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Eastwest Credit Card Guide in the Philippines

Last updated: April 11, 2024
Written by: Digido Financial Writers Team | Reviewed by: Anna Kireeva

Key takeaways:

  • Eastwest Credit Card online banking is one of the amazing financial services in the Philippines.
  • You can use your credit card to make purchases, travel, and pay bills.
  • However, not all people can get an East-West credit card.
  • There are restrictions on age, income, and other reasons for refusal. In this case, Digido loan will help you.
  • You can get money in a bank account and make purchases online without leaving home.
How much money do you need?
Amount
10 000
min ₱ 1 000
max ₱ 10 000
You will have to return*: 10 000
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*Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval
Who can get a Digido loan?
You are 21-70 years old
You are a Filipino citizen
You have a valid government ID

Eastwest bank Credit Card

Credit cards have turned into an important aspect of our daily routine. Not only do they allow quick and cashless methods of payment, but they also let people enjoy the diversity of exclusive offers, discounts and benefits. No wonder that in March 2023, the Credit Card Association of the Philippines recorded an impressive figure of 7.5 mln. Filipinos use credit cards. The number is expected to grow over time.

In the Philippines, there are numerous banks where you could potentially request a credit card. One of them is EastWest Bank, one of the largest credit card issuers in the country. The online banking Eastwest loan service enables access to extra funds whether you are a business owner or a first-timer. In this article, we will explain how to apply for Eastwest credit cards, what Eastwest bank’s credit card requirements you are to meet to get it, and whether Eastwest bank offers credit cards for beginners.

About EastWest Bank

EastWest Bank was founded in 1994 as a subsidiary of Filinvest Development Corp., one of the largest business groups in the country. The financial institution has since grown to be a major player in the Philippines’ economy. Now it is the Philippines’ 10th largest bank by the size of assets and the fifth biggest credit card issuer.

EastWest Bank supports the network of 490 stores, 584 ATMs nationwide, personal and corporate online services, mobile and phone banking, as well as 24-Hour EastWest Customer Service.
The bank has Aa+ rating. It has been listed on the Philippines Stock Exchange since 2012 and was the first Filipino bank to issue the initial public offering in 8 years.

EastWest Bank supports the network of 490 stores, 584 ATMs nationwide, personal and corporate online services, mobile and phone banking, as well as 24-Hour EastWest Customer Service. To ensure reaching as many customers as possible, EastWest has also deployed online banking that delivers products and services within a click of a button.

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Eastwest Credit Card Review

Eastwest Bank offers credit cards issued by three payment processors: Visa, Mastercard and JCB.
While the first two platforms are globally known, you won’t see the JCB cards everywhere. JCB is the international payment brand from Japan. Today, their cards are accepted across the globe, including Australia, New Zealand, Canada, U.S., Japan and China.
All Eastwest credit cards have a wide range of perks in store for their customers. All cardholders can make the most of rewards points, special offers and discounts from the bank’s retail partners.

Benefits shared by most Eastwest credit cards include:

  • Low foreign currency conversion fee starting from 1.70%
  • Some Eastwest bank credit cards have no annual fees
  • Up to nine additional credit cards with an option of a monthly sub-limit
  • High cash withdrawal limit of up to 70% of your credit card amount
  • Enhanced payment security due to state-of-the-art technologies embedded in the Eastwest bank secured credit cards
  • Payments in PHP even when you are abroad
  • Interest-free installment plans for expensive purchases from merchant partners
  • Auto payment function that make it convenient to pay bills, online subscriptions and insurance fees
  • Electronic Statement of Account sent to your email address for your convenience
  • 24/7 access to credit cards via ESTA chatbot or mobile App

Moreover, travel-oriented cards offer free accident and inconvenience insurance (AII) during trips with a coverage amount of up to PHP 20 mln., access to more than 1,300 airport lounges all over the world, and spend-to-miles conversion plans.

Practical Eastwest Mastercard products support all features and programs of this banking product family, such as Mastercard® Concierge Service (on-demand personal assistance), Mastercard® Travel and Lifestyle Services (special travel offers), and Mastercard Priceless™ Moments (a preference program with selected merchants).

With all these common features in place, Eastwest credit card types differ from each other in terms of the annual fee, income level required to apply for a card, and certain perks that appeal to specific user categories. We have compiled the key features in a Eastwest credit card comparison table for your convenience:

Credit card Annual fee, PHP  Rewards points Issuer Min. monthly income, PHP Interest Rate Specific Benefits
EastWest Priority Visa Infinite Credit Card None 1 Infinite Rewards Point/ PHP 10 Visa  Not disclosed 1.99% per month or 23.88% per year Offered only to EastWest Priority Clients
EastWest Platinum Mastercard N/A 1 Platinum Rewards Point / PHP 40 Mastercard PHP 1,800,000 3% per month or 36% per year Accompanied by a free EastWest Platinum Mastercard Virtual Card
EastWest Visa Platinum credit card PHP 3,600 N/A Visa  PHP 1,000,000 3% per month or 36% per year Offers PHP 5,000 of the bonus cash credit for the clients whose retail spending came up to PHP 10,000 within two months upon the date of card activation

Provides cashback of 8.88%* on favorite categories of goods and services

EastWest JCB Gold PHP 2,500 from the 2nd year 1 Rewards Point / PHP 100 JCB  PHP 300,000 3% per month or 36% per year Provides complimentary AII during trips, access to airport lounges,  and special golf benefits for lovers of this kind of sport
EastWest JCB Platinum PHP 3,500 from the 2nd year 1 Rewards Point / PHP 100 JCB  PHP 1,000,000 3% per month or 36% per year
EastWest EveryDay Titanium Mastercard PHP 2,800 N/A Mastercard PHP 480,000 3% per month or 36% per year Gives you up to 5% cash rebate on purchases in supermarkets, drugstores, and gas stations if you spent over PHP 10,000 on non-essential categories per month
EastWest Dolce Vita Titanium Mastercard PHP 2,000 N/A Mastercard PHP 300,000 3% per month or 36% per year Is an Eastwest classic credit card. Has a rewards policy: every PHP 100 charged brings you 1 Charm, which you may latter  exchange for eGift rewards and vouchers in partner stores
EastWest VIsa Gold Credit Card PHP 2,500 1 Rewards Point / PHP 100 charged to the credit card Visa 

Mastercard

PHP 480,000 3% per month or 36% per year You may opt for Mastercard or Visa as providers.  The rewards points accumulated under either of these cards can be exchanged into eGift Rewards and Limitless Rewards Vouchers.
EastWest Privilege PHP 1,500 1 Rewards Point / PHP 100 charged to the credit card Visa 

Mastercard

PHP 180,000 3% per month or 36% per year
EastWest Singapore Airlines KrisFlyer World Mastercard PHP 5,000 spend-to-miles conversion Mastercard PHP 2,600,000 3% per month or 36% per year Support a spend-to-miles plan. By using these cards you can earn more miles and, ultimately, travel more.
EastWest Singapore Airlines KrisFlyer Platinum Mastercard PHP 4,000 spend-to-miles conversion Mastercard PHP 1,200,000 3% per month or 36% per year

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* Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval.

How to Use EastWest Bank Credit Cards

Due to a wide-spread network of bank’s partners, EastWest credit cards went beyond being a simple financial tool that allows one to borrow cash from the bank or buy goods with discounts. They imply planning your spending, cost analysis and the ability to choose what you need and can afford right now.
It’s crucial to keep an eye on the payments you have to make. In addition to annual fees everybody knows about, cardholders must be conscious of the fact that the bank also charges monthly interest and other fees such as:

  • Late payment charge equal to PHP 1,500 or the minimum payment you owe to the bank
  • At least PHP 500 of over credit limit fee that you have to pay when the outstanding balance becomes more than the established Eastwest credit card limit
  • Fees for cash withdrawal

So make sure you read every bank document thoroughly not to be caught off guard by conditions or limits of credit card use when they come into force.

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.

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How to Apply for Credit Cards in Eastwest Bank?

Before making an EastWest Credit Card application, you should examine EastWest Bank credit card requirements every future cardholder has to meet:

  • Filipino residence or a business address in one of the regions indicated on the bank’s website.
  • Age of over 21 years
  • Income level of not less than PHP 180,000 per year
  • Residence (either landline or mobile) or business phone number (landline only)

You should also submit the following paperwork to apply for a credit card in EastWest:

  • Photocopy of one signed valid ID with a photo (passport, driver’s license, Company ID, etc.)
  • Proof of income (latest BIR form, certificate of employment, payslip for the last 3 months, latest month statement of account, etc.)

The full list of documents as well as the EastWest credit card application requirements for residing foreign citizens can be found on the bank’s website.

The list of  EastWest Credit Card Requirements

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 180,000 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.

→ Also read all about Easy Loan application

The EastWest Bank Credit Card Application Process

Eastwest Credit card Online Application

The EastWest bank credit card online application takes the form of a dialogue with the bank’s chatbot called ESTA, which is short for EastWest System Tech Assistant. Go through the application stages and answer all of ESTA’s questions:

  • Agree to the bank’s privacy policy
  • Accept terms and conditions
  • Verify your phone number
  • Submit your application information
  • If this is your first credit card, provide details on your income

Typically, EastWest Bank considers credit card applications within 10 to 15 days.
If you still have questions or want to contact the bank to inquire about your credit card status, you may write to ESTA chatbot, call the 24-hour Customer Service at +63288881700 or send an email.

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In this article you will learn all about EastWest credit cards, their pros, cons and peculiarities of use. However, the bank has high requirements and not all people can get a EastWest credit card. If this is the case, Digido credit can help you. Apply for a loan from Digido with just 1 ID from the comfort of your home! You can borrow up to 25,000 pesos for any purpose!

→ Learn about In-Demand Jobs in the Philippines

How Can I Check My EastWest Credit Card Status?

How to apply credit card in Eastwest

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.
Apply now

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 for an EastWest Credit Card?

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

  • Online. You can repay your credit card debt via EastWest Online. Just log in and select Manage Biller to include the EastWest credit card in your list.
  • Automatic Debit Arrangement. Set up automatic payments from your deposit account directly to your EastWest credit card according to your agreed schedule. There is an option to settle your entire statement balance or to pay a minimum required sum.
  • ATMs. You can also pay through EastWest ATMs that receive direct debit payments from your EastWest deposit account or any BancNet-member bank. Just follow the instructions on the ATM screen.
  • Rural Bank Stores. You can also make cash payments through EastWest Rural Bank branches.
  • Additional payment channels. You can also opt for such additional payment channels as Komo, BancNet ATMs, GCash Mobile App, Maya App, SM Bills Payment Centers, including some SM Markets, SM Store, Servicio, WalterMart Malls, or BDO branches.
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Pros and cons of EastWest Bank Credit Card

Pros Cons
1. Limitless rewards for merchandise and gift certificates 1. Minimum gross annual income requirement of 120,000 pesos.
2. Utilizes 3D secure technology for card protection 2. Requirement for a complete list of employment documents.
3. Free travel accidents and inconvenience insurance 3. Annual fees and cash withdrawal fees can be expensive, particularly for low-income earners.
4. 0% interest on selected merchant installments 4. Lengthy credit card application process (up to three weeks), not suitable for emergencies.
5. Global acceptance and easy payment plans

→ Learn about How to Renew Business Permit

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

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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

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To get a loan from Digido, you must comply with the following requirements:

  1. Age from 21 to 70 years
  2. A valid state ID card.
  3. Active cell phone number

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.

→ Learn Can I get a personal loan with a 500 credit score?

Digido Reviews

  • Azen
    Very fast and reliable source of money. Easy payment option also 🙂
    5
  • Elle
    I recommend this loan app. It's the best app I've tried. Interest is not high, loan term is 30 days. Customer service staff are very nice. Fast cashout too and very reliable.
    5
  • Martinez
    When my EastWest credit card limit is about to expire, I always turn to Digido. Their quick application through the mobile app gets me the money within 5 minutes. Now, I can borrow up to 25,000 PHP, and I'm very pleased!
    5
  • Agila
    Digido helped me avoid the hassle of dealing with EastWest Bank's credit card requirements when I was facing urgent financial difficulties. Their simple and speedy loan approval process required only one identification document.
    5
  • Theresa
    This app is very helpful and easy to apply. Thank you so much! More power to Digido! Highly recommended.
    4
  • Derick
    This loan app is very convenient to use, easy to borrow cash especially during Petsa de peligro or anytime you need money. Easy to repay with low interest rate.
    5
  • Edelyn
    Fast and efficient. Good service too. Low interest and longer time for payment terms. Highly recommended.
    4
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→ Useful information about fast online cash loans for blacklisted

FAQ

  • How can I check my EastWest credit card balance?
    Go to Smart Menu and select Smart Money. Then select Balance, enter your PIN and press OK. You will receive a text message containing your account balance.
  • How to contact EastWest, if the credit card is stolen?
    You must immediately report a stolen or lost card to the 24-hour Lost Card Hotline at +63288881700 (tap 3).
  • How much is the annual fee for an EastWest credit card?
    It ranges from PHP 1500 to 5000, depending on what card it is.
  • How to track my EastWest credit card?
    Login to your personal account in the EastWest Bank. The main dashboard screen shows your credit card account and balance. Click on the credit card tile to see your balance, available credit, minimum payment, and transaction history.
Disclaimer and Editor’s note


Authors

Digido Financial Writers Team is a team of experts in the field of finance and credit, specializing in writing articles for Digido blogs.
Anna Kireeva
Author pages:
Anna is a marketing communications professional who specializes in digital marketing strategies and long-form content.

Digido Reviews

  • Azen
    Very fast and reliable source of money. Easy payment option also :)
    5
  • Elle
    I recommend this loan app. It's the best app I've tried. Interest is not high, loan term is 30 days. Customer service staff are very nice. Fast cashout too and very reliable.
    5
  • Martinez
    When my EastWest credit card limit is about to expire, I always turn to Digido. Their quick application through the mobile app gets me the money within 5 minutes. Now, I can borrow up to 25,000 PHP, and I'm very pleased!
    5
  • Agila
    Digido helped me avoid the hassle of dealing with EastWest Bank's credit card requirements when I was facing urgent financial difficulties. Their simple and speedy loan approval process required only one identification document.
    5
  • Theresa
    This app is very helpful and easy to apply. Thank you so much! More power to Digido! Highly recommended.
    4
  • Derick
    This loan app is very convenient to use, easy to borrow cash especially during Petsa de peligro or anytime you need money. Easy to repay with low interest rate.
    5
  • Edelyn
    Fast and efficient. Good service too. Low interest and longer time for payment terms. Highly recommended.
    4
Submit review
Submite review
Thank you for review!
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