Skip to content
SulitCard
Illustration, not the bank's artwork.

EastWest · Mastercard · Platinum

Platinum MC

Why pick it: No annual fee for life and ₱20M family insurance

No-annual-fee-for-life Platinum: 1 point per ₱40, transferable to Asia Miles, Mabuhay Miles or KrisFlyer; free virtual card.

Score
29 /100
Rank
#54 of 123
Annual fee
Free for life
Solid B
GET IT IF…Honest take

Waived for life ang fee, pero ₱1.8M a year ang income requirement.

Bottom line: Okay ito kung pasok ka sa income at gusto mo ng free card na may insurance. Kung rewards ang goal mo, 1 point per ₱40 lang ang earn dito.

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

Sa typical household (~₱825k a year), umaabot sa ~₱2,500 ang balik ayon sa data, at ~-₱500 ang travel value. 29 ang score nito, kaya #54 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

  • Waived perpetually ang fee para sa principal at supplementary, kumpirmado sa page.
  • May Priority Pass membership ito, 1,300+ lounges worldwide ayon sa page.
  • Hanggang ₱20M ang travel accident insurance at saklaw ang pamilya mo, kapag sa card binili ang fares (air, land, o sea).

What's bad

  • ₱1.8M a year ang income requirement.
  • Sa foreign spend, 2.50% ang singil per the page, kaya hindi ito bagay sa abroad spend.
  • Ayon sa data, zero ang free lounge visits kahit may Priority Pass. Per the page, US$27 per person per visit ang usage fee, na ibinabalik kada ₱100,000 sa travel tickets at international spend.
  • Maliit ang earn: 1 point per ₱40 lang. Per the Platinum Rewards T&C, walang points ang utility at telco bills na auto-charged via Quick Bills.

The catch: Hindi sinasabi ng card page kung ilang free lounge visits ang meron, kaya magtanong ka muna sa bank bago mo i-count ang lounge.

Rechecked on the bank page on 2026-10-24. Not on the page: number of free lounge visits. 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 ₱2,000 in rewards (₱2,500) and travel value (−₱500), before the card's fees (no annual fee)
To qualify:
₱1,800,000 a year income; Self-employed: must show an existing credit card and latest statement
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

#54 of 123 cards open to new applicants, and #76 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value12 / 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 spend6 / 37

      About ₱2,500 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

      No annual fee. 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. It includes 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 36 live promos tracked. How it is scored

  • Points flexibility7 / 10

    3 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 path3 / 5

    Platinum 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 ₱2,500 a year in rewards and −₱500 in travel value.

Score over time

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

methodmethodmethodmethod51 BOct 2450 BOct 2629 BOct 2729 BNov 229 BNov 429 BNov 929 BNov 1029 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
Free for life
Supplementary fee
₱0
Fee waiver
No annual fee
Foreign transaction fee
2.50%
Minimum income
₱1,800,000 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
Asia Miles, PAL Mabuhay Miles, KrisFlyer

Travel perks

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

Strengths

  • No annual fee for life
  • Travel insurance up to ₱20M covering family
  • Points don't expire; 3 airline partners

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 ↗