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

EastWest · Visa

Puregold Always Panalo Visa

Why pick it: 3.33% back at Puregold as P-Wallet credit

Puregold co-brand: 1 point per ₱30 at Puregold, 1 per ₱100 elsewhere, redeemed as Puregold P-Wallet credit; monthly-billed annual fee.

Score
40 /100
Rank
#34 of 123
Annual fee
₱1,200
Borderline A/B
GET IT IF…Honest take

Para lang sa Puregold regulars. Puregold P-Wallet ang tanging redemption na nakalista sa page.

Bottom line: Kung sa Puregold ka nag-go-grocery, bagay ito bilang second card. Kung hindi, mahina ang return.

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

Return ng typical household (~₱825k a year): ~₱8,000, pero sa Puregold P-Wallet mo lang magagamit, base sa data. Negative ang travel value na ~-₱500 dahil sa foreign fee (3.00%, nakita sa page). Annual fee: ₱1,200; tingnan ang catch para sa waiver. #34 ang puwesto nito sa open list ng 123 cards; 40 ang score.

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 point per ₱30 sa Puregold (3.33%), kumpirmado sa page.
  • 1 point = ₱1 sa Puregold P-Wallet, per the page. Ayon sa T&C, 1 point per ₱100 din ang earn ng utilities at e-commerce.
  • Mababa ang income requirement: ₱480,000 a year.

What's bad

  • 1 point per ₱100 (1%) lang sa ibang stores.
  • May 3.00% na service fee ang foreign spend, kumpirmado sa page, kaya huwag itong gamitin abroad.

The catch: Ayon sa page, ma-waive ang fee kapag umabot ng ₱80,000 ang cross-border at e-commerce spend sa isang taon, pero sabi ng data, kahit anong yearly spend ay counted. Sa Puregold T&C, capped sa 3,000 points (₱3,000) per billing month ang rewards, at kasama ang cap na iyon sa data. Hindi nakasaad sa T&C ang points expiry, pero forfeited lahat ng points kapag na-terminate ang card.

Rechecked on the bank page on 2026-10-24. Not on the page: points expiry (the T&C does not state one); whether the first-year fee is free; any redemption other than the Puregold P-Wallet. 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 ₱7,500 in rewards (₱8,000) and travel value (−₱500), before the ₱1,200 annual fee (waived automatically at ₱80,000 yearly spend)
To qualify:
₱480,000 a year income; Employed and self-employed: valid credit card reference and latest statement
Bank service:
About typical.

Who can apply

Age:
At least 21; no maximum age stated.
Existing card:
Both employed and self-employed applicants list a valid credit card reference and the latest month statement of account.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; 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

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

  • Yearly value26 / 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 spend17 / 37

      About ₱8,000 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

      The ₱1,200 fee is waived automatically at ₱80,000 of yearly spend, which the typical household reaches. 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 3.00% 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 40 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 ₱8,000 a year in rewards and −₱500 in travel value.

Score over time

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

methodmethodmethodmethod53 BOct 2453 BOct 2639 BOct 2739 BNov 239 BNov 439 BNov 940 BNov 1040 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
Waived automatically at ₱80,000 yearly spend
Foreign transaction fee
3.00%
Minimum income
₱480,000 a year
Also needs
Employed and self-employed: valid credit card reference and latest statement

Rewards

1 point per ₱30 at Puregold and per ₱100 elsewhere. 1 point = ₱1 in the Puregold P-Wallet, usable at Puregold only. Up to 3,000 points per billing cycle.

Caps: ₱3,000 per month (all)

Type
Store credit
Points expiry
unknown

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Fee auto-waived at ₱80,000 yearly spend

Watch out for

  • High FX fee (3.00%): avoid using it abroad
  • Rewards capped at ₱3,000 a month
  • Rewards are store credit, usable at one merchant

Live and upcoming promos (40)

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

Show 35 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 ↗