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SulitCard
Illustration, not the bank's artwork.

EastWest · Mastercard · Titanium

EveryDay Titanium MC

Why pick it: 5% on groceries and gas with ₱10k other spend

Essentials cashback card: up to 5% on supermarket, drugstore and fuel, only with ₱10,000+ monthly non-essential spend; ₱1,000 cap.

Score
42 /100
Rank
#30 of 123
Annual fee
₱2,800
Solid A
GET IT IF…Honest take

Grocery at gas card ito, pero kailangan mo ring gumastos sa ibang categories para makuha ang top rate.

Bottom line: Sulit ito kung grocery at gas ang bulk ng gastos mo, at naglalagay ka rin ng ₱10,000 a month sa ibang gastos. Kung hindi, mabilis bumaba ang rebate.

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

Kung ilalagay ang buong spend ng typical household (~₱825k a year) sa card na ito, umaabot sa ~₱10,500 ang balik, pero ~-₱2,000 ang travel value, negative dahil sa 3.00% sa foreign spend, kumpirmado sa page. Annual fee: ₱2,800, free sa first year. Pagkatapos ng first year, puwede kang mag-request ng waiver, bahala ang bank sa bawat request, galing sa data. Sa open list, #30 ito mula sa 123; 42 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

  • Hanggang 5% ang rebate sa supermarket, drugstore at gas, kumpirmado sa page.
  • Libre ang fee sa first year, para sa new-to-bank customers lang.
  • Mababa ang income requirement: ₱480,000 a year.

What's bad

  • Para makuha ang 5%, kailangan ng at least ₱10,000 sa non-essential spend bawat billing period. 3% ang rebate sa ₱5,000 hanggang ₱10,000, at 0.5% sa ibaba ng ₱5,000 (T&C).
  • ₱1,000 a month ang rebate cap, at ₱200 ang minimum credit (T&C).
  • May 3.00% na service fee ang foreign spend, kasama ang Mastercard assessment fee, kumpirmado sa page. Huwag itong gamitin abroad.

The catch: Nasa card page ang 5% at ang ₱10,000 condition. Nasa separate T&C page ang lower tiers, ang monthly cap at ang exclusions tulad ng installments. Walang rebate ang non-essential spend mismo, galing sa data.

Rechecked on the bank page on 2026-10-24. Not on the page: rebate tiers below PHP 10,000, monthly cap and exclusions (only in the separate T&C page). 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 ₱8,500 in rewards (₱10,500) and travel value (−₱2,000), before the ₱2,800 annual fee (on request; the bank decides)
To qualify:
₱480,000 a year income; Employed and self-employed: valid credit card reference 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.

Who can apply

Age:
At least 21; no maximum age stated.
Existing card:
Both employed and self-employed applicants list a valid credit card reference and the latest month statement of account.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; 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

#30 of 123 cards open to new applicants, and #39 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value25 / 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 spend22 / 37

      About ₱10,500 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 waivers4 / 16

      A ₱2,800 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱2,000 of travel value on one trip abroad a year, after the 3.00% 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 flexibility6 / 10

    Cashback is simple to use but cannot move to an airline. 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 ₱10,500 a year in rewards and −₱2,000 in travel value.

Score over time

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

methodmethodmethodmethod60 AOct 2460 AOct 2643 AOct 2743 ANov 243 ANov 443 ANov 943 ANov 1042 ANov 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
₱2,800
Supplementary fee
₱1,400
Fee waiver
On request; the bank decides
Foreign transaction fee
3.00%
Minimum income
₱480,000 a year
Also needs
Employed and self-employed: valid credit card reference and latest statement

Rewards

Cash back on supermarket, drugstore and gas spend: 5% when your other spend in the cycle is ₱10,000 or more, 3% at ₱5,000 to ₱10,000, 0.5% below that. Other spend earns nothing. Wholesale clubs, Quick Bills and installments are excluded.

Caps: ₱1,000 per month (groceries, fuel, drugstores)

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • High FX fee (3.00%): avoid using it abroad
  • Rewards on groceries, fuel and drugstores capped at ₱1,000 a month

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 ↗