2025 INSTA-CASH via EastWest System Tech Assistant (ESTA) Chatbot

TERMS AND CONDITIONS

 

  1. EastWest Credit Cards' Insta-Cash (IC) Promo is open to select EastWest Credit Cardholders (“Cardholders”) who received a Viber/SMS message or electronic direct mailer (e-DM) and are in good credit standing.*
  2. Promo Period is from . Only applications received within the said promo period shall be processed.
  3. The Insta-Cash promo allows the conversion of qualified Cardholder’s available credit limit to cash which can be paid in fixed monthly installments.
  4. The minimum amount eligible for conversion is Php10,000 and the maximum amount is the Cardholder’s available credit limit at the time of application.
  5. The Insta-Cash amount can be paid in easy and flexible installment terms of 6, 9, 12, 18, 24, 36, 48, and 60 months with the corresponding low add-on rates per month:
  6. To apply, chat with ESTA, our EastWest System Tech Assistant, by searching for ESTA in Facebook Messenger. Once logged into ESTA, go to the Installments menu and choose Insta-Cash.
  7. The Cardholder acknowledges that the Insta-Cash application will be subject to evaluation and approval.
  8. Cardholder must allow at least five (5) banking days for the processing of the Insta-Cash application.
  9. The Cardholder shall refrain from using his/her EastWest Credit Card while the Insta-Cash application is in process to ensure that the applied amount will be processed. 
  10. Upon approval of the Insta-Cash application, the principal amount, interest charges and fees will be earmarked against the Cardholder’s available credit limit. The fixed monthly installment amount will be billed to the Cardholder's EastWest Credit Card account on his/her next and succeeding Statements of Account (“SOAs”) until the Insta-Cash amount is fully paid.
  11. For all approved applications, a one-time Processing Fee of Php500 will be charged.
  12. Cardholders have the option to receive the proceeds via credit/deposit to his/her EastWest or non-EastWest bank deposit account.
  13. The Cardholder shall hold EastWest free and harmless for any error in the crediting of the Insta-Cash proceeds to the account number that he/she has provided. A transaction fee may be charged for regional/provincial deposits for non-EastWest bank deposit accounts.
  14. In the event that the Cardholder’s outstanding balance exceeds his/her prescribed credit limit upon posting of the approved Insta-Cash amount to his/her EastWest Credit Card account, the corresponding Over Credit Limit Fee shall be imposed. The amount in excess of the prescribed credit limit shall be part of Cardholder’s Minimum Payment Due in his/her next SOA.  
  15. EastWest has the sole discretion to approve or reject the Cardholder's Insta-Cash application. If such application is denied, EastWest has no obligation to furnish the Cardholder a notice or reason of such rejection. EastWest also has the sole discretion to approve only a portion of the installment amount applied for.  
  16. The Cardholder's EastWest Credit Card account must be active and current at all times. Should the Cardholder's EastWest Credit Card account be suspended, cancelled, or not renewed or should the Cardholder fail to make payments, breach or violate the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards, the remaining unpaid Insta-Cash amount, as well as the entire outstanding balance in the Cardholder's EastWest Credit Card account, shall immediately become due and demandable.
  17. In case of partial payment by the Cardholder of the installment amount, the unpaid balance shall incur the usual finance charges imposed on revolving balances in accordance with the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards.
  18. If the Cardholder pays the installment amount in full per month but has an outstanding or revolving balance on his/her previous/other purchases or installment availments, his/her EastWest Credit Card account shall likewise incur finance charges.
  19. In case of pre-termination, the Cardholder agrees to pay an Installment Pre-termination Processing Fee equivalent to 5% of the remaining principal balance or Php500, whichever is higher.
  20. This promo offer is non-transferable.
  21. The Cardholder shall continue to be bound by and comply with the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards which are incorporated herein by reference and of which he/she was furnished copies by EastWest, as well as the Terms and Conditions of the Insta-Cash Promo.
  22. All questions and disputes regarding the Cardholder’s eligibility for the promo shall be resolved by EastWest. The decisions of EastWest on all matters relating to the promo shall be final and binding with the concurrence of the Department of Trade and Industry (“DTI”).

 

*

Cardholders in good credit standing are those whose accounts are not delinquent, not under investigation due to suspected fraudulent activities, those whose EastWest Credit Cards are not reported lost or stolen and those who have not, otherwise, violated any of the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards.

Per DTI Fair Trade Permit No. FTEB- Series of 2025.

For inquiries and feedback, you may call the EastWest 24-Hour Customer Service Hotline at (+632) 8888-1700 or e-mail cards@eastwestbanker.com.  

EastWest is regulated by Bangko Sentral ng Pilipinas

www.bsp.gov.ph