Guide on EastWest JCB Platinum and Gold Features & Application Requirements
EASTWEST JCB PLATINUM AND GOLD – You can check here the features of this EastWest Bank credit card offer and the requirements in applying for it.
Are you looking for a credit card that will perfectly suit the adventuruous person that you are? Whether you are traveling or just staying here in the country, it brings a lot of benefits to be a cardholder of the EastWest Bank.
The EastWest Bank which is one of the reputable banks operating in the Philippines for decades now has several credit card offers. One of the best offers is the EastWest JCB Platinum and Gold which can give you a wonderful experience in Japan and your other travels.
The EastWest JCB Platinum and Gold is packed with lots of amazing features. Here are the benefits that awaits the cardholders of this credit card offer:
- earn one (1) Rewards Point for every Php 100 qualified spend using your EastWest JCB Platinum and Gold
- complimentary access of up to six (6) times during the annual service period to world-class amenities at the JCB Airport Lounge in Japan and Hawaii
- redeem your points for airline miles, cash rebate, or annual membership fee waiver
- low foreign currency conversion fee of 2%
- year-round access on special promotions and discounts for dining, shopping, travel, etc.
- complimentary comprehensive travel accident and inconvenience insurance
- enjoy up to eight (8) times annual complimentary access to world-class airport lounge amenities in other major cities across the globe through the LoungeKey™ service
- up to nine (9) supplementary cards
- acceptable in more than 30 million establishments in over 190 countries worldwide
- secured transactions EMV smart chip embedded on the EastWest Platinum Mastercard
Before you apply for any credit card offer, it is a wise move to check on the fees implemented by the EastWest Bank under it. Here are the fees that EastWest JCB Platinum and Gold must be aware of:
| Annual Membership Fee | *EastWest JCB Gold Principal Card – Php 2,500 (FREE on the 1st year) *Supplementary Card – Php 1,250 (FREE for life on the 1st supplementary) *EastWest JCB Platinum Principal Card – Php 3,500 (FREE on the 1st year) *Supplementary Card – Php 1,750 (FREE for life on the 1st supplementary) |
| Interest Charge | 3% per month or 36% effective rate annually |
| Cash Advance Service Fee and Interest Charge | Php 200 per cash advance availment; and 3% Interest Charge imposed on the cash advance amount and Cash Advance Service Fee |
| Late Payment Charge | Php 1,500 or the unpaid Minimum Payment Due, whichever is lower |
| Over Credit Limit Fee | Php 700 when the outstanding balance exceeds the prescribed credit limit within the billing period |
What are the qualifications under the EastWest JCB Platinum and Gold? To qualify to apply for these credit card offer, here are the eligibility requirements that the applicant must meet:
- a Filipino Citizen or local resident foreigner
- at least 21 years old for Principal Card applications
- earning a minimum gross annual income of Php 300,000
- has a residence landline or mobile phone and business landline
- must be residing within the serviceable area of the EastWest Bank
It may take as fast as 10 to 15 banking days to process your EastWest Bank credit card offer as long as you have submitted a complete list of requirements for application. The documents required by the bank differ among the employed and self-employed individuals as well as local resident foreigners.
Documentary Requirements. Below, you can check the lists set by the EastWest Bank for the aspiring credit card applicants:
Employed
- duly-accomplished EastWest Credit Card Application Form
- photocopy of one (1) valid ID with picture and signature
- Latest BIR Form 2316/ITR
- Certificate of Employment stating breakdown of compensation
- Letter of Appointment/Personnel Action Memo
- Salary Adjustment Memo issued within the latest month
- Latest three (3) Months Payslip
- Latest Service Record for government employees
- Valid Credit Card Reference and Latest Month Statement of Account
Self-Employed
- duly-accomplished EastWest Credit Card Application Form
- photocopy of one (1) valid ID with picture and signature
- Latest BIR Form 1701/ITR
- Latest Audited Financial Statements (if applicable)
- Valid Credit Card Reference and Latest Month Statement of Account
Local Resident Foreigner
- duly-accomplished EastWest Credit Card Application Form
- photocopy of one (1) valid ID with picture and signature
- any of the following:
- Alien Certificate of Registration with Permanent Status
- Visa issued under Section 9d and 9g of immigration Act of 1940
- Special Investor’s Resident Visa (SIRV)
- Visa issued by Philippine Economic Zone Authority – 47(a)(2)
- Embassy Certification (for Diplomats and Embassy Personnel)