Using your EastWest credit card is as straightforward as it can be. From buying groceries and dining out to shopping online, all you have to do is swipe your card or input the details in a secure website. However, you might not be maximizing your card’s benefits that can enhance your experience.
Indeed, EastWest offers a range of credit card features and services that can improve your financial well-being. When used strategically, these can help you save more and provide greater flexibility in your purchases.
In this article, we’ll guide you through some easy ways to turn your EastWest credit card into an asset that works for you so that you can make the most of every transaction and achieve your financial goals with ease.
Familiarize Yourself With Your Card’s Rewards Structure
EastWest Bank credit cards are designed to reward you for your everyday spending, and understanding your card’s rewards structure can help you make the most of these benefits. Currently, we offer three types of credit cards—travel credit cards, cash back credit cards, and rewards credit cards—and each one offers unique ways to earn more from your purchases. Depending on the card you own, you can maximize your rewards by focusing on spending categories that align with your card’s benefits. This ensures that every purchase brings you closer to valuable rewards.
With that said, here’s how you can make the most of the rewards structure for each type of EastWest credit card:
Travel Credit Cards
With an EastWest travel credit card, you’re earning miles on every travel-related purchase. Flights, hotel stays, and other travel expenses all accumulate points that you can redeem for free flights, upgrades, or discounted travel experiences. When you use your card for all travel-related purchases, you can earn points more quickly and thus make your next trip more affordable.
Cash Back Credit Cards
If you’re an EastWest cash back credit card holder, you can earn cash back on everyday purchases such as dining, groceries, gas, and medicines. To maximize your rewards, focus on using your card for these categories, where you typically earn higher cash back percentages.
Over time, the rewards you earn can add up and translate to savings that can be applied toward your balance or saved for future purchases. This straightforward rewards structure makes it easy to get more value out of your everyday expenses.
Rewards Credit Cards
EastWest rewards credit cards allow you to earn points for every qualified purchase, which can be exchanged for a variety of rewards. Some of the rewards we offer include product or discount vouchers to purchase merchandise, gift certificates that you can redeem at our partner merchants, and exclusive shopping perks.
Note that you can also monitor your credit card points and rewards through the EastWest EasyWay app. No matter which one of the above cards you have, you can use EasyWay to monitor your account and manage how you use your credit card rewards.
Take Advantage of 0% Interest at Our Partner Merchants
As an EastWest credit cardholder, you can take advantage of 0% interest on installment plans at a wide range of partner merchants. This helps you make larger purchases without worrying about paying high interest rates, making it easier for you to fit bigger buys into your budget.
That said, this benefit is perfect for buying appliances, electronics, or even furniture, where the total cost may be higher than your usual monthly expenses. With 0% interest, the price you see is the price you pay over time—no need to compute or worry about interest fees. To make the most of this benefit, keep an eye on our promos page so that you can stay updated on the latest partner merchant offers.
As of this writing, one of our current promos is 0% interest at select SM Retail Stores. In this promo, you can get 0% on installments for up to 24 months at Dyson, Innisfree, and Uniqlo at an SM near you. The minimum purchase amount for installment is PHP 3,000 for single or multiple item purchases, unless otherwise stated by the partner merchant. This is open to all EastWest credit cardholders in good credit standing.
Make the Most of Exclusive Perks
EastWest credit cardholders have access to a variety of exclusive perks that can maximize everyday purchases and enhance special experiences. These benefits often include discounts, rewards, and special privileges with select merchants and services, giving your card even more value.
For instance, from January 1 to December 31, 2025, you can get up to PHP 4 off per liter on all Euro5 fuels at Unioil when you pay using your EastWest credit card. This promo is open to all active EastWest credit cardholders in good standing—no need to sign-ups or registrations—and is only valid at Unioil stations that accept credit card transactions.
Use Our Cards Anywhere in the Philippines and Across the World
Whether you’re shopping online, dining at a local restaurant, or traveling abroad, your card can be used almost anywhere. With EastWest’s partnerships with major payment networks like Visa and Mastercard, you can make secure, seamless transactions wherever you go. Having the ability to use your card anywhere offers both convenience and flexibility; you also minimize the risks associated with carrying large amounts of cash. This is especially useful when you travel internationally, as you can make purchases in foreign currencies without the need for exchanging cash.
If you plan to use your credit card internationally, make sure to notify EastWest before you head to your destination to prevent any issues with card usage due to fraud prevention measures. This simple step will ensure that you can enjoy the full benefits of your card no matter where you are.
Contact Customer Service ASAP If Your Card Is Compromised
Security is a top priority for EastWest Bank and as such, we provide strong measures to ensure that your credit card transactions are safe. In the event that your card is lost, stolen, or compromised, it's crucial to act quickly to prevent unauthorized charges. If you suspect any fraudulent activity, contact us immediately to block your card and prevent further damage.
EastWest offers 24/7 customer support, so you can get assistance at any time, day or night. By reporting the issue as soon as possible, you can minimize the chances of your account being misused by bad actors. In most cases, if fraudulent charges are reported promptly, we may be able to reverse the charges and issue a replacement card. Additionally, keeping a record of your recent transactions can help us verify any unauthorized charges, speeding up the resolution process.
Your EastWest credit card is more than just a way to pay; it’s a tool that can elevate your everyday experiences and financial management. Exploring the full range of features and benefits available to you ensures that you can unlock your card’s true potential. Whether it’s enjoying rewards, accessing exclusive perks, or using it securely at home or abroad, your EastWest card offers countless opportunities to enhance your lifestyle.
Apply for EastWest Credit Card?
With a variety of options to suit different needs, EastWest Bank offers competitive rates, valuable rewards, and excellent customer service.
