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EastWest · Mastercard · Titanium

Dolce Vita Titanium MC

Why pick it: ₱480k income bar and a first-year fee waiver

Lifestyle rewards card: 1 Charm per ₱100, redeemable at about 0.33% as vouchers or cash rebate; no miles option.

Score
19 /100
Rank
#102 of 123
Annual fee
₱2,000
Solid D
SKIP ITHonest take

Charms ang tawag sa points, at mas malaki ang annual fee kaysa sa balik kapag hindi na-waive.

Bottom line: Karaniwan lang ang card na ito. Skip, maliban kung may Dolce Vita ka na at gusto mo lang itong i-keep.

Read the full take: the math, what's good, what hurts

Kung typical household (~₱825k a year) ang gagastos, ang balik ay ~₱1,500, habang ~-₱1,500 ang lumalabas sa travel, negative dahil sa 2.50% na singil sa foreign purchases. Libre ang year one, tapos ₱2,000 na ang fee. Kapag humingi ka ng waiver, ang bank ang magpapasya. Sa open list, #102 ito sa 123 cards, at 19 ang score.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • Sa page mismo makikita ang foreign fee: 2.50%.
  • Charms can be redeemed for an eGift, Charms vouchers, a charity donation or an annual fee waiver.
  • Libre ang fee sa first year para sa new-to-bank customers, at ₱480,000 a year lang ang income requirement.

What's bad

  • 1 Charm per ₱100 ang earn, at sabi ng Charms T&C, hindi kumikita ng points ang utility at telco bills na auto-charged via Quick Bills.
  • A fee waiver via Charms must be redeemed within 2 months after the fee is charged.
  • Lounge at travel insurance: hindi makikita sa page.

The catch: Kung may Dolce Vita Classic ka na dati, ₱1,600 ang fee mo ayon sa page. Sa Charms T&C (nabasa noong 2026-10-26), hindi excluded ang bills na direkta mong ini-charge sa biller.

Rechecked on the bank page on 2026-10-24. Not on the page: value per Charm on the page itself (only in the Charms catalog); travel insurance; lounge access. Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about ₱0 in rewards (₱1,500) and travel value (−₱1,500), before the ₱2,000 annual fee (on request; the bank decides)
To qualify:
₱480,000 a year income; Self-employed: must show an existing credit card and latest statement
Bank service:
About typical.

First year

Annual fee:
First-year annual fee waived for new-to-bank applicants only.

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#102 of 123 cards open to new applicants, and #141 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value6 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend4 / 37

      About ₱1,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers12 / 16

      A ₱2,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,500 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work

  • Promos and 0% installments5 / 15

    0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 36 live promos tracked. How it is scored

  • Points flexibility2 / 10

    Bank points with no airline partner that do not expire. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path3 / 5

    Titanium card level, plus how EastWest handles credit limit increases and card upgrades. How it is scored

  • App and service3 / 5

    Banking app: strong. Service: about typical. How it is scored

  • Late fee0 / 2

    A late fee of ₱1,500 for one missed payment. How it is scored

On the default spend: about ₱1,500 a year in rewards and −₱1,500 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod42 DOct 2441 DOct 2619 DOct 2719 DNov 219 DNov 419 DNov 919 DNov 1019 DNov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱2,000
Supplementary fee
₱1,000
Fee waiver
On request; the bank decides
Foreign transaction fee
2.50%
Minimum income
₱480,000 a year
Also needs
Self-employed: must show an existing credit card and latest statement

Rewards

Utility and telco bills charged through Quick Bills earn no points.

Type
Points
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Live and upcoming promos (36)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 31 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official EastWest card page ↗