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Illustration, not the bank's artwork.

EastWest · Mastercard · Classic

Practical MC

Why pick it: Low ₱1,400 annual fee, ₱700 for extra cards

Legacy EastWest entry Mastercard, absent from the current product listing; ₱1,400 annual fee, rewards program not published.

Score
18 /100
Status
Closed to new
Annual fee
₱1,400
#145 of all 170 scored cardsThin data

Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.

KEEP IT IF YOU HAVE ITHonest take

Legacy entry Mastercard na closed sa bagong applicants, from our data.

Bottom line: Kung nasa iyo na ito, keep mo lang kapag okay sa'yo ang fee kada taon. Kung bagong card ang hanap mo, hindi namin makumpirma na bukas pa ito, kaya mag-check ka sa bank at tumingin din ng ibang cards.

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

Rough estimate lang ito, kasi 'unknown' ang earn rate sa data namin. Kung hawak mo na ito, ~₱2,000 ang kinokolekta ng typical household (~₱825k a year), pero ang travel value ay ~-₱1,500 dahil sa foreign transaction fee. Annual fee: ₱1,400. Sa waiver, ikaw ang magre-request pero sa bank ang final na desisyon.

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

  • ₱1,400 lang ang annual fee at ₱700 ang supplementary, per the fees page.
  • The income requirement is ₱120,000 a year, from our data.

What's bad

  • 3.00% ang foreign transaction service fee (Mastercard assessment plus EastWest service fee), per the fees page.
  • The return is small, from our data, and no lounge or travel insurance appears on the pages we read.

The catch: Kaunti ang source namin dito. Nakalista pa rin ito sa fees page ng EastWest, pero hindi gumana ang card page URL na sinubukan namin at hindi namin nahanap ang application section. Hindi rin namin makumpirma ang earn rate at kung bukas pa ito sa bagong applicants, kaya itanong sa bank.

Rechecked on the bank page on 2026-10-24. Not on the page: card page or application section (the card page URL we tried returned 404); earn rate; minimum income; whether the card is still open to new applicants; lounge access; travel insurance. 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 (₱2,000) and travel value (−₱1,500), before the ₱1,400 annual fee (on request; the bank decides)
To qualify:
₱120,000 a year income (closed to new)
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value6 / 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 ₱2,000 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 ₱1,400 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,500 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 flexibility2 / 10

    Bank points with no airline partner that 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

    Classic 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 ₱2,000 a year in rewards and −₱1,500 in travel value.

Score over time

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

methodmethodmethodmethod39 DOct 2439 DOct 2617 DOct 2717 DNov 217 DNov 417 DNov 918 DNov 1018 DNov 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
₱1,400
Supplementary fee
₱700
Fee waiver
On request; the bank decides
Foreign transaction fee
3.00%
Minimum income
₱120,000 a year

Rewards

The earn rate is not on the page; check with EastWest.

Type
Points
Points expiry
unknown

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • High FX fee (3.00%): avoid using it abroad
  • Some details could not be verified

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 ↗