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Illustration, not the bank's artwork.

EastWest · Visa

foodpanda Visa

Why pick it: 10% back on foodpanda orders, then 3%

foodpanda co-brand: 10% back on foodpanda orders (capped), credited to pandapay wallet; 1% international, 0.3% other spend.

Score
33 /100
Rank
#48 of 123
Annual fee
₱1,200
Solid B
GET IT IF…Honest take

Madalas kang um-order sa foodpanda? May cashback ka. Sa ibang spend, 0.3% lang ang earn.

Bottom line: Solid na add-on kung regular na habit mo ang foodpanda. Kung hindi, mas mataas ang balik ng ibang cards.

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

Kung ilalagay ng typical household (~₱825k a year) ang lahat ng spend dito, ~₱5,500 ang kita, from our data, bilang credit sa pandapay wallet ng foodpanda, hindi cash. ~-₱500 ang travel value, negative dahil sa 2.50% sa foreign spend (per the page). ₱1,200 ang annual fee, libre sa year one; pagkatapos, pwede kang mag-request ng waiver, bahala ang bank. 33 ang score nito, kaya #48 sa 123 open cards.

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

  • 10% cashback sa foodpanda orders until ₱400 cap, 3% after the cap (may conflict sa page, tingnan ang catch).
  • 1% cashback sa international spend, at free ang fee sa first year para sa new-to-bank customers.
  • 6 months ng free pandapro, from our data.

What's bad

  • 0.3% lang ang earn sa local spend na labas ng foodpanda.
  • ₱1,000 a month ang cap ng total cashback, at sa pandapay wallet lang nako-credit; hindi pambayad ng annual fee o statement (T&C).
  • Mas malaki ang 2.50% na singil sa foreign spend kaysa sa 1% cashback abroad.

The catch: 3% na ang cashback pagkatapos ng ₱400 cap, ayon sa page at sa T&C, pero wala ito sa earn rules from our data, kaya baka mas mataas ang real return kung madalas kang mag-order. Nagkakasalungat din ang page tungkol sa cap: ₱4,000 na orders sa features block, ₱400 sa FAQ at table. ₱400 ang ginamit namin. Sumusunod sa rules ng pandapay ang cashback, ayon sa T&C.

Rechecked on the bank page on 2026-10-24. Not on the page: who is eligible for the free pandapro subscription. 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 ₱5,000 in rewards (₱5,500) and travel value (−₱500), before the ₱1,200 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

Welcome offer:
Complimentary 6-month pandapro subscription for new cardholders (no end date stated)
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

#48 of 123 cards open to new applicants, and #69 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value19 / 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 spend12 / 37

      About ₱5,500 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 waivers16 / 16

      A ₱1,200 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

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

  • Promos and 0% installments6 / 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 39 live promos tracked. How it is scored

  • Points flexibility3 / 10

    Rewards are store credit that works at one merchant. How it is scored

  • Credit limit and upgrade path2 / 5

    No standard card level. The score also reflects 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 ₱5,500 a year in rewards and −₱500 in travel value.

Score over time

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

methodmethodmethodmethod48 BOct 2448 BOct 2632 BOct 2733 BNov 233 BNov 433 BNov 933 BNov 1033 BNov 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
₱1,200
Supplementary fee
₱600
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

10% cash back on foodpanda orders, 1% on international spend, 0.3% on other domestic spend. Cashback goes to your foodpanda pandapay wallet every week.

Caps: ₱400 per month (dining); ₱1,000 per month (all)

Type
Store credit
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • Rewards on dining capped at ₱400 a month
  • Rewards are store credit, usable at one merchant

Live and upcoming promos (39)

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

Show 34 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 ↗