3% per month or 36% effective rate annually

Php200 per cash advance availment; and 3% Interest Charge imposed on the cash advance amount and Cash Advance Service Fee, which shall accrue from the date of availment until full settlement or payment of the latest Total Statement Balance

Php1,500 or the unpaid Minimum Payment Due, whichever is lower

Php500 when the outstanding balance exceeds the prescribed credit limit within the billing period

Php1,500 for every returned check

Php200 for the retrieval of each retail/installment and mail-order/telephone-order charge slip; Php1,250 for the retrieval of each travel and entertainment charge slip

Php400 for every card replacement

Transactions made in foreign currencies/merchants or those processed by foreign acquirers shall be automatically converted to Philippine Peso at the Visa/Mastercard currency conversion rate on the day the transaction is processed, plus a Foreign Currency Conversion Fee of 2.50% which is comprised of Visa/Mastercard's Assessment Fee and EastWest's Service Fee.

Fee type name, description and rate will be updated effective Oct. 15, 2024:
Foreign Transaction Service Fee
A service fee of 3.00% comprised of Visa/Mastercard Assessment Fee and EastWest’s Service Fee is applied to the following transactions, whether made in/outside the Philippines or online:
     a) Transactions that are charged in foreign-denominated currency then converted and billed in Philippine Peso using the prevailing Visa/Mastercard currency conversion rate on the day the transaction is processed; and
     b) Transactions that are automatically converted then charged in Philippine Peso by a foreign acquirer at point-of-sale.

A 5% service fee shall be charged on gaming/gambling transactions and/or transactions made at gaming/gambling establishments, including the placement of wagers, purchase of lottery tickets, gaming chips, as well as any other values in conjunction with any gaming or gambling activity.

Cardholders are allowed a maximum of three (3) payment transactions in EastWest-accredited Payment Channels posted within a statement cycle. A Php50 fee will be charged for each payment posted after the third payment transaction. Payments made in EastWest Payment Channels will not incur any charge.

Php 150 for every processed refund of overpayment to a non-EastWest deposit account

A fixed processing fee will be applied for every approved Insta-Cash, Balance Transfer and Convert-to-Installment transactions. Php 250 via electronic channels (ESTA or EastWest System Tech Assistant chatbot, EastWest Online and EastWest Mobile App) or Php 500 via our Customer Service hotline.

Effective October 15, 2024:
A fixed processing fee will be applied for every approved Insta-Cash, Balance Transfer, and Convert-to-Installment transactions. Php 500 via electronic channels (EastWest System Tech Assistant chatbot/ESTA, EastWest Online and EastWest mobile banking app/EasyWay) or Php 1,000 via our Customer service-assisted or telesales agent-assisted call (inbound or outbound).

5% of the remaining principal balance or Php500, whichever is higher, for every processed pre-termination on Merchant Installment, Balance Transfer, Insta-Cash and Convert-to-Installment

For closed card accounts which have credit balances, the cardholder shall make the appropriate arrangement with EastWest to collect the credit balance within three (3) months from the card account closing date. Otherwise, EastWest shall deduct from such credit balance a monthly service fee of Php200 to cover for administrative costs incurred by EastWest in maintaining the cardholder's account.

Php200 for every additional copy of credit card Statement of Account

The Minimum Payment Due is the minimum amount that must be paid on or before your Payment Due Date to avoid Late Payment Charge. It is composed of the following: (a) 3.5% of your Total Statement Balance inclusive of all fees and charges and monthly installment/s, if any, but exclusive of any unbilled installment amount, and any amount in excess of your credit card limit; (b) past due amount, if any; and (c) any amount in excess of your credit card limit. The Minimum Payment Due is the sum of (a), (b) and (c); or Php 200, whichever is higher.

At every billing cycle, you have the option to pay the Total Statement Balance, the Minimum Payment Due, or any amount in between. If you do not pay the Total Statement Balance on or before the Payment Due Date as set out in your electronic Statement of Account, an Interest Charge will be imposed. The Interest Charge in your current electronic Statement of Account is based on the daily interest rate (monthly interest rate divided by 30) multiplied by (a) your unpaid Total Statement Balance from your previous Statement date until the date prior to payment, and (b) your cash advance amount and Cash Advance Service Fee from the date of availment until full settlement or payment of the latest Total Statement Balance.

View the Sample Interest Computation here