Credit Card FAQs

Have a question? Get your answers here.

Need help on your SOA?

Understanding your Statement of Account
security bank credit card statement of account 1. Indicates your billing address. 2. Indicates your Card Number. Statement date is the Statement Cut-off. 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 owed to your card. Minimum Amount Due – Minimum amount that can be paid to keep the account from going into default. 4. Rewards Points – Summary of your rewards. 5. This section summarises your transactions made during this statement period including payments and purchases. 6. This section lists all your transactions during this statement period.

Statement of Account

How do i inquire about my balances?
You can get your monthly balances through: The self-serve menu at (02) 8887-9188 Printed Statement of Account (SOA) Electronic Statement of Account (eSOA) Security Bank Online 24-Hour Customer Contact Center at (02) 8887-9188
Where can I pay my credit card?
You can view all our Payment Centers here.
What should I do if I do not receive my statement of account?
You may check your balances via online banking or eSOA. For assistance you may also contact our 24-Hour Customer Contact Center at (02) 8887-9188.
How much is the minimum payment required?
The minimum amount due is 4% of your total revolvable transactions plus all non-revolvable transactions, or Php500, whichever is higher. For World Mastercard, minimum amount due is 5% of your total revolvable transactions plus all non-revolvable transactions, or Php500, whichever is higher.
Where can I get my statement of account?
For electronic statements (eSOA), you will receive on your registered email 3-5 days after your cutoff. For printed copies, you will receive at your billing address within 7-10 days after your cutoff.
What is the benefit of paying only the Minimum Amount Due? Total Amount Due?
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.
What is the difference between due date and statement date?
What is the difference between due date and statement date? Your statement date refers to your cut-off date. The due date is 21 days after your cut-off date.
How is interest charge computed?
Any unpaid balance from the previous month (Total Amount Due less Amount Paid), interest charge is applied to that balance. The interest is based on the Average Daily Balance for that month. The monthly interest for all card types is 3.5%
What will happened if I missed the payment on my credit card?
A late payment fee of PHP600 or 6% (all card types except World) / PHP500 or 7.5% (World) of the minimum amount due 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.
Is there a grace period if I pay a day or two after my due date?
No. Should your due date fall on a weekend or holiday, we suggest you settle your payables before your due date so as to avoid incurring late payment fees and interest charges.
How do I enroll my credit card to electronic statement?
To enroll in our electronic Statement of Account, you may fill out our online form or you may call our hotline at 8887-9188.

Credit Card Activation via SMS

How do I activate my new Security Bank Mastercard via SMS or text?
You may activate your new Security Bank Mastercard using your registered mobile number by texting the following: SBCARDS[space]ACTIVATE[space]Birthday[mmddyy]/Expiry Date(mmyy)/<last four digits of your card number> and send to 2086 for Globe & TM Subscribers and 4629 for SMART & TNT Subscribers. Example: SBCARDS ACTIVATE 052274/1223/6813
Who can activate their credit cards via SMS?
Primary cardholders and supplementary cardholders can activate their own credit cards via SMS.
Can I use any of my mobile numbers to activate my card?
You can only use the mobile number that you registered upon application. If you changed your mobile number, you need to call our Customer Service Hotline at (02) 8887-9188 to update your contact details.
Is this SMS facility available for all mobile subscribers and networks?
This SMS facility is only available to Security Bank Cardholders with registered SMART, Globe, TM, and TNT mobile numbers. Below are the short code numbers to use per mobile network for credit card activation: Send to 4629 for SMART and TNT subscribers Send to 2086 for Globe and TM subscribers
Is there a fee if I activate my card via text?
You will only be charged by your mobile network with a Php1 fee for the text message. No fees will be charged by Security Bank for using this SMS facility for activation.
How do I confirm if my activation was successful?
You will receive an SMS reply to confirm that your card activation was successful.
Why didn’t I receive an SMS reply even after texting the keywords for Activation?
If you did not receive an SMS reply, the following scenarios are possible:

  1. You may have entered an invalid keyword or cardholder detail. In this case you need to check and ensure that correct format and details are entered.
  2. You may have used an invalid short code number. In this case, you need to check and ensure that you use the correct short code number based on your mobile network.

Correct short codes numbers for SMS activation are as follows: 4629 for SMART and TNT subscribers 2086 for Globe and TM subscribers

Are there other ways to activate my card?
Aside from activation via SMS or text, you may also activate your card by calling our Customer Service Hotline at (02) 888-79188.

Credit Card Balance Inquiry via SMS

Can I check my credit card balance via SMS or text?
Yes, you may inquire the following credit card balances via text:

  • Available Credit Limit
  • Outstanding Balance
  • Total Amount Due and Minimum Amount Due
Who can access the balances via SMS?
Only Primary Cardholders can access credit card balances via SMS.
How do I check my credit card balance via SMS?
You may inquire your Security Bank Mastercard’s balance using your registered mobile number by texting the following: For Available Credit Limit: SB[space]ACL <last 4 digit of your card number> then send to 4629 for Smart and 2086 for Globe Example: SB ACL 6813 For Outstanding Balance: SB[space]OB <last 4 digit of your card number> then send to 4629 for Smart and 2086 for Globe Example: SB OB 6813 For Total Amount Due and Minimum Amount Due: SB[space]TADMAD <last 4 digit of your card number> then send to 4629 for Smart and 2086 for Globe Example: SB TADMAD 6813
Can I use any of my mobile numbers to inquire my card balance?
You can only use the mobile number that you registered upon application. If you changed your mobile number, you need to call our Customer Service Hotline at (02) 888-79188 to update your contact details.
Is the SMS facility available for all mobile subscribers and networks?
This SMS facility is only available to Security Bank Cardholders with registered SMART, Globe, TM, or TNT mobile numbers. Below are the short code numbers to use per mobile network for credit card balance inquiries: 4629 for SMART and TNT subscribers 2086 for Globe and TM subscribers
Is there a fee if I inquire my credit card balance via text?
You will only be charged by your mobile network with a Php1 fee for the text message. No fees will be charged by Security Bank for using this SMS facility for balance inquiry.
Why didn’t I receive an SMS reply even after texting the keywords for ACL, OB, and TADMAD inquiry?
If you did not receive an SMS reply, the following scenarios are possible:

  1. You may have entered an invalid keyword or cardholder detail. In this case, you need to check and ensure that correct format and details are entered.
  2. You may have used an invalid short code number. In this case, you need to check and ensure that you use the correct short code number based on your mobile network.

Correct short codes numbers for SMS balance inquiry of ACL, OB and TADMAD are as follows: 4629 for SMART and TNT subscribers 2086 for Globe and TM subscribers

Are there other ways to check my credit card balance?
Aside from balance inquiry via SMS or text, you may also check your credit card balance by calling our Customer Service Hotline at (02) 888-79188.

What you can do with your credit card

How do I avail of Cash Advance? How much can I avail?
Maximum amount that can be availed: Depends on the Cash Advance limit and available credit limit on your account. You may refer to your latest Statement of Account for your available cash advance limit. Availability of your cash advance limit will be updated on your next cut-off date after payment has been posted.

Minimum amount that can be availed: 500.00 

Security Bank Cash Advance transactions are subject to:

  • Availment fee of Php500 or 5% of the cash advance amount, whichever is higher (Applicable to Classic, Gold and Platinum Mastercard)
  • Availment fee of Php500 or 3% of the cash advance amount, whichever is higher (Applicable to World Mastercard)
  • And if applicable, an Over-the-Counter (OTC) fee of P500 per transaction.

Ways in availing Security Bank Cash Advance:

    • ATM
      • Any Security Bank ATMs – 10,000 withdrawal limit per transaction and up to maximum available Cash Advance limit on your account.
      • Other bank ATMs – maximum withdrawal limit per transaction is based on other bank’s withdrawal limit but not exceeding to the available Cash Advance limit on your account.
    • Over-the-Counter (OTC) on any Security Bank branches – up to 30,000 maximum withdrawal limit per day.
Can I use my credit card for installment purchases?
Yes. You may use your cards for installment purchases, with minimum of PHP5,000 for 3, 6, 9, 12, 18, or 24 months. We also have merchants with 0% installment.
Can I request for a credit card limit increase?
Yes. You may request for an increase in credit limit if you have owned a Security Bank Credit Card for at least 12 months. Your request will be evaluated based on additional documents that you need to submit (at least one): Latest ITR Last 3 months payslip Certificate of Employment
Can I tranfer balances from my other credit cards to my Security Bank Credit Card?
Yes. You may transfer your other credit card balances via Security Bank’s balance transfer service. To avail, click here.
To enrol your credit card to online banking, you need to create an account here. Activation can be done:  Via any Security Bank ATM with your Cash Advance PIN. Print & send the scanned form to SB Cards via email or to any Security Branch branch. Your account will be ready for use within 5 to 7 banking days from activation.
Can I use my Security Bank credit card overseas?
Yes, as long as the merchant accepts MasterCard.
Can I pay for my utility bills using my Security Bank credit card? How do i enrol?
Yes, you can consolidate all your monthly utility bills (e.g. electricity, water, cable, etc.) through Bills Assist. Monthly billings will be automatically charged to your Security Bank credit card. Bills Assist transactions also earn rewards points (except Meralco and PLDT). To enroll, click here.  Note: Complete Cash Back MasterCard credit cards do not earn points.
How will I be notified of card promotions or events?
There are regular e-mail blasts to be sent to your registered e-mail address. New promos may also be found on your monthly Statement of Account and our Promos & Events Page

Rewards

How do I earn Rewards points?
You will earn 1 Rewards Point for every P20 usage on your card. Points earned can be used to redeem rewards items such as airline miles, hotel miles, and donations. They do not expire.
How many Rewards Points have I earned?
Your total rewards points are reflected in your monthly statement of account.
What can I redeem points? How do I redeem?
You can view & redeem your Rewards Point online. Another option is to redeem your points through our Customer Service Hotline.

Security & Privacy

What should I do if I lose my Credit Card?
Report immediately by calling our Customer Service Hotline.
Will be notified every time I use my Credit Card?
No. You will only be notified if there any unusual or out-of-pattern transactions made on your card. We will then request for your confirmation of the transaction to ensure that these are authorized by you.
What is CVV number?
Your CVV number is located at the back of your card. It is the 3-digit code on the signature panel. It is mainly used for online or mail order/telephone order purchases. We highly recommend you do not divulge this number to anyone.

Usage of Complete Cashback card

Is there a specific gas company/brand offering rebates for my Security Bank Complete Cashback Mastercard?
No specific gas company/brand. All are qualified for rebate so long as the merchant falls under the Gas MCC Code 5541, as determined by their acquiring banks.
Is there a minimum spend requirement to get the cashback?
No, there is no minimum required spend.You earn rebates regardless of how much you spend.
For utilities, do I need to go to the merchant to have my card swiped at Point of Sales (POS)?
Yes, all transactions for utilities must be swiped at the merchant’s POS.
Are online transactions eligible for rebates?
No, online transactions are not qualified. Only swiped transactions where card is physically present are eligible to earn rebates.
Are overseas transactions qualified?
No only local retail transactions are qualified for cashback.
Are in-store installment purchases qualified to earn rebate?
Yes. Rebates will be awarded as and when the amortization is billed.
Are utilities enrolled in Bills Assist qualified to earn rebate?
No. Utilities enrolled to Bills Assist are not qualified for cashback.
Meralco does not accept over-the-counter or swiped transactions so how can I earn the rebate?
While Meralco falls under a qualified MCC, card acceptance ultimately lies with the merchant similar to all credit card transactions.

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