• Min. Monthly Income


  • Interest Rate

    3.25% /month

  • Annual Fee


Feature Highlights
  • Get up to 20% discount when shopping at partner establishments all year round
  • Exclusive deals only available to Eastwest credit cardholders


  • Monthly interest rates at 3.25% for basic purchases in gasoline stations


  • Monthly interest rates at 3.25% for basic purchases in supermarkets


  • Monthly interest rates at 3.25% for basic purchases in drugstores

Other Features

  • Cash Advance

    • 50% of the credit limit and fees are either 3% of the cash advance amount or ₱600.00, whichever is higher.

  • Balance Transfer

    • 8.28% per annum for a lock-in tenure of 12 months.

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants.

  • Global Acceptance

    • Enjoy global acceptance when travelling, either local or abroad and use your EastWest Credit Card in more than 300 countries and over 29 million establishments wherever MasterCard/VISA is accepted.

  • Quick Bills Facility

    • Avoid rushing to payment centers and waiting in long lines to pay your bills. With this feature, you can simply enroll your bills or other monthly commitments and have it automatically charged to your EastWest Credit Card.

Card Information

Annual fee ₱1,400
Min. monthly income ₱10,000
Min. age for principal holder

21-65 years old

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱700.00
Finance charges 3.25% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee

₱200.00 for the retrieval of each retail/installment and mail-order/telephone-order charge slip and ₱1,250.00 for the retrieval of each travel and entertainment charge slip

Late payment charge

₱500.00 or 7.50% of outstanding amount, whichever is higher

Cash advance amount

50% of credit limit

Cash advance charge

3% of the cash advance amount or ₱600.00, whichever is higher

Cash advance interest charge


Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Simplify Your Spending

Take control of your spending with EastWest Bank Practical Credit Card. You don’t have to pay more for your essential purchases such as supermarket, gas, and drugstore spending since you get one of the lowest monthly interest rate at 3.25% and only 3.49% for your other purchases. You also get to enjoy low monthly payments where you only need to pay the minimum amount due which is equivalent only to 3.5% of your total statement balance or ₱200, whichever is higher. Flexibility is also an advantage as you choose how you want to pay for your annual membership fee whether annual, quarterly, or monthly.

Fees and Charges of EastWest Bank Practical Credit Card

Annual membership fee for principal cardholder is ₱1,400 and ₱700 for supplementary cardholder. Interest charge is 3.25% per month for supermarket, drugstore and gasoline purchases and 3.49% per month for other purchases. Late payment charge is 7.5% of the minimum amount due or ₱500, whichever is higher.

Are you eligible for an EastWest Bank Practical Credit Card?

To apply, you just need to have a minimum monthly income of ₱10,000 to be a principal cardholder. You should also be at least 21 years of age. For the supplementary cardholder, he/she should be at least 13 years old.

To help you further in making the right decision, our team also suggests AUB Easy Credit Card and Chinabank Prime Credit Card, which are similar cards to the one you're currently viewing.

If you're still undecided, we can also recommend that you check out the full line up of EastWest Bank credit cards present on our website. You can go over their various features and choose which one is perfect for your lifestyle.