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EastWest Practical MasterCard offers low
monthly interest rate that suits for everyone. In purchasing items from
supermarket, petrol, and drugstore, you will only have 2.75% interest a month and 3.49% interest from others.
Other exciting offers of EastWest Bank Practical MasterCard:
- Practical MasterCard is accepted worldwide.
- All bills and payments are transacted in Philippine peso.
- With rewards points. Earn 1 point for every 50 pesos spent using your Practical MasterCard. Gather your points as many as you can and use them to redeem fabulous products or services, discounts and more!
- Offers flexibility in paying for your membership fee. You have options to pay whether you will paying annually, semi-annually, quarterly, or monthly.
- <With lightest monthly payment, since, you will just be paying for your minimum payment due the amount equivalent to 3.5% of your total outstanding balance or 200 pesos, whichever is higher.
- Trouble-free Repayment conditions. You will have the alternative to pay the whole amount due, the least amount payment due, or any amount in amid on your payment due date.
- Cardholders are allowed to have cash advances up to 50% of their credit limit from any EastWest Bank Automated Teller Machine or over the counter transaction, or at any ATM with MasterCard and Cirrus logos. Unique cash advance personal identification number is being used here.
- Enjoy enormous savings and lighter monthly installment payments with the Balance Transfer Facility. Installment interest is as low as 0% on chosen products from merchant partners.
- Convert to installment feature. You will have options to exchange your high-tickets, shopping, travel expenses, and others to installment that are billed in 6, 12, 18 or 24 payment terms at a very low ad-on interest rate.
- Offers ease in paying your bills. Just sign up in Quick Bills Facility in order for you to experience trouble-free in paying your utility, telecommunication, and insurance bills. Since your bill will be automatically charge on your EastWest Practical MasterCard.
- Cardholders are permitted to have up to 9 supplementary cardholders to share their benefits and privileges with their loved ones.
- 24-Hour Customer Service for responding any of your inquiries and reports just like reporting your lost card and others. Just call +63 (2) 888-1700 or Toll-Free Hotline at 1-866-828-6296 for US.
Fees and Charges:
v Annual membership fee for Silver Card and Gold Card are summarized below:
For Silver card:
- Annually – Php1000 (for principal); Php500 (for supplementary)
- Quarterly - Php250 (for principal); Php125 (for supplementary)
- Monthly - Php85 (for principal); Php42 (for supplementary)
For Gold card:
- Annually – Php2000 (for principal); Php1000 (for supplementary)
- Quarterly – Php500 (for principal); Php250 (for supplementary)
- Monthly – Php170 (for principal); Php85 (for supplementary)
- Finance charge – 2.75% monthly (for supermarket, drugstore and gasoline purchases). 3.49% monthly from other purchases.
- Cash Advance Service Fee – 5% of the amount
- Cash Advance Over-the-Counter Fee – Php100
- Late Payment Fee – 7.50% of the minimum payment due or Php300, whichever is higher
- Over Credit Limit Fee – Php500
- Returned Check Fee – Php500
- Retrieval Fee – Php200 (for retail/installment and mail-order/telephone-order charge slip) and Php1,250 (for travel and leisure charge slip)
- Card Replacement Fee – Php200
- Foreign Currency Conversion Fee – 2.50%
- Installment Pre-Termination Processing Fee – 5% of the remaining principal balance or Php500, whichever is higher
- Closed Card Account Service Fee – cardholder shall make the proper agreement with EastWest Bank to accumulate the credit balance within three (3) months from the date when the Card Account is stopped. If delayed, EastWest Bank shall have the right in charging the cardholder an amount of 200 pesos as an accounts maintenance fee
Posted in: Credit Cards,EastWest Bank,EastWest Bank Practical Mastercard,Money
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