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EastWest · Visa or Mastercard · Gold

Gold

Why pick it: ₱20M family travel insurance, ₱480k income

Basic rewards Visa: 1 Limitless point per ₱100, redeemable at about 0.33% as cash or eGifts; ₱2,500 annual fee.

Score
22 /100
Rank
#90 of 123
Annual fee
₱2,500
Borderline C/D
GET IT IF…Honest take

May ₱20M travel insurance na sakop ang family, pero manipis ang earn.

Bottom line: Kunin ito kung bumibiyahe kayo ng family at gusto mo ng ₱20M insurance sa card na mababa ang hinihinging income. Kung rewards ang habol mo, skip.

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

Pagkatapos ng first year, ₱2,500 na ang fee kada taon. Puwede mong ipa-waive sa bank ang fee, pero sila ang may hawak ng desisyon. Nakakakuha lang ng ~₱1,500 ang typical household (~₱825k a year) ayon sa tantiya namin, at ~-₱1,000 naman sa travel. Ang score ay 22, at #90 ang puwesto sa 123 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

  • Travel accident and inconvenience insurance up to ₱20M covering family, when fares are bought with the card.
  • Libre ang fee sa first year, para sa new-to-bank cardholders lang.
  • Mababa ang hinihinging income: ₱480,000 a year.

What's bad

  • 1 point per ₱100 lang ang earn.
  • No lounge access is listed on the page or in our data.
  • Mas malaki ang ₱2,500 na fee kaysa sa ~₱1,500 na rewards kung hindi ito i-waive. 7,580 points ang kapalit ng fee waiver sa Limitless catalog.
  • Per the Limitless Rewards T&C C.3, hindi nag-e-earn ng points ang utility at telco bills na auto-charged via Quick Bills. Hindi excluded ang direct biller charges.

The catch: Redeemable ang points para sa eGift rewards, Limitless Rewards vouchers, miles o cash rebate. Hindi nakasaad sa card page kung magkano ang halaga ng bawat point; nasa Limitless catalog lang iyon. Visa ang na-score namin.

Rechecked on the bank page on 2026-10-24. Not on the page: value per point on the page itself (only in the Limitless catalog); 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 ₱500 in rewards (₱1,500) and travel value (−₱1,000), before the ₱2,500 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

#90 of 123 cards open to new applicants, and #125 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value7 / 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 ₱2,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,000 of travel value on one trip abroad a year, after the 2.50% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. 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 flexibility4 / 10

    2 airline partners, and points 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 path2 / 5

    Gold 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 −₱1,000 in travel value.

Score over time

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

methodmethodmethodmethod46 BOct 2445 BOct 2621 COct 2721 CNov 221 CNov 421 CNov 921 CNov 1022 CNov 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
₱2,500
Supplementary fee
₱1,250
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
Airline partners
PAL Mabuhay Miles, airasia rewards

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
Up to ₱20,000,000, covers family

Strengths

  • Travel insurance up to ₱20M covering family
  • Points don't expire; 2 airline partners

Live and upcoming promos (43)

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

Show 38 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 ↗