Credit Card EastWest: Application, Online, Hotline - How to Apply?

Credit Card EastWest: Application, Online, Hotline - How to Apply?

What is EastWest Bank?

Established in 1994, EastWest Bank is a universal bank that provides a complete range of products and services to consumers, small and medium enterprises (SMEs), and corporate clients.

As a consumer-focused bank, Eastwest has been aggressively expanding its credit card business and market share for auto loans. As a result, the bank has become one of the largest credit card issuers and auto loan providers in the country.

EastWest Bank has a strong presence in the Philippines with over 490 branches and 584 ATMs nationwide. It also has an extensive online banking facility which caters to both personal and business users. Its strong capital base, prudent risk management practices, and experienced management team have helped EastWest become a leading player in the banking industry.

Credit card EastWest, how does it work?

EastWest credit card essentially allows you to borrow money up to a certain limit to purchase items or withdraw cash. Credit cards typically have a set interest rate and a minimum monthly payment that must be made to avoid accruing additional interest charges. You'll need to make monthly payments on the balance of the loan until it's paid off.

Credit cards are a convenient way to pay for things, but they can also be dangerous if you're not careful. It's important to always pay your balance in full each month and never borrow more than you can afford to repay.

In addition, credit cards can also help you build your credit history. Having a good credit history makes it easier to get approved for loans and other forms of credit in the future.

How to apply for credit card EastWest?

It is easy to apply for an EastWest bank credit card. You can either go to a bank branch or apply online. You just need to fill out an application form and provide the required documents that show proof of identity and proof of income.

If you are approved for the card, you will receive it in the mail within a few days. Be sure to read the terms and conditions carefully before using the card.

Requirements for credit card EastWest

  • Must be a Filipino citizen or a Philippine resident

  • Must be 21 years old upon application

  • Must have a valid landline and mobile phone

  • Must meet the minimum gross income requirement for each credit card type – anywhere from PHP 120,000 to PHP 1,800,000

  • Must provide proof of identity (e.g., government-issued ID with photo and signature)

  • Passport

  • LTO Driver’s License

  • PRC

  • SSS / UMID

  • Postal ID

  • Company ID

  • Must provide proof of income

  • Certificate of Employment  (COE) with details of compensation

  • Payslips (3 months)

  • Latest ITR

  • If self-employed: Audited financial statement

How to check for an application status?

To check your EastWest credit card application status, you may call EastWest bank customer service or send them an e-mail.

Can I make an online application?

Yes. You can apply for an EastWest credit card online through the EastWest Bank credit card application page . The online application is simple and takes just a few minutes to complete. But first, you must determine what credit card you want. There are many different types of Eastwest Bank credit cards to choose from, so it is important to determine which one is best for your needs. Some cards have no annual fee, while others have high rewards rates. Look at the features and benefits of each card before making a decision.

Next, gather the required documents. You will need to provide certain documentation when applying for a EastWest bank credit card. Make sure you have these items ready before starting the application process.

How to activate the credit card EastWest Bank?

You have to activate your EastWest credit card before you can use it. For EastWest credit card activation requests via SMS, text (0917)-888-1700 using the format:

EWBCC <space><your message>

Alternatively, you can call the EastWest Bank customer service hotline and follow the instructions.

How to cancel the credit card EastWest?

There is no need to visit a branch or go through a long process to cancel your EastWest credit card. EastWest offers its cardholders the convenience of a 24-Hour Customer Service Hotline to cancel their credit cards. This service is available by calling (632) 888-1700 from anywhere in the Philippines.

The customer service representative will take care of everything for you. Just be sure to have your credit card number and other account information handy when you call.

You may also choose to send a written notice to EastWest Bank's mailing address, specifying that you would like to cancel your credit card account.

How long does it take for credit card EastWest to arrive?

The processing, evaluation, approval, and delivery of your EastWest credit card can take 2 to 3 weeks.

How to transfer money to the credit card EastWest?

Credit card limit

A credit card limit is the maximum amount of money that a credit card issuer will allow a cardholder to borrow at any one time. The limit is usually set based on the borrower's credit score, income, and other factors. It can also be increased upon request with proof of additional income.

EastWest offers different tiers of cards with increasing credit limits for those with better credit scores and ability to pay. EastWest credit cards for beginners typically have a minimum credit limit. The bank has the sole discretion to determine the amount of the credit limit.

EastWest credit card interest rate and fees

The interest rate for EastWest credit card is set at 2% per month (or an annual effective rate of 24%). The bank may charge additional fees depending on the transaction:

  • Annual Membership Fees can be anywhere from PHP 1,400 to PHP 5,000 depending on the type of credit card. Here are the EastWest credit card annual fees for specific cards:

  • EastWest Visa Platinum credit card: PHP 2,750

  • EastWest EveryDay Titanium Mastercard: PHP 2,800

  • EastWest Dolce Vita Titanium Mastercard: PHP 2,000

  • EastWest Visa/Mastercard: PHP 1,500-2,500

  • EastWest Practical Mastercard: PHP 1,400

  • EastWest Singapore Airlines KrisFlyer World Mastercard: PHP 5,000

  • EastWest Singapore Airlines KrisFlyer Platinum Mastercard: PHP 4,000

  • EastWest Hyundai Mastercard: PHP 2,000

  • Late Payment fee is PHP 1,000 (USD 20) or the minimum amount due, whichever is lower.

  • Overlimit Fee is PHP500 per occurrence.

  • Cash Advance Fee is PHP 200 (USD 4) per transaction.

How to make a balance inquiry?

You can view your EastWest credit card balance through the Eastwest Online portal . Enroll your credit card and gain access to all the features of the online platform. Alternatively, you can check your available credit limit, credit card balance, rewards points, and rebates through the EastWest Mobile App, which is available for download on the Google Play Store for Android, App Store for iOS, or AppGallery for Huawei.

Where to pay EastWest credit card?

There are various places where you can pay for your EastWest credit card. One of the easiest and most convenient ways to do so is through the bank's online banking portal. This allows you to make a payment without having to go through the hassle of going to a physical location.

You can also pay your EastWest credit card bill through an automatic debit arrangement if you have an EastWest deposit account.

You can also pay your credit card bill through accredited online and over-the-counter payment channels:

  • BancNet ATMs

  • BDO branches

  • SM Bills Payment Centers and Business Service Centers

  • Selected Walter Mart Malls

  • Selected Watsons stores

  • GCash

  • Komo

How to pay EastWest credit card online?

EastWest Bank offers its customers a convenient and secure way to pay their credit card bills online. The first step is to go to the EastWest Bank Online and log in with your registered username and password.

You can also pay your EastWest credit card bill online by logging into your account through the Eastwest Mobile app.

Credit card EastWest benefits

EastWest credit cardholders enjoy a number of benefits, rewards, and benefits. These include discounts and exclusive deals on travel, dining, shopping, and more. EastWest also offers its cardholders special rates and terms on balance transfers and cash advances. Plus, there are no annual fees or foreign transaction fees associated with some types of credit card.

EastWest credit card promo

EastWest always has credit card promos where you can get exclusive deals and discounts from participating shops. Eastwest partners with a number of merchans—from dining to shopping to travel—so you’re sure to get rewarded every time you use your EastWest credit card.

EastWest credit card no annual fee

Eastwest has waived the annual fee perpetually for EastWest Priority Visa Infinite credit card and EastWest Platinum Mastercard. For other cards, you can request for the reversal of your credit card annual fee by calling the 24/7 Eastwest Bank Credit Card Hotline.

EastWest credit card customer service

  • EastWest Credit Card Hotline Contact number: (+632) 8888-1700

  • Email address:

  • Follow the login steps when you use EastWest Bank Credit Card Online page or EastWest Mobile App.

Credit card EastWest reviews

EastWest credit cards generally get positive reviews from cardholders because of excellent customer service. They also praise the rewards programs and added perks from using the credit card. Some minor complaints are usually about the high annual fees that are not waived for the first year. Overall, EastWest is a good option for those looking for a credit card that has an array of benefits and rewards that can stretch their purchasing power.

Have you used the credit card EastWest? Share your experience here.

Penafrancia Gonzal

Delivery of card took so long.

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This article was updated on 10 december 2023