. An original certificate of employment is required, and a copy of the Certificate of Compensation Payment or Tax Withheld;
7. Your payslip is also required, and it should date at least 3 months ago;
8. For the self-employed, your latest Income Tax Return and a stamped Audited Financial Statement is required;
9. You are expected to provide an Alien Certificate of Registration (ACR), Visa and work permit, certificate of employment, and visa if you’re a diplomat for a resident foreigner.

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How Can I Check My EastWest Credit Card Status?

Checking for your EastWest Credit Card online is a simple process. However, you have to be registered to see your credit status. To check your credit status:

1. Log on to Eastwest Bank website;

2. Enter your user name and password;

3. Go to the dashboard and click the “View Credit Cards Details”. This will give you information about your credit status.

EastWest Credit Card Hotline

The bank understands that you might have inquiries about your credit status or want a problem to be resolved. For this reason, there is the EastWest Credit Card hotline number (+632) 888-1700 or 1-800-1888-8600. The lines provide you with customer service for 24 hours for free.

→ Also read all about Installment Phones Requirements

Where to Pay EastWest Credit Card?

This is the question that comes to mind when making repayments to the bank.

1. EastWest Stores
   In any EastWest Store you can pay by check or cash.
   If you pay by cash, your credit limit will be updated within 24 hours, and if you pay by check, your credit limit will be updated within three days.
2. EastWest Rural Bank Stores
   Stores of EastWest Rural Bank accept only cash payments. They work from Monday to Friday.
3. EastWest Online
   You can use EastWest Online to pay your credit card if you have an EastWest deposit account. Add an EastWest credit card to your account list and make the payment.
4. EastWest ATMs
   ATMs of EastWest accept direct payments from your EastWest deposit account or any BancNet member bank. Do everything according to the instructions on the ATM screen.

Advantages of EastWest Bank Credit Card

1. The credit card has limitless rewards which can be used to purchase merchandise or exchange for gift certificates;
2. The EastWest Credit Card uses 3D secure technology, which protects your card from fraudulent use;
3. The gold cardholders are offered free travel accidents and inconvenience insurance cover;
4. The EastWest Bank provides their cards with merchant installments, and one enjoys 0% interest on selected sellers;
5. The card has global acceptance and easy payment plans.

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Disadvantages of EastWest Credit Card

1. If your minimum gross annual income is less than 120,000 pesos, you cannot be given a credit card;
2. If you cannot provide a complete list of documents proving your employment, then you won’t be qualified to be given a credit card by the bank;
3. You do not want to pay annual fees and cash withdrawal fees every time you need money. This proves to be expensive and not sustainable for a low-income earner.
4. Additionally, if you need the money urgently, EastWest Bank is not the place for you. The credit card application process takes up to three weeks, but sometimes you cannot wait that long. Therefore, if it is an emergency, we recommend seeking financial services from other lenders.

Where to Get the Money if You are Refused an EastWest Credit Card?

Where can I get access to funds if my Eastwest bank loan has declined? Well, various financial institutions can offer you an online loan apart from the bank. One of the online lenders is Digido, which offers easy and affordable loans.

Digido gives you low-interest loans and loan tenure of 7 to 30 days. One can request funds as low as PHP 10,000 and as high as PHP 25,000. The amazing thing is that the loan is approved within an hour.

All operations are performed online - you don't have to leave your house

In only 4 minutes you can receive up to 10,000 pesos in your bank account, and up to 25,000 pesos for repeat borrowers.

We don't require guarantors representation, documentation, or guarantee deposits.

We only require 1 government valid ID

To get a loan from Digido, you must comply with the following requirements:
– Philippine Nationality
– Age from 21 to 70 years
– A valid state ID card.
– Active cell phone number
– Registration on Digido website
The terms of Digido loan are very simple. For new borrowers you can get approval for a period not exceeding 15 days and the amount from 1000 to 10000 pesos. For repeat borrowers, you can choose a period of up to 30 days and the amount of up to 25000 pesos. Return the money to the date specified in the loan agreement.

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