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EastWest · JCB · Gold

JCB Gold

Why pick it: ₱20M travel insurance and 2% foreign fee

JCB Gold: 1 point per ₱100 (0.2% cash rebate), JCB Plaza lounges in Japan and Hawaii, ₱2,500 annual fee.

Score
23 /100
Rank
#88 of 123
Annual fee
₱2,500
Borderline C/D
GET IT IF…Honest take

May lounge sa Japan at Hawaii at ₱20M travel insurance, pero kakaunti ang tumatanggap ng JCB, galing sa data.

Bottom line: Kung madalas ka sa Japan o Hawaii, okay itong add-on. Kung hindi, wala itong maibibigay na hindi mo makukuha sa mas malakas na card.

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

Libre ang ₱2,500 na annual fee sa first year. Pagkatapos nito, tanungin ang bank tungkol sa waiver; sila ang magdedesisyon. Tinatayang ~₱500 lang ang balik ng typical household (~₱825k a year). Ang travel side ay nasa ~₱1,000. 23 ang score; #88 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

  • Low foreign transaction fee of 2.00%, confirmed on the page.
  • Hanggang 6 visits kada annual service period sa JCB Airport Lounge sa Japan at Hawaii.
  • May travel insurance na hanggang ₱20M, ayon sa page. Mababa rin ang income requirement: ₱480,000 a year.

What's bad

  • 1 point per ₱100 lang ang earn, ayon sa card page.
  • Per the JCB rewards terms, hindi nag-e-earn ng points ang utility at telco payments via Quick Bills. Hindi excluded ang direct biller charges, ayon din sa terms.
  • Pagkatapos ng first year, hindi na free ang fee; 12,500 points ang gastos ng waiver sa rewards page.

The catch: Redeemable ang points para sa miles, cash rebate o annual fee waiver. Kung self-employed ka, kailangan mo ng existing credit card at ng latest statement mo.

Rechecked on the bank page on 2026-10-24. Not on the page: how widely JCB is accepted. 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 ₱1,500 in rewards (₱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:
Annual fee free in the first year.

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

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

  • Yearly value10 / 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 spend2 / 37

      About ₱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 spend3 / 10

      About ₱1,000 of travel value on one trip abroad a year, after the 2.00% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and travel insurance, though insurance counts only a little toward this figure and the score. 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 34 live promos tracked. How it is scored

  • Points flexibility2 / 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 ₱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 2446 BOct 2622 COct 2722 CNov 222 CNov 422 CNov 922 CNov 1023 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
2.00%
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, Asia Miles

Travel perks

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

Strengths

  • Low FX fee (2.00%)
  • 6 free international lounge visits a year
  • Travel insurance up to ₱20M covering family
  • Points don't expire; 2 airline partners

Watch out for

  • JCB is accepted at fewer merchants

Live and upcoming promos (34)

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

Show 29 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 ↗