You may apply for a credit card online or at any Security Bank branch.

Requirements:

• Filipino Citizen and Philippine Resident
• Principal Cardholder must be between 21-65 years old
• Employed as a Regular Employee for at least 1 year
  – OR Self-Employed Profitably for at least 3 years
  – OR should be an existing Primary Cardholder for at least 1 year
• Must have a landline number and email address
• Must have UMID, SSS, GSIS, or TIN (you’ll need to encode any of this government numbers online)
• Must submit a Proof of Income as follows:
  – For Self-Employed: ITR and 2 years AFS and Business Permit and DTI/SEC Registration
  – For Employed: 1 month Payslip or signed COE or ITR

• Gold Mastercard – at least PHP480,000
• Wave Mastercard
  – For those with an existing credit card: at least PHP360,000
  – For First Time Cardholders: at least PHP480,000
• Cashback Platinum Mastercard – at least PHP780,000
• Platinum Mastercard – at least PHP780,000
• World Mastercard – at least PHP3,000,000
• For Fast Track Secured credit card, a minimum hold-out deposit amount of PHP25,000 is required for any savings account and PHP100,000 for time deposit account.

Below is the table of fees and charges as of August 29, 2024.

The Annual Membership Fee is a standard charge described in the Card Terms and Conditions and is not generally waived.

You may have up to five (5) supplementary cards.

You can quickly check your application status by visiting www.securitybank.com/personal/credit-cards/check-application-status/ and keying in your Reference Number and Last Name.

You may activate your new Security Bank credit card using your registered mobile number by texting the following:

SBCARDS[space]ACTIVATE[space]Birthdate(MMDDYY)/Expiry Date(MMYY)/Last four digits of your card number

Example: SBCARDS ACTIVATE 052274/1217/6813

Send it to 2086 (for GLOBE and TM) or 4629 (for SMART and TNT).

Both Primary Cardholders and Supplementary Cardholders can activate their own Security Bank credit cards via SMS using their registered mobile number.

The SMS facility is only available to all Security Bank Cardholders with a registered SMART, Globe, TM, or TNT mobile number. Below are the short code numbers to use for credit card activation per mobile network:

– Send to 4629 for SMART and TNT subscribers
– Send to 2086 for Globe and TM subscribers

Aside from card activation via SMS, you may also activate your card by calling our Customer Service Hotline at (02) 8887-9188. 

Log in to the Security Bank app then tap “Activate Now” next to your inactive credit card.

Yes, you may inquire your Security Bank credit card balance by sending an SMS using your registered mobile number.  Use any of the following formats:

For Available Credit Limit:
Text SB[space]ACL[space]last 4 digits of your card number.
Example: SB ACL 6813

*If you have outstanding installment transactions on your credit card, your actual ACL may differ from what you will receive via SMS. Please call our Customer Service Hotline at (02) 8887-9188 to know your latest Available Credit Limit.

For Outstanding Balance:
Text SB[space]OB[space]last 4 digits of your card number.
Example: SB OB 6813

For Total Amount Due and Minimum Amount Due:
Text SB[space]TADMAD[space]last 4 digits of your card number.
Example: SB TADMAD 6813

Send it to 2086 (for GLOBE and TM) or 4629 (for SMART and TNT).

Only Primary Cardholders can access their credit card balances via SMS using their registered mobile number.

Aside from balance inquiry via SMS, you may also check your credit card balance by calling our Customer Service Hotline at (02) 8887-9188.

Credit Card Rewards is a program that allows you to accumulate non-expiring rewards points whenever you use Security Bank rewards credit cards.

You can use your points any time to redeem the latest gadgets, flyer miles, dining and shopping deals, and even waive annual fees. Choose from a wide variety of products, services, and exclusive deals from our rewards catalogue.

*Required amount of points to redeem rewards may change without prior notice. Terms and Conditions apply.

You will earn 1 rewards point for every PHP20 spent using Security Bank rewards credit cards. The points earned can be used to redeem rewards such as items, flyer miles, electronic gift certificates, and more. Rewards points do not expire. To track your points, visit our BetterBanking Rewards page at https://bit.ly/BetterBanking-Rewards 

Note: Wave Mastercard, Next Mastercard and Complete Cashback Platinum Mastercard do not earn points. 

You can check your total rewards points by logging in to our BetterBanking Rewards page at https://bit.ly/BetterBanking-Rewards 

You can use your points to redeem items, electronic gift certificates, flyer miles, and more. Log in and register to our BetterBanking Rewards page to see the items you can redeem: https://bit.ly/BetterBanking-Rewards 

You can use your points to redeem items, electronic gift certificates, flyer miles, and more. Log in and register to our BetterBanking Rewards page to see the rewards options you can choose from: https://bit.ly/BetterBanking-Rewards 

Cash Advance is a credit card facility that lets you withdraw money here or abroad through an ATM using your Credit Card PIN. You can avail of Cash Advance over-the-counter at any Security Bank branch or via BancNet ATMs.

Cash advance requests are subject to evaluation.

You can conveniently avail of Cash Advance* through the following options:

*Note: Cash advance requests are subject to evaluation.

Yes, you may use your Security Bank credit cards overseas as long as the merchant accepts Mastercard. Shop hassle-free and let us do the conversion for you. No matter the currency, you will still be billed in Philippine Pesos. If your credit card is a Security Bank Mastercard Platinum or Mastercard World, you can enjoy Dual Currency Billing and pay for international transactions in US Dollars.

Yes, you may use Security Bank credit cards for installment purchases at participating merchants.

Yes, you may use your Security Bank credit cards for online purchases at any merchant that accepts Mastercard.

Yes. You may transfer balances from your other credit cards via Security Bank’s Balance Transfer service. To apply for the Balance Transfer program, visit https://www.securitybank.com/installment-and-payments/balance-transfer/

We regularly send emails to your registered email address and SMS to your registered mobile number. New promos may also be found in your monthly Statement of Account and at www.securitybank.com/promos/

IMMEDIATELY call our Customer Service Hotline at (02) 8887-9188 to report lost or stolen credit cards and request for card replacement. You may also visit a Security Bank branch near you.

Please be advised that a corresponding replacement card fee of PHP400 will be charged per card. Click here for the complete list of fees and charges. A credit card replacement takes 10-14 banking days and will be delivered to your registered delivery address.

The CVV number is the 3-digits located at the back of your card, in your signature panel. It is mainly used for online purchases. Please keep that information secure. We highly recommend you do not divulge this number to anyone.

No, you can only use the mobile number that you registered upon application. If you wish to update your contact details, you may call our Customer Service Hotline at (02) 8887-9188 or fill out our online form.

Yes, your mobile network will charge you PHP1 for sending the text message. However, no fees will be billed on your Security Bank credit card statement for using this SMS facility for card activation.

You will receive an SMS notification to confirm that your card activation was successful.

If you did not receive an SMS notification, the following scenarios may have occurred:

1. You may have typed in an invalid keyword or card details. Please verify and ensure that correct format and card information are entered.
2. You may have used an invalid short code number. Please verify and ensure that you use the correct short code number based on your mobile network.

For your reference, below are the short code numbers to use for credit card activation per mobile network:

Send to 4629 for SMART and TNT subscribers
Send to 2086 for Globe and TM subscribers

No. You will not be notified for every transaction. Notifications are only sent when a transaction is identified as high-risk. We will then request for your confirmation of the transaction to ensure that these are authorized by you.

Customer Level Limit is the total credit limit assigned to you across all your Security Bank credit cards. It is the maximum amount that you can spend using any of your Security Bank credit cards, provided that the total outstanding balance of all your credit cards does not exceed the Customer Level Limit.

To illustrate:

In the above example, Next Mastercard and Gold Mastercard are given a Customer Level Limit or Single Limit of PHP50,000. When purchases are made on either card, it reduces the available credit limit on both credit cards.

Note that the additional purchases for both credit cards should not exceed the available limit of PHP36,000.

You may request for an increase in credit limit if you’ve owned a Security Bank credit card for at least 12 months. You will need to submit any of the following: latest ITR, last 3 months pay slips, or Certificate of Employment.

Any request for increase in Credit Limit will be evaluated based on the required documents submitted. You may request for a credit limit increase online here.

The statement cut-off date of your credit cards will remain the same. This means that you have the flexibility to exhaust your Customer Level Limit on the card that has the most convenient due date for you. It allows you to maximize your spending according to your lifestyle by choosing which card you want to exhaust the limit on (without the need to submit additional requirements) – whether it’s Next Mastercard, Complete Cashback Platinum Mastercard, or any Rewards Mastercard.

1. Billing Address.
2. Card Number and Statement Date.
3. Payment Due Date – Payment must be received no later than this date.
   Credit Limit – Total Amount of what you can spend on your credit card.
   Total Amount Due – Total balance payable to your card.
   Minimum Amount Due – Minimum amount that can be paid to avoid the account from going into default.
4. Rewards Points – Summary of your rewards.
5. Account Summary – Summary of your payments and purchases made throughout the statement period.
6. Transaction Details – List of all your transactions for the current statement period.

If you are still getting a printed copy, your statement will be delivered to your billing address within 7-10 banking days after your cut off.

If your credit card is enrolled in our electronic Statement of Account (eSOA) facility, your statement will be sent to your registered email 3-5 banking days after your cut-off. Please note that all rebate and installment credit cards are automatically enrolled in our eSOA facility as defined in the Supplemental Terms and Conditions of the credit card.

You can also access copies of your available eSOA anytime via the Security Bank online app.

To enroll in our electronic Statement of Account (eSOA), you can visit https://www.securitybank.com/personal/credit-cards/services/, select ‘Enrollment for Electronic SOA’, then fill out the form and submit.

To request a printed copy of your Statement of Account (SOA), please email [email protected].

You can access copies of your available electronic statement of account (eSOA) anytime via the Security Bank online app.

For other SOA-related concerns, you can email [email protected] or call our Customer Service Hotline at (02) 8887-9188.

Your latest credit card balance can be viewed in your Printed/Electronic Statement of Account (eSOA) or through Security Bank Online (SBOL).

You may also inquire through:

1. Self-serve menu by calling our Customer Service Hotline at (02) 8887-9188.
2. SMS facility using your registered mobile number. Send a text to 2086 (for Globe & TM Subscribers) or 4629 (for SMART & TNT Subscribers) using the following format:SB[space]OB[space]Last four digits of your card number
   
   Example: SB OB 6813

No, you can only use the mobile number that you registered upon application. If you wish to update your contact details, you may call our Customer Service Hotline at (02) 8887-9188 or fill out our online form.

The SMS facility is only available to all Security Bank Cardholders with a registered SMART, Globe, TM, or TNT mobile number. Below are the short code numbers to use for credit card activation per mobile network:

– Send to 4629 for SMART and TNT subscribers
– Send to 2086 for Globe and TM subscribers

Yes, your mobile network will charge you PHP1 for sending the text message. However, no fees will be billed on your Security Bank credit card statement for using this SMS facility for card balance inquiry.

If you did not receive an SMS reply, the following scenarios may have occurred:

1. You may have typed in an invalid keyword or card details. Please verify and ensure that correct format and card information are entered.
2. You may have used an invalid short code number. Please verify and ensure that you use the correct short code number based on your mobile network.

For your reference, below are the short code numbers to use for credit card activation per mobile network:

Send to 4629 for SMART and TNT subscribers
Send to 2086 for Globe and TM subscribers

There are several ways to pay your credit card bill (in Philippine Peso):

1. Online using your Security Bank online or mobile app
2. Over-the-counter at any Security Bank branch near you
3. Using any Security Bank ATM
4. Automatic Debit Arrangement (ADA) using your Security Bank account
5. At any of our Bank Partners and Payment Centers

Click here for the complete list of bank partners, payment centers, and ways to pay your credit card balance.

You can pay your credit card bill in US Dollars at any Security Bank branch or via Automatic Debit Arrangement (ADA). Your SBC deposit account has to be in USD for us to process your ADA enrollment.

No. Should your due date fall on a weekend or holiday, we suggest you settle your payables before your due date to avoid incurring late payment fees and interest charges.

Payments shall be posted to your account within 2-3 banking days.

Please be guided that no payments are processes on weekends and holidays. Should your due date fall on a weekend or holiday, we suggest you settle your payables before your due date to avoid incurring late payment fees and interest charges.

The Minimum Amount Due (MAD) for your credit card will be computed as follows: 

3% of total amount due or PHP500 (USD10), whichever is higher, plus overlimit and overdue amount if any. 

The Total Amount Due will comprise of the following:

1. Previous Balance
2. Straight Purchases
3. Amortization amount for Installment Transactions
4. Transaction Fee/s (e.g., Cash Advance Fee, SimplyPay Fee, Quasi-cash fee)
5. Service Fee/s (e.g., Account Maintenance Fee, ADA Fee)
6. Interest Charge/s
7. Late Payment Fee/s 

You have the flexibility of paying any amount between your Minimum Amount Due and your Total Amount Due. Interest charges only apply if you pay below your Total Amount Due.

Any unpaid balance from the previous month (Total Amount Due less Amount Paid), will be charged with interest. The interest is based on the Average Daily Balance for that month.​

Note: The monthly interest for all card types is 3%.​

The payment due date is the date when you must make your payment without incurring late fees or other penalties. The statement date is the last day on which transactions can be posted to your account for that statement.

A late payment fee of PHP1,000 (USD20) or unpaid minimum amount due, whichever is lower, will be billed to your account on top of other transactions. Your account will also have a history of being overdue and may be reported to credit bureaus.

Yes, with Bills Assist, you can consolidate all your utility bills — water, electricity, cable, etc. — and we bill you in just ONE due date. Monthly billings will be charged automatically to your Security Bank credit card. Bills Assist transactions also earn rewards points (except Meralco and PLDT). To enroll, click here.

Note: Wave Mastercard, Next Mastercard and Complete Cashback Platinum Mastercard do not earn points.

You can request a cash advance* of at least PHP500, up to your maximum Cash Advance Limit (subject to your available credit limit).

*Note: Cash advance requests are subject to evaluation.

To request for a Credit Card (CC) PIN, please follow the steps below: 

1. Visit https://www.securitybank.com/personal/credit-cards/services/ and select ‘Request for Credit Card PIN’ 
2. Fill and submit the webform 
3. Wait for an email and SMS notification regarding the delivery of your requested Credit Card (CC) PIN. 

Your Cash Advance limit will be based on your account’s available credit limit and is refreshed on your next cut-off date after the posting of your payment.

*Note: Cash advance requests are subject to evaluation.

Yes. You may assign a specific credit limit for your supplementary credit card upon application. 

You can avail of Cash Advance* if your credit card is active. To activate, please send the following syntax via SMS using your registered mobile number:  

SBCARDS[space]ACTIVATE[space]Birthdate(MMDDYY)/Expiry Date(MMYY)/Last four digits of your card number and send it to 2086 (for GLOBE and TM) or 4629 (for SMART and TNT).   

Example: SBCARDS ACTIVATE 052274/1217/6813 

*Note: Cash advance requests are subject to evaluation.

Please report it immediately by calling our hotline at (02) 8887-9188 and pressing 9, or by emailing [email protected].

Visit https://www.securitybank.com/personal/credit-cards/quasi-cash/ to see the list of Quasi-cash MCCs

SECURITY BANK CREDIT CARD TERMS AND CONDITIONS 

1. THE SECURITY BANK CREDIT CARD (“CARD”) 

The Security Bank credit card (“CARD”) is issued to you, the cardholder, by Security Bank Corporation (“we”, “our”, “us”). It is our sole property and is non-transferable. After the approval of your application, you will be required to activate your credit card once delivered. Card activation may be done through recorded line, email instruction, or via 2-Way SMS. You are required to sign the dedicated portion at the back of your CARD upon receipt. Your CARD will only be honored by our affiliated establishments when properly signed and presented by you in good standing, and the required charge slip has been signed by you. It is valid up to the last day of the month indicated on the CARD, unless terminated earlier. After the expiration date, we and our affiliated establishments shall no longer be bound to honor the expired card unless the same has been renewed, subject to our approval.

We may, but do not have the obligation to give you any reason or prior notice:

1. Terminate or suspend your CARD privileges, including Cash Advance, at any time and for whatever cause and cancel any Card Transaction and demand immediate repayment of the same, including full payment of Installment Transactions;
   • 2.1 Decline any CARD transaction, including Cash Advance,  even if you have enough credit limit to pay for the purchase or withdrawal; (Effectivity: until November 16, 2025)
   • 2.2 Decline any CARD transaction, including Cash Advance,  even if you have enough credit limit to pay for the purchase or withdrawal. Such declines may be based on factors including, but not limited to, risk profile, merchant category classification (including quasi‑cash transactions), or other parameters determined through account evaluation. Declines may apply to specific merchants, merchant categories, or transaction types, and may be temporary or permanent as part of the Bank’s credit risk management and fraud prevention measures. You agree to hold the Bank free and harmless from any claim or liability arising from such declines; (Effectivity: November 17, 2025)
2. Increase or decrease your Credit Limit, and/or Cash Advance Limit;
3. Refuse to reissue or replace your CARD;
4. Amend, add, restrict or cancel your CARD privileges, services and facilities, whether relating a specific CARD or all CARDS tagged under your name;
5. Limit Card transactions made in one day, such as, but not limited to, number of purchases, online transactions, Cash Advances, and more; and
6. Without waiving any of our rights, approve any Card transaction even if it may cause the balance on your account to exceed your Credit Limit.

You may be required to contact us in case we detect suspicious or unusual activities on your CARD. Until the activity is verified, your CARD may be suspended or cancelled if there is reason to believe that it may be or may have been used fraudulently. If we revoke your right to use your CARD or do not re-issue it for any reason, we may collect all outstanding balances, fees and charges immediately.

You agree to surrender your CARD upon demand to our offices or branches or to our duly authorized representative. You agree to hold us free and harmless from any claim for damages arising from such suspension, cancellation, termination, withdrawal or confiscation or any other loss or damage that you may experience due to any of the actions we take as listed above. Please note that continued use of the CARD in case of closure or cancellation or non-reissuance of the CARD is deemed as fraudulent.

2. YOUR RESPONSIBILITY 

You are considered in good credit standing if all accounts for the issuance and/or use of your CARD are current and not overdue, and your privilege to use the CARD is not suspended, cancelled, terminated, withdrawn, confiscated, and unexpired. You are liable for all purchases and cash advances made through the use of your CARD, including all interests, fees and other charges as provided herein, and you hereby agree to accept and pay for such availments without the necessity of proof of a signed charge slip. We shall not be liable to you if for any reason the CARD is not accepted or honored at any Security Bank Mastercard affiliated establishment. You agree to hold us free and harmless from damages arising from the failure of the affiliated establishment to honor the CARD. You shall not hold us liable for any defective product or service purchased using the CARD. Complaints regarding the product or service purchased using the CARD shall be referred to the merchant and shall not affect your obligation to pay outstanding balances with us. Furthermore, you agree to hold us free and harmless from any and all claims for damages as a result of the failure of any accredited merchant or any acquiring bank, or Security Bank Mastercard. Any claim or dispute against an affiliated merchant does not relieve you of your obligation to pay the charges incurred through the use of your CARD. You may report a dispute on unauthorized/fraud transactions within 80 calendar days from the transaction date, through the Security Bank Customer Service Hotline at (632) 8887-9188. Should you request for retrieval of documents relating to CARD disputes, a Four Hundred Pesos (PHP400) retrieval fee per charge invoice shall be charged to you. The retrieval fee is subject to change and shall be waived if dispute is valid.

 You also agree to fully comply and abide by the following: 

1. The terms and conditions governing the use of the CARD
2. Laws, statutes and regulations, and BSP Circulars relevant to credit cards and credit accommodations
3. The provisions of Republic Act 8484 governing the use of the credit card and other access devices in commercial transactions

 You are required to inform us of any changes in your contact details and/or billing address. 

 3. YOUR SUPPLEMENTARY CARDS 

The use of the SUPPLEMENTARY CARDS shall be governed by this Agreement. Any reference to the CARD issued to the Cardholder shall also apply to the SUPPLEMENTARY CARD/S. We can issue up to 5 supplementary cards to you. You and your supplementary/ies and/or surety/ies shall be jointly and severally liable for all purchases and cash advances made, including all interest and charges incurred through the use of the SUPPLEMENTARY CARD/S, as well as for any breach by the SUPPLEMENTARY CARDHOLDER/S of these terms and conditions. Primary and Supplementary CARDHOLDERS share the same credit limit unless otherwise specified. You, your supplementary/ies and or surety/ies further waive any defense of minority or illiteracy on any SUPPLEMENTARY CARD. Such responsibility shall only cease upon your request to terminate the SUPPLEMENTARY CARD privileges. Cancellation can be done by calling the Security Bank Customer Service Hotline at (632) 8887-9188. We will grant the termination, provided all purchases and cash advances made, including all interest and charges incurred through the use of the SUPPLEMENTARY CARD are fully paid and satisfied.

In the event of annulment or separation, legal or de facto, of you and your spouse, you and your supplementary/ies and/or surety/ies shall continue to be responsible for such amounts incurred through the use of the SUPPLEMENTARY CARD/S unless you request in writing that the privileges of such supplementary/ies under this Agreement be terminated, provided all purchases and cash advances made, including all interest and charges incurred are fully paid and satisfied at the time of said request.

4. YOUR CREDIT LIMIT 

You will be granted a credit limit in Philippine Pesos which we calculated depending on your personal paying capacity. Your credit limit represents the maximum outstanding balance or purchases that you may be allowed at any given time and will be shared with all of your SUPPLEMENTARY/IES. You are required to assign the credit card limit of your SUPPLEMENTARY/IES. The expiration, suspension, cancellation or termination of the CARD shall terminate the credit extended to you under this Agreement.

Security Bank may increase or reduce your credit limit depending on its assessment, policies, and guidelines. You will be notified of such adjustments, subject to regulations of the Banko Sentral ng Pilipinas. You may also apply for a change in credit limit, subject to the approval of Security Bank. Any credit limit increase made by the Bank may be declined by the cardholder.

 Your ChargeLight Installment limit forms part of the credit limit extended to you. Such ChargeLight credit limit shall form part of the maximum outstanding balance of the purchases that you may be allowed at any given time if you avail of ChargeLight Installment purchases. The corresponding add-on interest from ChargeLight Installment purchases are part of your ChargeLight Installment limit. Should the outstanding balance exceed the approved credit limit at any given time, we reserve the right to decline any transaction and/or suspend your/SUPPLEMENTARY/IES’ credit card privileges. The said excess amount shall be considered immediately due without the need for further notice or demand. In case you are issued two (2) or more credit cards, you understand and agree to abide by the condition that all of your cards shall have one (1) consolidated or shared credit limit, in Philippine Pesos, unless you are otherwise notified or informed by us that you will be given a separate credit limit for each card, over which we shall have sole discretion. In case of default in payment in one (1) or more cards, we, at our sole discretion, may revoke your right to use all or any of your SB credit cards. 

It is the cardholder’s responsibility to monitor his/her total obligations so as not to exceed the approved credit limit at any given time. An overlimit fee amounting to PHP500 shall be charged if your card’s outstanding balance including all transactions whether purchases, refunds, interest, and fees, goes beyond the approved limit.   

The overlimit will be charged and added to the Minimum Amount Due when the outstanding balance, including fees and charges, exceeds the prescribed credit limit within the statement period. 

5. CASH ADVANCES 

(This provision shall remain effective until April 20, 2026, and shall thereafter be replaced by the immediately following amended provision.)

Cash Advance is a credit card facility that lets you withdraw money using your card and Cash Advance PIN (CA PIN). You will be assigned a cash advance limit based on your card type. Cash advance is also subject to service fee (see card fees and charges) which will be charged per cash advance transaction. You can request your CA PIN through the Security Bank Customer Service Hotline at (632) 8887-9188. Never disclose or share your CA PIN to anyone. We will never ask you for your PIN. You agree that all cash advances shall be conclusively presumed to have been personally made or authorized by you.

AMENDED PROVISION

5. CASH ADVANCES 

Cash Advance is a credit card facility that lets you withdraw money using your card and Credit Card PIN (CC PIN). You will be assigned a cash advance limit based on your card type. Cash advance is also subject to service fee (see card fees and charges) which will be charged per cash advance transaction. You can request your CC PIN through the Security Bank Customer Service Hotline at (632) 8887-9188. Never disclose or share your CC PIN to anyone. We will never ask you for your PIN. You agree that all cash advances shall be conclusively presumed to have been personally made or authorized by you.

6. REWARDS POINTS 

You get to earn Rewards Points on qualified transactions, depending on the CARD type we issued to you. Earning and redeeming of Rewards for the different CARD types are governed by the respective CARD’s terms and conditions. These Rewards may only be earned and redeemed if your CARD is in good credit standing. If your CARD has been cancelled, either by you or by us, any unused Rewards will be immediately forfeited. Likewise, if you avail of debt restructuring or other collection programs, unused Rewards will remain forfeited, despite payment of your CARD accounts. Regularly visit the website to check the items that can be redeemed using your Rewards Points.

7. CHARGELIGHT INSTALLMENT PLAN

You may avail of in-house and store-level Installment Promotions. We, at our sole discretion, shall determine the rates and available monthly terms. Our installment facilities allow you to pay the following, together with the applicable interest and other fees, on installment basis (“Installment Transaction”), for specified monthly payment options of 3, 6, 9, 12, 18 or 24 months:

1. Select goods and services purchased from our accredited establishments in the Philippines through ChargeLight and 0% ChargeLight
2. Cash converted from your credit limit through SB Ready Cash
3. Other, non-SB credit card balances transferred to your CARD through SB Balance Transfer
4. Any non-installment or straight amounts from your CARD through Convert-to-ChargeLight.

The principal amount of the transactions covered in (a) through (d) is the Installment Transaction Amount. You should maintain good credit standing to be eligible for any of these Installment Facilities. However, final qualification is still subject to credit evaluation and your credit limit, as applicable. We may require a minimum availment amount for these Installment Transactions.

The monthly Installment due for your Installment Transaction (“Monthly Installment Due”) is included in the Minimum Amount Due on your eSOA until the Installment Transaction Amount and the applicable Interest are paid in full.

You may compute the Monthly Installment Due by using the following formula:

Installment Transaction x [1+(Converted Monthly Factor Rate x Term)]

Term

We shall charge you a processing fee of 5% of the unbilled portion of the principal amount in case of pre-termination or cancellation of the approved ChargeLight Transaction before the end of the chosen repayment period. The computation of the Interest and the Principal components of the Monthly Installment Due from ChargeLight Installment transactions shall be on a diminishing balance basis and the Interest and Principal portions of the Monthly Installment Due will not be equal from month to month.

 8. ELECTRONIC STATEMENT OF ACCOUNT (e-SOA)

An Electronic Statement of Account (e-SOA) shall be issued to you on a monthly basis, on a specific billing cycle date, reflecting your outstanding balance and the minimum payment due, among others.

You agree to pay all the charges on or before payment due date as stated in your statement of account. You will receive your e-SOA through your registered email address. A Statement of Account Fee will be charged upon request of a physical copy of your eSOA. For electronic billing statement requests that are more than three (3) months old, a Statement of Account Fee for retrieval will be charged. All fees related to your e-SOA can be found in Security Bank’s fees and charges table.

You agree to examine the e-SOA and report any discrepancy immediately. If no error is reported within 75 calendar days from e-SOA date, transactions reflected in e-SOA will be considered conclusively correct. All other terms and conditions stated in the monthly e-SOA shall form an integral part of this Terms and Conditions. We reserve the right to investigate and confirm within a reasonable time, in accordance with accepted or standard credit card business practices and procedures, any reported error or fraudulent transaction before making any correction in your e-SOA.

You must immediately inform us of the non-receipt of the e-SOA before your payment due date. Absence of any report of non-receipt shall be deemed as confirmation that you have received your e-SOA. Non-receipt of your e-SOA does not relieve you of your obligation to pay the amounts due on the Card by the Payment Due Date. To avoid incurring Late Charges and further Interest charges and other fees, in case you do not receive your e-SOA within seven (7) to ten (10) days from the Statement Date, call the Security Bank Customer Service Hotline at (632) 8887-9188 immediately and pay before the Payment Due Date.  Please align with the final wording/term to be used in the table of fees and charges for clarity.

9. PAYMENTS

(This provision shall remain effective until April 20, 2026, and shall thereafter be replaced by the immediately following amended provision.) 

Payments shall be posted to your account within 2-3 banking days. If the Payment Due Date falls on a weekend or regular national holidays, the payment due date shall be automatically moved to the next business day and payment thereon shall not be treated as late payment. Payments due must be received on or before the payment due date reflected on your e-SOA. Acceptance of payment is considered effected only when checks are cleared. Updating of balance will only take place upon check clearing.

As a general rule, overpayment on your credit card shall not be allowed and will not form part of your credit limit nor cash advance limit. In cases where there’s an excess payment after all billed credit card balances are settled, the overpayment shall not earn interest and will be applied as payment to your succeeding transactions. Refund of credit balance due to overpayment or merchant refund, shall be subject to approval and applicable fees, and after incoming transactions/s are fully deducted.

Payment which exceeds total amount availed and/or credit limit and accounts with credit balances may be subject to monitoring and reporting requirements under the IRR of AMLA, as amended.

Payment through any authorized mode or made to any accredited payment center of the bank, shall be considered as payment to the bank made on the same date. Should you choose to pay an amount less than the total amount due, finance charges may be imposed.  We shall compute the interest by adding your daily balances within the billing cycle. The daily balance will take into account the unpaid outstanding balance, and all payments made within the same billing cycle. The sum of the daily balances shall then be divided by the number of days within the billing cycle, resulting to the average daily balance. To arrive at the interest, the average daily balance is multiplied by the applicable interest rate based on your card type.

Interest or finance charge will not be charged on new purchases within the current statement cycle. Payment in excess of the minimum payment amount will be applied to the account in the order of:

1. Penalties
2. Interest
3. Fees and Charges
4. Principal Amount

The stipulated interest shall accrue on all charges that remain unpaid after the last day as stated in the monthly e-SOA. This will be computed using the average daily balance method.

Credits from transactions converted into installments posted within a billing cycle are not considered payment for the same billing cycle. Cardholder will be subject to interest if the total amount due reflected in the Statement of Account is not settled in full on or before due date.

Failure to pay any two (2) succeeding minimum amount due shall suspend your revolving credit facility. Failure to pay any four (4) succeeding minimum amount due shall constitute default and result in the total unpaid balance to become due and demandable. Provided, that if there are changes in the prevailing market interest rates, we, at our sole discretion, may adjust the applicable interest rates and it shall be the guiding rate of computing the interest due on the outstanding obligation. The interest rate shall be posted on the monthly e-SOA sent to you. We will post payments within the mentioned posting periods. However, system glitches or breakdowns beyond our control may occur, resulting in a longer period before your payments shall be posted and your account updated.

We shall be charging late payment fees if a Card Member fails to pay at least the Minimum Amount Due on or before the Payment Due Date. You hereby authorize us to charge additional service fees as may be deemed necessary in order to maintain our service to you such as:

• Card Certification Fee for full settlement of account
• Good Credit Standing Certification Fee for the initial and succeeding requests, amount to depend on the card type
• Returned Check Fee depending on the card type
• Payment Transfer Fee
• For Dual Currency Accounts, we reserve, in the absence of any specific instruction, the right to apportion payments from the Peso to the Dollar Account and vice-versa, without need of further instructions from you.

If there are changes in the Fees and Charges originally communicated to you, we shall provide prior notice through our online channels, email, or SMS.

AMENDED PROVISION

9. PAYMENTS

Payments shall be posted to your account within 2-3 banking days. If the Payment Due Date falls on a weekend or regular national holidays, the payment due date shall be automatically moved to the next business day and payment thereon shall not be treated as late payment. Payments due must be received on or before the payment due date reflected on your e-SOA. Acceptance of payment is considered effected only when checks are cleared. Updating of balance will only take place upon check clearing.

As a general rule, overpayment on your credit card shall not be allowed and will not form part of your credit limit nor cash advance limit. In cases where there’s an excess payment after all billed credit card balances are settled, the overpayment shall not earn interest and will be applied as payment to your succeeding transactions. Refund of credit balance due to overpayment or merchant refund, shall be subject to approval and applicable fees, and after incoming transactions/s are fully deducted.

Refund of credit balance processed via Manager’s Check must be claimed within ninety (90) days from the date of posting; otherwise, any unclaimed refund shall be credited back to the Cardholder’s credit card account within the month immediately following the lapse of the 90-day claim period.

Payment which exceeds total amount availed and/or credit limit and accounts with credit balances may be subject to monitoring and reporting requirements under the IRR of AMLA, as amended.

Payment through any authorized mode or made to any accredited payment center of the bank, shall be considered as payment to the bank made on the same date. Should you choose to pay an amount less than the total amount due, finance charges may be imposed.  We shall compute the interest by adding your daily balances within the billing cycle. The daily balance will take into account the unpaid outstanding balance, and all payments made within the same billing cycle. The sum of the daily balances shall then be divided by the number of days within the billing cycle, resulting to the average daily balance. To arrive at the interest, the average daily balance is multiplied by the applicable interest rate based on your card type.

Interest or finance charge will not be charged on new purchases within the current statement cycle. Payment in excess of the minimum payment amount will be applied to the account in the order of:

1. Penalties
2. Interest
3. Fees and Charges
4. Principal Amount

The stipulated interest shall accrue on all charges that remain unpaid after the last day as stated in the monthly e-SOA. This will be computed using the average daily balance method.

Credits from transactions converted into installments posted within a billing cycle are not considered payment for the same billing cycle. Cardholder will be subject to interest if the total amount due reflected in the Statement of Account is not settled in full on or before due date.

Failure to pay any two (2) succeeding minimum amount due shall suspend your revolving credit facility. Failure to pay any four (4) succeeding minimum amount due shall constitute default and result in the total unpaid balance to become due and demandable. Provided, that if there are changes in the prevailing market interest rates, we, at our sole discretion, may adjust the applicable interest rates and it shall be the guiding rate of computing the interest due on the outstanding obligation. The interest rate shall be posted on the monthly e-SOA sent to you. We will post payments within the mentioned posting periods. However, system glitches or breakdowns beyond our control may occur, resulting in a longer period before your payments shall be posted and your account updated.

We shall be charging late payment fees if a Card Member fails to pay at least the Minimum Amount Due on or before the Payment Due Date. You hereby authorize us to charge additional service fees as may be deemed necessary in order to maintain our service to you such as:

• Card Certification Fee for full settlement of account
• Good Credit Standing Certification Fee for the initial and succeeding requests, amount to depend on the card type
• Returned Check Fee depending on the card type
• Payment Transfer Fee
• For Dual Currency Accounts, we reserve, in the absence of any specific instruction, the right to apportion payments from the Peso to the Dollar Account and vice-versa, without need of further instructions from you.

If there are changes in the Fees and Charges originally communicated to you, we shall provide prior notice through our online channels, email, or SMS.

10. AUTOMATIC DEBIT ARRANGEMENT 

You have the option to maintain a deposit account with us through which payment of your account may be made. You shall execute and sign a formal authority in favor of the BANK to debit automatically, without notice, your deposit account for such amounts as may be sufficient to cover the payment of your outstanding balance upon presentation of your account to the BANK by Security Bank. Should your outstanding balance exceed the amount deposited with the BANK, such excess shall become immediately due and payable and you shall be considered in default of your obligations to pay the same. In the event that there is no sufficient balance under any or all of your Auto Debit arrangement accounts, your account will be debited for any amount available in your account plus an ADA Fee.

11. FOREIGN CURRENCY TRANSACTIONS

For transactions made in foreign currencies in the Philippines or abroad, the manner of conversion from the transaction currency to the payment currency (Philippine Pesos) would be automatically made by Security Bank at posting date. All foreign currency transactions will be converted using Mastercard’s currency conversion rate at the time of posting, plus an assessment fee, the rate of which may be adjusted from time to time.

In case a foreign currency transaction is voided or cancelled, the transaction amount will be reversed. However, there may be a slight discrepancy between the original transaction amount and the reversal amount since the reversal amount shall be computed based on the prevailing rate at the time when it is reversed.

12. ANNUAL MEMBERSHIP FEE 

You agree to pay an Annual Membership Fee for the issuance and use of the Card, as well as fee/s for other facilities and services that you avail of and/or for the maintenance and administration of any balance or transaction on the Card (See Fees and Charges for the prevailing rates. Annual Membership fee is not applicable to Wave and Next Titanium Mastercard.) The said fee/s shall be deducted from the available Account Credit Limit. You agree that we may change or increase the Interest charges, fees, and other charges, and their rates and calculation from time to time. We will notify you of any changes in the manner of computation of the outstanding balance and the amount of fees to be imposed on you as the Cardholder.

13. DELINQUENCY 

You will be considered in default or delinquent if your card or any other credit facility/ies with Security Bank Corporation has/have non-payment or payment of an amount less than the Minimum Amount Due (MAD) by the payment due date. You hereby agree that your card privileges shall be either suspended or cancelled even without prior notice. In case of card suspension, it may be lifted if the other debt obligation/s has/have been either updated or fully settled. We will report and/or include your name as well as your SUPPLEMENTARY/IES in negative listings of any credit bureau, institution or other organization. Should we opt to refer the account to a collection agency for collection purposes, we shall inform you in writing of the intended endorsement to a collection agency, or the endorsement of the account from one collection agency to another, at least seven (7) days prior to the actual endorsement. Said notification shall include the full name of the collection agency and its contact details.

14. LATE PAYMENT FEE

If you fail to pay at least the Minimum Amount Due on or before Payment Due Date, a late payment fee will be imposed on your credit card account and will be reflected in the next cycle’s e-SOA.

 15. ACCOUNT MAINTENANCE FEE

An account maintenance fee will be charged to your account if account was closed with credit balance or if your account has no activity for the past twelve (12) months.

16. ATTORNEY'S FEES, VENUE

In case of default in payment, the right to use the CARD shall automatically be terminated and you shall refrain from further using such CARD and shall surrender the same to us or our authorized representatives on demand. In addition, you shall pay a late payment fee. If collection of the account is endorsed to a collection agency and/or enforced through court action, you agree to pay the costs of collection and/or attorney's fees equivalent to 25% of the unpaid balance (including interest and service charges), as well as the expenses of litigation and judicial costs. The exclusive venue of all suits to enforce this Agreement shall be in the proper courts of Makati City and any request to hold in other venues will be disregarded. 

In the event of any controversy or action arising from this Agreement or any incident thereto which you may file against us,  our  liability  shall  be  limited  to  the  amount  of  the  relevant  transaction,  or  the  actual  damage caused to you,  whichever  is  lesser.   We  shall  not  be  liable  to  you  for  any  indirect,  special  or  consequential loss or damages arising in any way from the use of the CARD.

17. ASSIGNMENT

(This provision shall remain effective until April 20, 2026, and shall thereafter be replaced by the immediately following amended provision.)

You and your SUPPLEMENTARY/IES agree to assign to Security Bank, effective upon failure to pay on the Payment Due Date, any or all monies, securities, bonds, and things of value which are now or may hereafter be in the hands of Security Bank, and any member of the Security Bank Corporation Group of Companies on deposit or otherwise to the credit of, or belonging to you or your SUPPLEMENTARY/IES. Pursuant to the authority granted to us, you expressly authorize us to inquire about and allow full disclosure of any information related to your funds or properties with Security Bank, its branches, subsidiaries and affiliates.

AMENDED PROVISION

17.  ASSIGNMENT OF DEPOSITS

You and your SUPPLEMENTARY/IES agree to assign to Security Bank, effective upon failure to pay on the Payment Due Date, any or all monies, securities, bonds, and things of value which are now or may hereafter be in the hands of Security Bank, and any member of the Security Bank Corporation Group of Companies on deposit or otherwise to the credit of, or belonging to you or your SUPPLEMENTARY/IES. Pursuant to the authority granted to us, you expressly authorize us to inquire about and allow full disclosure of any information related to your funds or properties with Security Bank, its branches, subsidiaries and affiliates.

18.  RIGHT TO SET-OFF/RETENTION OF COLLATERAL

You and your SUPPLEMENTARY/IES agree that upon default or delinquency, we may, in absolute discretion and with notice as provided for by regulations of the Bangko Sentral ng Pilipinas, offset the obligations under the card against any of your deposits, money market/trust placements, stocks, bonds and other assets coming to the custody, possession or control of Security Bank, its subsidiaries and affiliates obligations, in accordance with the provisions of Articles 1278 to 1290 of the New Civil Code of the Philippines.  For this purpose, you and your SUPPLEMENTARY/IES hereby authorize and irrevocably constitute us to assert our legal claim on your deposits, money market/trust placements, stocks, bonds and other assets and properties in the possession, custody or control of Security Bank, its branches, subsidiaries, affiliates, and as may be applicable, sell said assets and properties under commercially reasonable terms as defined in the Personal Property Security Act, which proceeds shall be applied as payment for the settlement of any of your unpaid obligations with Security Bank.  In the event that your funds are held by Security Bank, such shall have the right to retain such funds for a period of at least forty-five (45) days from the date of cancellation of termination of the Card and its return to Security Bank and the closure of the Card account. We are not precluded from availing of other remedies in case the funds are insufficient to settle your obligations under the card.

Should you default on any other debt obligation with Security Bank, any collateral you have provided to us for any other obligation shall remain in our possession and we shall have the right to hold the release of collateral until all your other past due obligations with SECURITY BANK CORP. have been either updated or fully settled.

19. CONVEYANCE AND TRANSFER OF RIGHTS

The BANK may assign, transfer, discount, or otherwise convey, in whole or in part, any of its rights, interests, and/or obligations under this Agreement or any Card transaction, including receivables and any accessory or related agreements, to its affiliates or to any third party, without the consent of the Cardholder. The Cardholder will be notified of such assignment in accordance with applicable laws or regulations. (Effectivity: April 21, 2026)

20. CARD REPLACEMENT

We may change your credit card number and/or expiry date when issuing your renewal or replacement card. You are solely responsible for communicating this change to any party with whom you may have payment arrangements. We are not responsible for the consequences arising from the rejection of any transaction, whether under the old card number or otherwise. We will be charging a card replacement fee. You must safely keep the CARD and not use it after its expiry date, upon its suspension or cancellation nor permit anyone to use it for any reason whatsoever.

21. LOSS OF THE CARD

In the event the CARD is lost or stolen, you are highly encouraged to report this immediately to the Security Bank Customer Service Hotline at (632) 8887-9188 stating the place, date, circumstances of the loss/theft and the last purchases made to free you from any liability arising from the possible misuse of your CARD. Unauthorized charges made against the lost/stolen CARD prior to the phone-in report shall be charged to you. Your failure to report immediately the loss/theft of the CARD to Security Bank after discovery and to state the required information as to the place, date, circumstance of the loss and theft and last purchases made, shall be deemed proof of fraud, and Security Bank and its accredited establishments shall be free and harmless from any and all claims for damages from the Cardholder. A fee shall be charged by Security Bank for the publication of the lost or stolen card for all cards. This fee is subject to change.

22. SUSPENSION OR TERMINATION

We reserve the right to suspend, cancel or terminate the use of the CARD or withdraw your privileges without prior notice for whatever reason including, but not limited to the following: 

• Your failure to comply with any of the terms and conditions governing the use of the CARD; 
• Your failure to pay the minimum amount due on or before the payment due date;  
• You have exceeded the assigned Credit Limit;
• The CARD is not renewed by us;
• Death of the cardholder;
• Your employment is terminated in the case of SB Corporate credit cards;
• Your bankruptcy, insolvency, receivership, levy on execution, garnishment or attachment; 
• Your conviction by final judgment of a criminal offense carrying with it the penalty of civil interdiction; 
• Final judgment against you in a case covered by Article 1198 of the New Civil Code;
• You are investigated, charged with, or convicted of a violation of Republic Act 8484 otherwise known as the "Access Devices Regulation Act of 1998”, as amended by Republic Act No. 11449. 

Security Bank shall notify the cardholder within seven (7) banking days from the date of cancellation or within such period as prescribed by law or regulation, provided that the cardholder shall have the right to appeal the suspension/cancellation/revocation, for the Bank’s consideration.

In any of the above events, all privileges granted to you as well as your SUPPLEMENTARY CARD/S shall automatically be terminated and the aggregate unpaid purchases and cash advances made, including all the interests and charges of your SUPPLEMENTARY/IES for which you are liable shall immediately become due and demandable. You and your SUPPLEMENTARY/IES agree to surrender your CARD/S upon demand to any of our offices, branches or duly authorized representatives. You also agree to hold us free and harmless from any claim for damages arising from such suspension, cancellation, termination, withdrawal or confiscation. Continued use of the CARD/s despite such notice shall be deemed fraudulent.

Security Bank shall have the option of reinstating Cardholder’s privileges. 

 A reinstatement fee shall be charged including, but not limited to the following: 

• Cancelled cards within 30 days  
• Past due accounts that have been reinstated after having settled the minimum amount due and/or having fully paid/settled the balance before reaching 90 days past due status. 

23. ONLINE TRANSACTIONS

You are responsible in ensuring the security of your Card especially in connection with the use of the Card to purchase goods/services through online or e-commerce sites or portals. You acknowledge that you may be required to input/enter your Card information on the internet or e-commerce site or portal to complete the transaction, and inputting/entering the Card information or/and Cardholder information shall be deemed by Security Bank to have been made with the knowledge of or authorized by the Cardholder. However, Security Bank may choose not to implement transactions coursed through the internet or e-commerce sites or portals if:

- it has any reason to doubt its authenticity or if in its reasonable opinion;

- the transaction is unlawful or otherwise improper to do so; or

- our regulatory units deem the transaction as fraudulent, illegal, or a criminal

Furthermore, you acknowledge that Security Bank may conduct an authentication procedure, where a merchant is 3D Secure-enabled or where warranted, One-Time Password (OTP) is used as an additional security feature to authenticate online card transactions. For this purpose, you may be required to input/enter the One-Time Password (OTP) in accordance with the prescribed authentication procedure before a transaction is officially completed. You understand that the One-Time Password (OTP) is strictly private and confidential and unless required to be inputted in a 3D Secure-enabled merchant’s online platform as part of the authentication of your online transactions, you agree not to disclose said One-Time Password (OTP), Cardholder’s contact details to anyone, including Card information, such as the Card Number, expiry date, CVV (3 digits found at the signature panel of the credit card) among others. 

You shall indemnify and hold Security Bank, its subsidiaries and affiliates, as well as any of its officers, employees, representatives and its service providers, free and harmless from and against any and all liabilities, causes of action or suits of whatever kind and nature, claims, dispute, losses, damages, costs, fees, and expenses  (including legal costs on a full indemnity basis) that may arise as a result  of or in connection with the use of the Card to purchase goods and/or services through online or e-commerce sites or portals and/or Cardholder’s disclosure of the OTP, CVV, Card expiry date or any contact details,  cardholder and card information. 

24. RECURRING REQUESTS FOR RETURN OF FUNDS/REIMBURSEMENT OF FEES INCURRED

If for any reason and/or out of sheer goodwill, Security Bank decides to return, any amount You lost/reimbursement of fees incurred due to negligence and/or fraud, You acknowledge that this shall not be construed as an obligation on the part of Security Bank to do the same in the event of a recurrence of such incident. Security Bank reserves the right to deny any similar or analogous requests You may have in the future.

25. CANCELLATION OF THE CREDIT CARD

Cancellation can be done by calling the Security Bank Customer Service Hotline at (632) 8887-9188. In line with Section 25 of the Philippine Credit Card Industry Regulation Law, we will grant the termination, provided all purchases and cash advances made, including all interest, fees and charges incurred by the Primary cardholder and Supplementary cardholder, are fully paid and satisfied.

26. AMENDMENTS

The BANK reserves the right to change any or all of these terms and conditions. Upon notice to you, we may, at any time, and for whatever reason we may deem proper, amend, revise or modify this terms and conditions or your Credit Line.

Changes to the manner of computation of outstanding balance and the amount of fees to be imposed on you as the Cardholder, will be communicated to you prior to the implementation using the appropriate communication channels, such as e-SOA, flyers, etc. Such amendment shall bind you upon receipt of notice thereof unless you object thereto by manifesting your intention to terminate your membership in writing and surrendering the CARD within thirty (30) days from the receipt of notice of amendment. Failure to notify us of your intentions to terminate your membership and your continued use of the CARD shall be construed as your unconditional acceptance of the amendments made on this Agreement.

Other alterations, amendments or new rules, which do not involve the manner of computation of the outstanding balance and the amount of fees to be imposed on the Cardholder, shall be posted, in the BANK’s premises/branches or in the BANK’s website, and such notice shall be presumed to have been read and understood by the Cardholder and shall be binding upon the Cardholder as fully as though assented to by the Cardholder. Continued retention or use of the Card is tantamount to acceptance of/concurrence on the amendments to the terms and conditions.

27. SEPARABILITY CLAUSE

The enforceability and validity of this Agreement, in whole or in part, shall not be affected by the unenforceability or invalidity, whether temporary or permanent, of any particular provision of this Agreement because of restrictive laws, regulations or judicial or administrative determination obtained during any period of this Agreement or for any other cause.

28. CONSENT TO PROCESSING AND DISCLOSURE OF INFORMATION

You agree to the processing of personal data pursuant to your credit card application collected through our application forms or from consumer reports.

We may share information about you (except medical) within the Security Bank Group, its agents, contractors or third party service providers or our affiliates (such as, but not limited to, our partner Bancassurance Companies and their third party service providers) for any or all of the following:

(a) to process and manage your credit card and other products and services;

(b) to offer or provide other products and services to you;

(c) to protect you and the bank against fraudulent, unauthorized, or illegal transactions;

(d) in order for the bank to enforce its rights or perform its obligations by reason of any law, contract, or orders from any court or quasi-judicial and administrative offices;

(e) for credit evaluation, risk profile assessment, collection of past due payment, cross-selling or the offering of the various products and services;

(f) for other processes, campaigns, and enhancements required by Security Bank Group and its affiliates to conduct business;

(g) for the performance of the courier services by Security Bank’s agents, contractors or third party service providers.

You have read and understood Security Bank’s Privacy Notice in our website at www.securitybank.com/security-information/

29. COMMUNICATIONS

SMS. 

We may send or communicate through SMS at any time without being encrypted and may include your name and other relevant information pertaining to your account. You shall declare Security Bank free and harmless from any liability if the information contained in the SMS is accessed by person other than yourself. We do not guarantee the timely delivery and completeness of any information provided through SMS. 

TELEPHONE. 

By calling or accepting calls from Security Bank Customer Service Hotline at (632) 8887-9188, you acknowledge that we may record all your telephone conversations with us and use all these recordings against you or any third party, or replayed or communicated to any third party, for any purpose particularly as evidence in any proceeding, judicial or administrative. You further agree to waive any right under R.A. No. 4200 otherwise known as the Anti-Wire Tapping Act or any amendments thereto, or any similar law or regulation. You agree to reimburse us and our Telemarketing provider any loss, damage, cost, expenses, and fees (including legal fees on a full indemnity basis) that we or our Telemarketing provider may suffer or incur during this instance. 

ELECTRONIC EMAIL 

You agree that we may communicate with you not only via SMS or telephone but as well as Electronic Mail / Email or other communication for any information, notification or reminders for collection purposes. You agree as well that the message may be sent to you without encryption which may include your personal and card details. Further, you as the cardholder is responsible in ensuring the security of your mobile phone, email account and other electronic devices that which may be used as tool for communication. In the event that there be updates on your contact information, you should inform Security Bank of the changes immediately. 

ADDITIONAL CHANNELS. 

You must inform us of any additional channels to reach you aside from what is disclosed in the credit card application form you submitted. Changes in your home, office or mailing address, e-mail and telephone number must also be communicated to us. Non-notification, particularly if the account is past due, may lead to the presumption that your credit card has been used with intent to defraud. In case the mailing address is not accessible through mail or delivery, we have the option to use the other addresses logged in our system. Notwithstanding this provision, you agree that any communication sent to the designated mailing address shall be considered as received by you within fifteen (15) days after mailing. You, pursuant to such undertaking, authorize us, at our discretion, but without any obligation to do so, to secure information from third parties, such as but not limited to utility companies, insurers and financial intermediaries, and receive information on how you can be contacted.

30. PROMOTIONAL OFFERS

On any occasion, we may inform you about our promotional offers through mail/e-mail/fax/SMS or by telephone. We may also allow Security Bank, its branches, subsidiaries, affiliates agents, agents, and representatives and third parties selected by any of them and certain companies to offer specially selected products and services to you through mail/e-mail/fax/SMS or by telephone. For this purpose, we may transfer and disclose selected customer information to Security Bank, its branches, subsidiaries, affiliates, agents, and representatives and third parties selected by any of them and certain companies.

31. OTHER TERMS AND CONDITIONS

The terms and conditions, reminders and other provisions contained in the CARD, the e-SOA, ChargeLight Plan Contract, charge slips, Holdout Agreements forms, Card carrier and such other card documents, related instruments or documents are made integral parts hereof by reference and shall likewise be resorted to instances where they are applicable. It is agreed that the terms and conditions herein, as well as the aforementioned terms and conditions, including reminders, rules and regulations promulgated by Security Bank from time to time (the "Other Terms and Conditions") shall govern the use of the CARD and the supplementary CARD/S issued hereunder. Any alteration, amendment, exception, reservation or scribbling herein made by you or in the Other Terms and Conditions, not duly approved in accordance with our appropriate procedures, shall not be valid and binding upon Security Bank. We may, from time to time, change these Terms and Conditions for whatever reason we may deem proper, amend or revise or modify through e-SOA, publication, or such other reasonable means. Changes which do not involve the manner of computation of the outstanding balance and the amount of fees to be imposed on the Cardholder, shall be posted, in the BANK’s premises/branches or in the BANK’s website, and such notice shall be presumed to have been read and understood by the Cardholder and shall be binding upon the Cardholder as fully as though assented to by the Cardholder. Continued retention or use of the Card is tantamount to acceptance of/concurrence on the amendments to the terms and conditions.

32. OFFER AND ACCEPTANCE OF OTHER BANK PRODUCT AND SERVICES

You may avail of consumer loans or additional bank products (but not limited to auto loans, deposits, etc.) subject to the BANK's terms and conditions. In case you are qualified for availment, you hereby agree and give consent to have your existing details used for offering of products and services by the Security Bank Corporation and its Subsidiaries, at any time and at its discretion. Acceptance of proceeds of any loan released pursuant thereto shall be conclusive proof of your additional indebtedness to the BANK under the Terms and Conditions set forth by the BANK prevailing at the time the additional loan is approved.

THIS PRODUCT IS NOT A DEPOSIT. THIS FINANCIAL PRODUCT OF SECURITY BANK CORPORATION IS NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION (PDIC). 

FOR INQUIRIES AND COMPLAINTS, YOU CAN CONTACT SECURITY BANK CUSTOMER SERVICE HOTLINE AT (632) 8887-9188 OR EMAIL US AT [email protected]. 

SECURITY BANK CORPORATION IS REGULATED BY THE BANGKO SENTRAL NG PILIPINAS WITH TELEPHONE NUMBER (632) 8708-7087 AND EMAIL ADDRESS AT [email protected] 

As of February 20, 2026

Below is the table of fees and charges as of August 29, 2025. For the latest Security Bank Credit Card Fees and Charges, please visit https://www.securitybank.com/personal/credit-cards/.

Protect yourself from Fraud

We would like to remind you that Security Bank will never ask for credit card details such as your complete card number, expiry date, PIN, one-time password (OTP) and CVC (3-digit number found at the back of your card) in exchange for freebies, upgrades, waived annual fees, and other promotional offers.

Immediately report any suspicious emails, links, calls or text messages to our Customer Service Hotline at (02) 8887-9188. You may also contact your branch of account to verify the legitimacy of requests or offers.

Stay safe and protected. Visit bit.ly/SBCSecurityTips to learn more.