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EastWest · Visa · Platinum

Visa Platinum

Why pick it: Up to 8.88% back, capped at ₱1,250 a month

Cashback card: 8.88% on dining, department stores, travel, fuel, utilities and named online stores, capped ₱1,250 monthly; 0.3% elsewhere.

Score
54 /100
Rank
#14 of 123
Annual fee
₱4,000
Borderline S/A
GET IT IF…Honest take

Malaking cash rewards sa tamang stores, pero may cap at mataas ang spend para sa auto-waiver.

Bottom line: Kung nasa promoted categories ang karamihan ng spend mo, sulit ito basta magagamit mo ang ₱1,250 monthly cap. Kung hindi, pumili ng ibang card.

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

~₱13,500 ang makukuha ng typical household (~₱825k a year), pero negative ang travel value (~-₱500) dahil sa foreign fee (2.50%), galing sa data. Ang annual fee ay ₱4,000. Pwede kang humingi ng fee waiver, bahala ang bank sa desisyon. #14 ang puwesto nito sa open list ng 123 cards; 54 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

  • Up to 8.88% cash reward (0.3% base plus 8.58% bonus) sa promoted categories, per the T&C.
  • Up to ₱20M na travel insurance para sa family kapag sa card binili ang ticket, plus Visa Concierge at premium perks.

What's bad

  • Capped ang rewards sa ₱1,250 per cycle month, at nag-e-expire ang cash rewards kada 2 years (T&C). 0.3% lang ang earn sa labas ng promoted categories.
  • Walang lounge access na nakalista sa page o sa data.
  • Kailangan mo ng ₱1M a year na income.

The catch: Sabi ng page, automatic na naka-waive ang fee sa ₱1.5M spend within 12 months, pero 'on request' ang waiver, galing sa data. Hindi aabot dito ang typical household, kaya magbabayad ka ng fee o hihingi ng waiver. Nasa hiwalay na T&C ang rates, cap at ₱500 minimum redemption. May ₱5,000 welcome bonus na binabanggit ang page, pero hindi namin nakita ang conditions.

Rechecked on the bank page on 2026-10-24. Not on the page: earn rates by category and monthly cap (only in the separate cash rewards T&C); lounge access; waiver on request; welcome bonus conditions. 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 ₱13,000 in rewards (₱13,500) and travel value (−₱500), before the ₱4,000 annual fee (on request; the bank decides)
To qualify:
₱1,000,000 a year income; Employed and self-employed: valid credit card reference and latest statement
Bank service:
About typical.

First year

Welcome offer:
₱5,000 cash credit for ₱10,000 spend within 2 months (new-to-bank applicants). (no end date stated)
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.

Who can apply

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

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

#14 of 123 cards open to new applicants, and #18 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value36 / 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 spend28 / 37

      About ₱13,500 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 waivers0 / 16

      A ₱4,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend2 / 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% 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 flexibility6 / 10

    Cashback is simple to use but cannot move to an airline. 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 ₱13,500 a year in rewards and −₱500 in travel value.

Score over time

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

methodmethodmethodmethod68 SOct 2468 SOct 2654 AOct 2755 ANov 255 ANov 455 ANov 955 ANov 1054 ANov 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
₱4,000
Supplementary fee
₱2,000
Fee waiver
On request; the bank decides
Foreign transaction fee
2.50%
Minimum income
₱1,000,000 a year
Also needs
Employed and self-employed: valid credit card reference and latest statement

Rewards

8.88% cash back on straight charges at department stores, dining and food delivery, select online stores, airlines, hotels, travel, car rental, fuel and utilities; 0.3% elsewhere, including supermarkets and drugstores. Installments are excluded. Redeem as statement credit in ₱500 or ₱1,000 blocks.

Caps: ₱1,250 per month (all)

Type
Cashback
Points expiry
24

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

Watch out for

  • Rewards capped at ₱1,250 a month

Live and upcoming promos (39)

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

Show 34 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 ↗