• Security Bank Credit Card

    Security Bank Credit Card
    Credit Card
    Annual Fee
    Reward type
    Security Bank Classic Mastercard
    Annual Fee:
    P2,000
    Reward type:
    Travel, Groceries, Shopping, Utilities, Dining and Entertainment
    Security Bank Gold Mastercard
    Annual Fee:
    P2,000
    Reward type:
    Travel, Groceries, Shopping, Utilities, Dining and Entertainment
    Security Bank Platinum Mastercard
    Annual Fee:
    P4,000
    Reward type:
    Travel, Groceries, Shopping, Utilities, Dining, Entertainment and Premium
    Security Bank Diners Club Credit Cards
    Annual Fee:
    P2,000
    Reward type:
    Travel, Insurance, Groceries, Shopping, Utilities, Dining and Entertainment
    Security Bank World Mastercard
    Annual Fee:
    P4,000
    Reward type:
    Travel, Groceries, Shopping, Utilities, Dining and Entertainment
    Security Bank Diners Club Seaoil Credit Card
    Annual Fee:
    P1,500
    Reward type:
    Travel, Gas, Shopping, Utilities, Dining and Entertainment

    Security Bank offers various types of credit cards to meet your credit requirements. They offer complete cashback cards and they are mainly offered on MasterCard platform. Security Bank credit cards are universally accepted and it offers various rewards and benefits.

    Features and benefits of Security Bank Credit Card

    Following are the features and benefits of Security Bank credit card:

    • Higher credit limits are offered.
    • Security Bank credit cards are accepted worldwide.
    • They offer the best credit cards for the first-time credit card users, frequent shoppers, new spenders, and for family.
    • You can pay for your utilities with ease. You can also automate the utility bill payments.
    • The earn rewards points for every purchase you make.
    • The rewards can be easily redeemed online.
    • You can also avail the best deals and discounts at your favourite restaurants and shops.
    • You can convert your big transactions to instalments.
    • You can also transfer balance from any other credit card from any bank in the Philippines.
    • You can convert your credit limit to cash and pay it back in monthly fixed instalments.
    • Your Statement of Account will be sent to your email.
    • You can increase your credit limit online.

    Security Features on Your Security Bank Credit Card

    Following are the security features offered:

    • You will be notified if there are any unusual transactions made on your card. You will be asked to confirm the transaction to ensure that they were authorised by you.
    • Your credit cards will have CVV number in the back of the card which is to be used for online order or telephone order purchases. This number should not be disclosed to anyone.

    Security Bank Credit Card - Eligibility

    Following are the requirements need to be eligible to avail Security Bank credit cards:

    • Applicant must be a Filipino citizen and a Philippine Resident.
    • Principal cardholder must be between the ages of 21 and 65.
    • If the applicant is employed, he or she must be employed for at least 1 year.
    • If the applicant is self- employed, he or she must be employed profitably for at least 3 years.
    • The gross annual income must be at least P180,000.
    • The applicant must have a landline number.

    Security Bank Credit Card – Requirements

    Following are the documents required while applying for a Security Bank credit card:

    • Photo ID issued by the government.
    • Self-employed applicant must submit 3 years AFS or ITR along with SEC or DTI registration.
    • Employed applicant must submit signed COE or ITR or 3 months’ payslip with company ID.

    Types of credit cards offered by Security Bank

    Following are the various credit cards offered by Security Bank:

    1. MasterCard Classic:
    2. This card offers non-expiring rewards points. You can use this card to pay for your shopping. You can accumulate rewards points and redeem them. The features and benefits of this card are as follows:

      • The rewards points do not expire.
      • You can earn points from the start and start redeeming them online.
      • Online shopping is secure.
      • You get attractive discounts and promotions at your favourite restaurants and shops.
      • This card is accepted worldwide.
      • You can get up to 5 supplementary cards.
      • The annual fee is waived for the first year.
      • You will not be charged foreign transaction fee.
    3. MasterCard Gold:
    4. This card offers a higher credit limit. You earn rewards points every time you use the card to pay for your shopping. The features and benefits of this card are as follows:

      • You get a higher credit limit and it will help you to enjoy your lifestyle.
      • There is no foreign transaction fee charged.
      • You earn 1 rewards points for every P20 spent on this card.
      • You get exclusive discounts and promotions.
      • The card is accepted worldwide.
      • You can get up to 5 supplementary cards.
      • This card is eSecure which makes online shopping secure.
      • Annual fee is waived for the first year.
    5. MasterCard Platinum:
    6. This card offers lounge access, concierge service, fee waiver, etc. The features and benefits of this card are as follows:

      This card offers dual currency billing option. You need not hassle with exchanging currency if you have this card.

      • You get access to Miascor lounges.
      • You get assistance with travel plans.
      • Credit limits are higher.
      • You get exclusive travel, dining, and shopping deals.
      • Travel insurance is offered when you book your airline ticket with this card.
      • You earn 1 rewards point for every P20 spent on this card.
      • There is no foreign transaction fee charged.
      • Annual fee for the first year is waived.
      • eSecure lets you set limits on your online shopping.
    7. Complete Cashback:
    8. You can get up to 5% cashback on your essential expenses when you pay using this card. You get guaranteed cashback on groceries, utilities, dining, shopping, and gas. The features and benefits of this card are as follows:

      • You can get up to P12,000 cashback annually.
      • You can pay less on your essentials.
      • You save instantly on your monthly billing statements.
      • The card is accepted worldwide.
      • You get exclusive promotions at your favourite restaurants and shops.
      • There is no foreign transaction fee charged.
      • You get up to 5 supplementary credit cards.
      • The annual fee is waived for the first year.
    9. Fast Track:
    10. This is a program that lets you open a savings account and get a 100% approved credit card. This is a secured credit card. This is helpful or you to build a good credit score. The features and benefits of this card are as follows:

      • It is a 100% approved credit card.
      • You start earning interest on your savings account.
      • You earn rewards points on every transaction.
      • You can enjoy exclusive promotions and discounts.
      • The processing will be done in 3 banking days.
      • The annual fee is waived for the first year.
      • You can build your credit score with ease.
      • This program is open to both existing and new customers of Security Bank.
    11. Click card:
    12. This card lets you earn rebates that match your lifestyle. You earn 0.30% regular rebate every month when you use this card. This card can be used to book your airline tickets, buy any item from online store, book hotel rooms, etc. You earn up to 5% rebate on online purchases. The features and benefits of this card are as follows:

      • The annual fee is waived for the first year.
      • Monthly rebates are automatically credited to your account. You need not redeem them
      • You get bonus rebates when you use the card at a qualified online store.
      • You can stay secure as you will get a one-time password sent to your mobile phone when you make purchases online.
      • The card is accepted worldwide.
      • You get exclusive promotions and discounts.
      • Foreign transaction fee is not charged.
      • You can get up to 5 supplementary card.
    13. Supplementary cards
    14. Security Bank offers up to 5 supplementary cards for each credit card. The credit limit is shared by the cardholders. The primary and supplementary cardholders will jointly be liable for the purchases and cash advances made.

    Security Bank Credit Card Rewards

    You earn one rewards point for every P20 spent on your credit card. The rewards points can be used to redeem for electronic gift certificates, airline miles, etc. The rewards points do not expire. The total rewards points will reflect in your monthly Statement of Account. If you want other options to redeem your points, you can call the customer service hotline.

    Insurance on Security Bank Credit Card

    When you book your airline tickets with Security Bank MasterCard Platinum, you get travel insurance. You get coverage on accidents and more with this insurance.

    Security Bank Credit Card Promos

    Following are the various promotions you can avail:

    • Shop for boots at Palladium: You get up to 5% off on your favourite pair of shoes at Palladium.
    • Skygarden Steak House: If you buy one, you can get one Porterhouse or T-Bone steal when you dine-in at Skygarden Steak House.
    • Seat Sale – JEJUair: You can discover Korea at USD190 with exclusive package tours and airfare rates.
    • Foodpanda: You can get up to 30% off on orders made on Foodpanda when you pay using Security Bank credit card.
    • Lazada online revolution: You get 12% off on your next purchase when you use your Security Bank MasterCard.

    Fees and Charges

    Following are the applicable fees and charges:

    Annual membership fee for primary cards

    MasterCard Classic – P2,000

    MasterCard Complete Cashback – P3,000

    MasterCard Click card – P3,000

    MasterCard Gold – P2,500

    MasterCard Platinum – P4,000

    MasterCard World – P5,000

    Annual membership fee for secondary cards

    MasterCard Classic – P1,000

    MasterCard Complete Cashback – P1,500

    MasterCard Click card – P1,500

    MasterCard Gold – P1,500

    MasterCard Platinum – P2,500

    MasterCard World – First card is waived for life. Succeeding card will be charged P2,500 and the annual membership fee is waived for the first year.

    Interest rate

    3.5% interest is charged for MasterCard Classic, MasterCard Complete Cashback, MasterCard Click card, and MasterCard Gold.

    3.25% interest is charged for MasterCard Platinum.

    2.5% interest is charged for MasterCard World.

    Late payment fee P600 or 6% of the minimum amount due, whichever is higher.

    MasterCard World – P500 or 7.5% of the minimum amount due, whichever is higher.

    Cash advance fee P500 or 5% of the cash advance amount, whichever is higher.

    MasterCard World – P500 or 3% of the cash advance amount, whichever is higher.

    Over the counter cash advance fee P500 per transaction.

    MasterCard World – P500 or 3% of the cash advance amount, whichever is higher.

    Charge Light Plan pre-termination fee P500
    Charge slip retrieval fee P400 per sales slip.
    Card replacement fee P400 per card.
    Card certification fee P200 for full settlement of account. P300 for good credit standing.

    MasterCard World – Free for first request. Succeeding request will be charged at P500.

    Returned cheque fee P1,000 for peso.

    MasterCard World – P500 for Peso.

    Statement of Account retrieval fee P50 per page, if the billing statement is more than 3 months old.

    MasterCard World – P30 per page, if the billing statement is more than 3 months old.

    Credit card exchange rate Prevailing exchange rate.
    Minimum amount due P500 or 4% of the total amount due, whichever is higher.

    MasterCard World – P500 or 5% of the total amount due, whichever is higher.

    How to Apply for Security Bank Credit Card?

    You can apply for a credit card by visiting the nearest Security Bank branch. You can also apply for Security Bank credit card online. When you are applying for a credit card online, you can also find out if you pre-qualify for the credit card. You will have to fill out personal and employment information when applying for the card.

    Security Bank Credit Card Hotline

    You can call the Security Bank’s 24 hour customer contact centre at 02-88-791-88.

    FAQs about Security Bank Credit Card

    1. Are cash advances allowed? If yes, how much cash advance can be availed?
    2. You can avail cash advance at any Security Bank ATM using the Cash Advance PIN. You can avail up to 50% of your available credit limit as cash advance.

    3. Can Security Bank credit cards be used for instalment purchases?
    4. Yes, you can use your Security Bank credit cards for instalment purchases at participating merchants.

    5. What is the benefit of paying the entire amount due?
    6. If you are paying the total amount due, you will not be charged any interest.

    7. How is the interest computed?
    8. The interest is charged on the previous month’s unpaid balance. The interest is based on average daily balance.

    9. How can I inquire about the credit card balance?
    10. You can get your monthly balance via self-serve menu at 02-88-791-88, electronic statement, monthly Statement of Account, Security Bank online, and 24-hour customer contact centre at 02-88-791-88.

    11. How to report a lost or stolen card?
    12. If you have lost your Security Bank credit card, you must immediately call the 24 hour customer care centre and report that the card has been stolen or lost. You can also request for a card replacement at the time of reporting it lost or stolen.


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