EastWest Practical Mastercard – How to Apply


Haven’t had a credit card before but wish to get one soon? You might consider the EastWest Practical Mastercard as an option.

EastWest Bank has made it easier for people to apply for their first practical credit card, which allows you to easily go cashless on your shopping and get exclusive deals later on.


Read on as we give you all the necessary info about the EastWest Practical Mastercard and how you’ll be able to get your own today.

EastWest Practical Mastercard
EastWest Practical Mastercard. Image source: https://www.ecomparemo.com/banks/eastwest-bank/credit-cards/eastwest-practical-mastercard.

EastWest Practical Mastercard Features/Benefits

The EastWest Credit Card is light on the budget for working individuals. It is the perfect card to have if you want to pay various bills like electricity, water, cable TV, Internet, and so on. Having this card saves you time going to various payment centers; you can easily beat closing times.

Shopping and spending on the things that you want here and abroad is more worry-free, as the card is widely accepted in millions of establishments around the world. That’s the beauty of Mastercard!


If you love discounts, cardholders get at least a 20% discount at partner establishments, and you also get exclusive deals from EastWest Bank. It is practical spending at every swipe!

What’s more, you will also get the security of the smart chip on your card, 3D Secure Technology, and 24-Hour Customer Service.

Light Monthly Payment Feature

One of the great features of the EastWest Practical Mastercard is that you get to enjoy light monthly payment plans. You must only pay the minimum on your payment due date to make the cut. The minimum due is 3.5% of your total balance or PHP 200.

You can definitely pay more or even pay in full if you wish to get ahead of debts and other issues, but this feature is nice for those who are starting out and learning how to meet monthly payments in the first place.

EastWest Practical Mastercard Eligibility and How to Apply

As mentioned, the EastWest Credit Card is an ideal choice for beginning cardholders, as it only requires to have a minimum monthly income of PHP 10,000. You may visit your nearest EastWest Bank branch to apply, or you may conveniently apply online on the EastWest website.

Once your application has been approved, the credit limit of your card will be determined based on a number of factors, like your credit history, current income, as well as your expenses.

EastWest Practical Mastercard Interest Rates and APR

  • Annual Fee – PHP 1,400 (PHP 700 supplementary)
  • Interest Rate – 3.25% per month (for basic purchases from supermarkets, drugstores, and gas stations)
  • Cash Advance Service Fee – 3% of cash advance amount or PHP 600
  • Cash Advance Over-the-Counter Fee – PHP 500
  • Late Payment Charge – 8% of the minimum payment due
  • Over Credit Limit Fee – PHP 500
  • Card Replacement Fee – PHP 400

EastWest Bank Contact Information

EastWest Practical Mastercard - How to Apply

EastWest Bank Corporate Office’s official address is at: The Beaufort, 5th Avenue corner 23rd Street, Bonifacio Global City, Taguig City, Metro Manila, Philippines.

24 Hour Customer Service Hotline: (+632) 8888-1700


Every working person deserves to get the things they want and need at the earliest convenience. If you are financially stable enough in your new job, we highly recommend the EastWest Bank Practical Mastercard for all your spending needs. You wouldn’t need to worry so much about what you spend and what you pay later on.

Enjoy more perks and special offers, as this card is accepted almost everywhere, and payment terms are flexible. If you want to know more information about the EastWest Credit Card, you may visit the nearest branch to you, or you may start applying this for card online today.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.