Eastwest Credit Card Application: Requirements and Step-by-Step Guide

Filinvest-owned EastWest Bank is one of the leading banking institutions in the country. But aside from its regular bank products and services, such as loans and savings accounts, EastWest Bank is also known for its wide array of credit cards.

An EastWest credit card is the best option if you put a premium on your lifestyle. A vast selection of EastWest bank credit cards is designed for people who love shopping, traveling, and dining out. But it also offers cards ideal for essential and everyday purchases.

Check out this comprehensive EastWest credit card application guide if you’re interested in getting one.

Why Apply for an EastWest Credit Card?

Not sure if an EastWest Bank credit card is right for you? Here are some excellent reasons to get one.

✅ Many Credit Cards to Choose From

Just this August, one of its credit card offerings, the EastWest Bank JCB credit card, won Best Credit Card in the Philippines in the Excellence in Retail Financial Services and Technology Innovation Award for 2023 by The Asian Banker.^[1]

When it comes to credit cards, you’re spoilt for choice with EastWest Bank. You can either get a rewards card to earn points or a cash rebate card to earn cashback on your spending. If traveling is your cardio, its credit cards can earn airline miles for a certain amount spent and unlock privileges in different airports worldwide.

✅ Convenient Credit Card Online Application

While you can always go to your preferred EastWest Bank branch to apply, there’s a more convenient way to do it—online. Just complete the online form and submit copies of your documents. Plus, you’ll get assistance from the EastWest System Tech Assistant (ESTA) chatbot, so you won’t skip a step.

✅ Exclusive Credit Card Perks and Privileges

Enjoy exclusive offers and privileges at all partner merchants all year round to get the most out of your spending. You can find all the latest promos^[2] in one place, making it easier to plan your spending and enjoy big savings.

✅ Excellent Rewards Program

One of the perks that make a credit card worth having is the rewards. EastWest Bank's credit card roster lets you earn points, cash rebates, and airline miles with your essential and lifestyle purchases.

For instance, you earn a point for every ₱100 you charge to your EastWest Privilege Classic, Dolce Vita Titanium Mastercard, JCB Gold and Platinum, or Gold Mastercard and Visa Gold.

EastWest Credit Card Application in 5 Simple Steps

The process of applying for an EastWest Bank credit card is easy. Just follow the steps below:

Step 1: Check If You’re Eligible

First, you must ensure you’re eligible to apply for a credit card from EastWest Bank. You can start your EastWest credit card application right away if you meet all these requirements:

Filipino citizen or foreign resident in the Philippines
At least 21 years old
Must have a home landline/business landline/mobile phone number
Must have a minimum gross annual income of at least:
- ₱180,000 for Privilege Classic Mastercard and Visa Privilege Classic
- ₱300,000 for Dolce Vita Titanium Mastercard and JCB Gold
- ₱480,000 for Visa Gold, Gold Mastercard, and EveryDay Titanium Mastercard
- ₱1 million for Visa Platinum and JCB Platinum
- ₱1.2 million for Singapore Airlines KrisFlyer Platinum Mastercard
- ₱1.8 million for Platinum Mastercard
- ₱2.6 million for Singapore Airlines KrisFlyer World Mastercard

Step 2: Prepare All EastWest Credit Card Requirements

EastWest Bank will process your credit card application once you submit all the required documents. Remember that getting some of these documents may take a while, especially government-related documents issued only by your employer.

Basic requirements:

Filled-out EastWest Bank Credit Card Application Form
Photocopy of one valid ID with picture and signature (e.g., Company ID, Driver's License, Passport, Professional Regulation Commission (PRC) ID, SSS ID, BIR ID, Postal ID, etc.)

For employed principal card applicants:

Latest ITR or BIR Form 2316
Certificate of Employment detailing the breakdown of compensation
Letter of Appointment / Personnel Action Memo / Salary Adjustment Memo
Payslips for the last three months
Latest Service Record for government employees
Valid credit card reference and latest Statement of Account

For self-employed principal card applicants:

Latest ITR or BIR Form 1701
Latest Audited Financial Statements (if applicable)
Valid credit card reference and latest Statement of Account

For expat applicants (resident foreigners, whether principal or supplementary card applicants, have to submit any of the following):

Alien Certificate of Registration with Permanent Status
Visa issued under Section 9d and 9g of the Immigration Act of 1940
Special Investor’s Resident Visa (SIRV)
Visa issued by Philippine Economic Zone Authority – 47(a)(2)
Embassy Certification (for Diplomats and Embassy Personnel)

Step 3: Pick the Right Credit Card for You

Comparing different credit cards is an important step. Find out which EastWest credit card is the best for your lifestyle, budget, and spending habits.

To help you weigh your options, we’ve listed EastWest Bank credit cards you can apply for. There’s something for everybody here—from first-time cardholders to luxury seekers who don’t mind splurging.

💳 EastWest Privilege Classic Mastercard and Visa Privilege Classic

Ideal for: Those who are just new to credit cards and want to experience its perks for the first time
Annual fee: ₱1,500
Interest rate: 3%
Minimum monthly income: ₱15,000
Features:
- 1 Rewards Point for every ₱100 spend
- Year-round discounts and deals at partner merchants
- Accepted in over 30 million establishments in more than 200 countries

💳 EastWest Dolce Vita Titanium Mastercard

Ideal for: Those who want to enjoy the finer things in life through lifestyle purchases
Annual fee: ₱2,000
Interest rate: 3%
Minimum monthly income: ₱25,000
Features:
- 1 Charm for every ₱100 spend
- Benefits and special privileges at different beauty, health, and wellness merchants
- Low foreign currency conversion fee of 1.70%

💳 EastWest JCB Gold and JCB Platinum

Ideal for: Individuals who want to elevate their travel experience while enjoying rewards and savings everywhere
Annual fee:
- Gold: ₱2,500 (free on the first year)
- Platinum: ₱3,500 (free on the first year)
Interest rate: 3%
Minimum monthly income:
- Gold: ₱25,000
- Platinum: ₱83,333
Features:
- 1 Rewards Point for every ₱100 spend
- Complimentary JCB Airport Lounge services
- Comprehensive travel accident and inconvenience insurance
- JCB Platinum Travel and Lifestyle Privileges

💳 EastWest Gold Mastercard and Visa Gold

Ideal for: Those who love traveling here and abroad and those who want to enjoy great rewards
Annual fee: ₱2,500
Interest rate: 3%
Minimum monthly income: ₱40,000
Features:
- 1 Rewards Point for every ₱100 spend
- Up to ₱20 million comprehensive travel accident and inconvenience insurance coverage

💳 EastWest EveryDay Titanium Mastercard

Ideal for: Those who love shopping or those who use their credit card for everyday purchases
Annual fee: ₱2,800
Interest rate: 3%
Minimum monthly income: ₱40,000
Features:
- 5% rebate on supermarket, gas, and drugstore purchases
- Interest-free purchases at partner merchants

💳 EastWest Visa Platinum

Ideal for: Those who enjoy premium privileges and want to get the most value out of their peso
Annual fee: ₱3,600
Interest rate: 3%
Minimum monthly income: ₱83,333
Features:
- ₱5,000 Welcome Cash Reward upon meeting the required retail spend of ₱10,000 within two months of credit card activation
- Cashback rate of 8.88% at department stores, restaurants, fast food, food delivery apps, travel, fuel, and utilities
- Premium perks and Visa Platinum Privilege

💳 Singapore Airlines KrisFlyer Platinum Mastercard

Ideal for: Travelers who want to earn airline miles with their credit card spending
Annual fee: ₱4,000
Interest rate: 3%
Minimum monthly income: ₱100,000
Features:
- 1 KrisFlyer Mile for every ₱45 spend
- Free Priority Pass™ membership in over 1,300 airport lounges worldwide
- Low foreign currency conversion fee of 1.70%

💳 EastWest Platinum Mastercard

Ideal for: Those who love traveling here and abroad and those who love to splurge
Annual fee: No annual fee for life
Interest rate: 3%
Minimum monthly income: ₱150,000
Features:
- Lifetime free membership for principal and supplementary cards
- Complimentary Travel Accident and Inconvenience Insurance coverage of up to ₱20 million

Related reading:

Step 4: Fill Out the EastWest Bank Credit Card Application Form

Now that you’ve decided which EastWest credit card to get, it’s time to fill out the application form on the website.^[3] Click the Apply Now button on your chosen EastWest credit card and select or enter your answers as prompted by ESTA (EastWest System Tech Assistant). Just indicate N/A for any questions that are not applicable.

Step 5: Submit Your Application

After verifying your mobile number and entering the required personal and employment information, submit your documentary requirements.

While you can apply and submit your requirements in person at the nearest EastWest branch, we highly recommend filing your EastWest credit card application online, as it’s more convenient. It’s important to note that the bank will not return all the requirements you’ve submitted.

EastWest Credit Card Application: FAQs

1. What is the EastWest card processing time?

Your application will be processed within 10 to 15 banking days. If you want to follow up on your Eastwest Bank credit card application or delivery status, you may get in touch with the bank via the following contact details:

Landline: (02) 8888-1700
Email: cards@eastwestbanker.com

Also, remember that you may receive a card type other than your choice. The actual card you’ll receive will depend on the evaluation of your application.

Moreover, the EastWest credit card approval time will depend on your submitted requirements. Delays are likely if there are inconsistencies or lacking items in your documents. As such, double-check your documents and other requirements to keep problems and delays at bay.

2. How to activate EastWest credit card?

You must send an activation request to activate your new EastWest Bank credit card. Follow the credit card activation instructions in your EastWest credit card welcome pack. You can also text EWBCC and send it to (0917) 888-1700.

3. How to register EastWest card online?

Just follow the instructions below:

eastwest credit card application - register card online

Go to EastWest Bank’s website (www.eastwestbanker.com).
Click Online Banking on the upper right-hand side of the homepage and select EastWest Online-Personal.
On the EastWest Online log-in page, click Sign Me Up. It will direct you to the enrollment page.^[4]
Enter your credit card number and its expiry date. Click on Confirm.
Input your one-time password (OTP), which you’ll receive via your mobile number. Click on Confirm.
The next page will prompt you to create a login ID. Provide your username and password. You’ll use these details to access your account through internet banking.
On the next page, select three secret/security questions.
Review all the application details. When you’re all good, click on Confirm.
After completing the enrollment process, try logging in.

Activated and registered your credit card online? Now read these articles for helpful information on using your card:

Explore Other Credit Card Options in the Philippines

If you want more credit card options, explore the UnionBank Rewards Credit Card, another excellent rewards card.

To unlock more perks and privileges for everyday spending and travel and lifestyle pursuits, check out the Metrobank Titanium, Platinum, or World Mastercard^®.

The HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate are also excellent choices for people who want more value for their spending.

Rack up points and cash rebates and unlock exclusive features and benefits when you get the Security Bank Gold, Platinum, Complete Cashback Platinum, or World Mastercard.

You can also find the best features, benefits, and deals with a BPI credit card. Check out the BPI Amore CashBack, Gold Rewards, Platinum Rewards, or Signature Card.

Final Thoughts

An EastWest credit card is one of your best bets for everyday purchases and the finer things in life. The bank has ensured that its cards are designed for both practical uses and leisure, as illustrated by EastWest cards’ perks and exclusive benefits. But the icing on the cake is the ease and straightforwardness of the EastWest credit card application process.

Still can't decide which EastWest credit card to get? Compare them easily below:

Credit Card	Minimum Annual Income Requirement	Annual Fee	Key Features
EastWest Privilege Classic Mastercard	₱180,000	₱1,500	1 rewards point for every ₱100 spend Year-round promos at partner merchants Worldwide acceptance
EastWest Visa Privilege Classic	₱180,000	₱1,500
EastWest Dolce Vita Titanium Mastercard	₱300,000	₱2,000	1 Charm for every ₱100 spend Beauty, health, and wellness perks and privileges 1.70% foreign currency conversion fee
EastWest JCB Gold	₱300,000	₱2,500	1 rewards point for every ₱100 spend Complimentary airport lounge services and travel privileges Travel accident and inconvenience insurance
EastWest Gold Mastercard	₱480,000	₱2,500	1 rewards point for every ₱100 spend Up to ₱20 million comprehensive travel insurance coverage
EastWest Visa Gold	₱480,000	₱2,500
EastWest EveryDay Titanium Mastercard	₱480,000	₱2,800	5% rebate on supermarket, drugstore, and fuel purchases 0% interest purchases at partner merchants
EastWest JCB Platinum	₱1 million	₱3,500	1 rewards point for every ₱100 spend Complimentary airport lounge services and travel privileges Travel accident and inconvenience insurance JCB Platinum Travel and Lifestyle Privileges
EastWest Visa Platinum	₱1 million	₱3,600	₱5,000 Welcome Cash Reward 8.88% cashback rate at fast food, restaurants, food delivery apps, department stores, fuel, travel, and utilities
Singapore Airlines KrisFlyer Platinum Mastercard	₱1.2 million	₱4,000	Mastercard^® Travel Pass provided by DragonPass (MTP) 1.70% foreign currency conversion fee
EastWest Platinum Mastercard	₱1.8 million	No annual fee for life	Waived annual fees for life Free travel accident insurance coverage of up to ₱20 million