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Features & Benefits
Cash Rebate
Save up to 5% cash rebate1 on your supermarket, drugstore, and gas purchases when you use your EastWest EveryDay Titanium Mastercard for at least Php10,000 on other spending categories considered as non-essentials2 in every statement billing period.
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Non-essential Purchase Amount
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Cash Rebate to be applied on essential purchases:
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Php10,000 and above
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5%
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Php5,000 to below Php10,000
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3%
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below Php5,000
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0.5%
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No need to call and redeem your cash rebate. It is automatically credited to your EastWest EveryDay Titanium Mastercard account every time you accumulate Php200 worth of cash rebates.
Here is a sample computation on the cash rebate you can earn if the total spend amount on non-essential purchases is at least Php10,000 on your statement billing period:
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Essential Purchases:
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Amount
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Cash Rebates Earned3
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Supermarket 1
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Php5,500
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Php275
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Supermarket 2
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Php4,000
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Php200
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Drugstore 1
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Php2,500
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Php125
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Drugstore 2
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Php1,750
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Php87
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Drugstore 3
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Php1,400
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Php70
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Gasoline 1
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Php1,499
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Php74
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Gasoline 2
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Php999
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Php49
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Total cash rebates earned for the month:
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Php880
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Learn more.
Low Foreign Currency Conversion Fee
Indulge in guilt-free shopping. Save more on your international purchases with a low foreign currency conversion fee of 1.70%.
Special Perks and Privileges
Enjoy year-round special discounts and privileges from partner merchants – from shopping, dining, health and wellness, to travel and leisure when you use your EastWest EveryDay Titanium Mastercard.
View the latest credit card promos.
Supplementary Cards
Share your spending privileges with your loved ones by giving them EastWest EveryDay Titanium Mastercard supplementary cards. You can request up to nine (9) supplementary cards. You may also assign a monthly sub-limit4 for each supplementary card to better manage your finances.
Apply now.
Global Acceptance
Use your EastWest EveryDay Titanium Mastercard anywhere in the Philippines and across the world wherever Mastercard is accepted. That’s over 30 million establishments in over 200 countries worldwide.
Secure and Convenient Payment
Experience peace of mind with technology-enabled features that ensure your payments are secure every time you use your EastWest EveryDay Titanium Mastercard.
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It has an EMV smart chip embedded on the card that prevents duplication of your card details when you make a transaction in physical stores and establishments.
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It has 3D Secure that gives you added transaction payment authentication in online shops with the Mastercard® SecureCode logo. To complete your online purchase, you are required to enter a unique 6-digit One-Time Password (OTP) that is sent to your registered mobile number. For worry-free online shopping, always keep your mobile number updated. Chat with EastWest System Tech Assistant (ESTA) chatbot at www.ewlend.com/esta, then choose Services should you need to change the mobile number on record.
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It has the Mastercard® contactless technology that enables quick and safe checkout experience. Just look for the universal contactless symbol on the point-of-sale terminal in establishments worldwide to enjoy the convenience of Tap & Go®.
Billings and Payments in Philippine Peso
All your purchases, whether here or abroad, are billed in Philippine Peso to allow you to keep your foreign currency intact.
Easy Payment Terms
Choose to pay your Total Statement Balance or at least the Minimum Payment Due on your billing due date. An Interest Charge will be charged if your payment by the Payment Due Date is less than your Total Statement Balance.
High Cash Advance Limit
Get cash whenever you need it with up to 70% of your credit limit. Simply withdraw from an EastWest ATM, or at any ATM bearing the BancNet, Mastercard or Cirrus logo using your Cash Advance Personal Identification Number (CA-PIN).
Merchant Installment
Pay for high-ticket purchases on fixed monthly installment terms at 0% interest on select items at partner establishments.
Balance Transfer
Transfer your other credit card’s balances to your EastWest EveryDay Titanium Mastercard and enjoy great savings and lighter monthly installment payments.
Learn more.
Convert-to-Installment
You have the option to convert your high-ticket shopping and travel expenses to easy payment installment terms at low monthly add-on interest rates.
Learn more.
Insta-Cash Facility5
Convert your available credit limit for the extra cash you need at low monthly add-on interest rates and easy payment installment terms.
Learn more.
Quick Bills Auto-Charge Facility
Experience the convenience to auto-charge your electric bill, phone, cable and internet subscriptions, and even insurance premiums. To enroll any of the merchant biller partner, log in to EastWest Online-Personal at personal.eastwestbanker.com or the EastWest Mobile App.
Learn more.
Automatic Enrollment to Electronic Statement of Account Facility
Safe, on time and secure. You will automatically receive your password-protected electronic Statement of Account (e-SOA) monthly to your primary registered e-mail address on record. Conveniently view and download your e-SOA within five (5) banking days from your statement cut-off date. You will even be notified through SMS to make sure you don’t miss it.
Learn more.
You can also conveniently access your e-SOA anytime, through ESTA chatbot at www.ewlend.com/esta, EastWest Online-Personal, and EastWest Mobile App.
Anytime, Anywhere Online Access to your EastWest Credit Card Account
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EastWest System Tech Assistant (ESTA) chatbot
Chat with ESTA for 24/7 instant credit card services assistance. View account details and available credit limit, check available cash rebate, convert transactions to installment, apply for cash installment loans, view exciting promos, and more. To enroll, launch www.ewlend.com/esta on your browser and click on the enrollment link.
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EastWest Online
View your credit card balance, download your electronic statement, update your contact details and more, conveniently, and securely. To enroll, launch EastWest Online-Personal on your browser and click on the enrollment link.
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EastWest Mobile App
Check your available credit limit, rewards/rebate balance, and more. To enroll, just download the EastWest Mobile app on App Store for iOS, Google Play for Android, or AppGallery for Huawei.
Customer Service
For lost card report and additional services, contact EastWest through:
| ESTA chatbot |
www.ewlend.com/esta |
| 24-hour Customer Service |
+63288881700 |
| 24-hour Lost Card Hotline |
+63288881700 (press 3) |
| Customer Service E-mail |
cards@eastwestbanker.com |
| Customer Service Text Facility |
EWBCC<space><your message>
and send to (0917) 888-1700
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Summary of Fees and Charges
| EastWest EveryDay Titanium Mastercard |
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Annual Membership Fee
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Principal Card: Php2,800
Supplementary Card: Php1,400
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Interest Charge
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2% per month or 24% effective rate annually
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Cash Advance Service Fee and Interest Charge
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Php200 per cash advance availment; and 2% 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
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Late Payment Charge
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Php1,500 or the unpaid Minimum Payment Due, whichever is lower
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Over Credit Limit Fee
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Php700 will be charged whenever the outstanding balance exceeds the prescribed credit limit within the billing period.
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Returned Check Fee
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Php1,500 for every returned check
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Retrieval Fee
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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
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Card Replacement Fee
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Php500 for every card replacement
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Foreign Currency Conversion Fee
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Transactions made in foreign currencies/merchants or those processed by foreign acquirers shall be automatically converted to Philippine Peso at the Mastercard currency conversion rate on the day the transaction is processed, plus a Foreign Currency Conversion Fee of 1.70% which is comprised of Mastercard's Assessment Fee and EastWest's Service Fee.
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Gambling and Gaming Fee
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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.
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Multiple Payment Fee
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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.
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Installment Processing Fee
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A fixed processing fee will be applied for every approved Insta-Cash, Balance Transfer and Convert-to-Installment transactions. Php250 via electronic channels (ESTA or EastWest System Tech Assistant chatbot, EastWest Online and EastWest Mobile App) or Php500 via our Customer Service hotline.
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Installment Pre-Termination Fee
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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
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Closed Card Account Service Fee
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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.
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Statement of Account Printing and Delivery Fee
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Php200 for every additional copy of credit card Statement of Account
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Minimum Payment Due Computation
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The Minimum Payment Due will be composed of the following: (a) 3% 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 Php200, whichever is higher.
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Interest Charge Computation
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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.
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View the Sample Interest Computation here.
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