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. 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.

Statement of Account

Where can I check my credit card balances?
Your latest credit card balance can be viewed in your Printed/Electronic Statement of Account (eSOA) or thru Security Bank Online (SBOL).

You can 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 by sending a text to 2086 (for Globe & TM Subscribers) or 4629 (for SMART & TNT Subscribers) in the following format: SB[space]OB then send to 4629
    Example: SB OB 6813
Where can I get my Statement of Account?
For electronic statements (eSOA), you will receive them in your registered email 3-5 days after your cut-off. For printed copies, you will receive them at your billing address within 7-10 days after your cut-off.
How do I enroll my credit card to electronic Statement of Account (eSOA)?
To enroll in our electronic Statement of Account (eSOA), you may fill out our online form or call our Customer Service Hotline at (02) 8887-9188.
What should I do if I do not receive my Statement of Account?
You may check your balances via online banking or eSOA. For further assistance, you may also contact our Customer Service Hotline at (02) 8887-9188.
Where can I pay my credit card dues?
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.

How do I pay my billing statement in US Dollars? (for dual currency billings)
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.
How much is the minimum payment required?
The minimum amount due is PHP500 (USD10) or 3% of total outstanding balance, whichever is higher.
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.
How is interest charge computed?
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. The monthly interest for all card types is 2%.
What will happen if I miss a payment in my credit card?
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.
What is the difference between due date and statement date?
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.
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 to avoid incurring late payment fees and interest charges.
How soon will my credit card payment be posted?
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.

Credit Card Activation via SMS

How do I activate my new Security Bank Credit Card via SMS?
You can activate your new credit card by sending an SMS using your registered mobile number. Send it to 2086 (for GLOBE and TM) and 4629 (for SMART and TNT) using the following format:

SBCARDS[space]ACTIVATE[space]Birthdate(mmddyy)/ExpiryDate(mmyy)/(last four digits of your card number)

Example: SBCARDS ACTIVATE 052274/1217/6813

Who can activate their credit cards via SMS?
Primary Cardholders and Supplementary Cardholders can activate their own SBC Credit Card using their registered mobile number via SMS.
Can I use any of my mobile numbers to activate my credit card?
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.
Is the credit card activation feature via SMS available to all mobile subscribers and networks?
This SMS facility is only available to all Security Bank Cardholders with registered SMART, Globe, TM, and TNT mobile numbers. 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
Is there a fee if I activate my credit card via SMS?
Yes, your mobile network will charge you PHP1 for sending the text message. However, no fees will be billed on your SBC credit card statement for using this SMS facility for card activation.
How will I know if my activation was successful?
You will receive an SMS notification to confirm that your card activation was successful.
Why didn’t I receive an SMS notification after sending the card activation keywords?
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

Are there other ways to activate my card?
Aside from card activation via SMS you may also activate your card by calling our Customer Service Hotline at (02) 8887-9188.

Credit Card Balance Inquiry via SMS

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

  • Available Credit Limit
  • Outstanding Balance
  • Total Amount Due and Minimum Amount Due
How can I inquire my credit card balance via SMS?
You may inquire your SBC Credit Card’s balance by sending an SMS using your registered mobile number. Send it to 2086 (for GLOBE and TM) and 4629 (for SMART and TNT) using the following format:

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

Who can access the credit card balance via SMS?
Only Primary Cardholders can access their credit card balances via SMS using their registered mobile number.
Can I use any of my mobile numbers to inquire my credit card balance?
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
Is the credit card balance inquiry feature via SMS available to all mobile subscribers and networks?
This SMS facility is only available to all Security Bank Cardholders with registered SMART, Globe, TM, and TNT mobile numbers. 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

Is there a fee if I inquire my credit card balance via SMS?
Yes, your mobile network will charge you PHP1 for sending the text message. However, no fees will be billed on your SBC credit card statement for using this SMS facility for card balance inquiry.
Why didn’t I receive an SMS reply after sending the keywords for ACL, OB and TADMAD 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.
Are there other ways to check my credit card balance?
Aside from balance inquiry via SMS, you may also check your credit card balance by calling our Customer Service Hotline at (02) 8887-9188.

What you can do with your credit card

What is Cash Advance?
Cash Advance is a credit card facility that lets you withdraw money here or abroad through an ATM using your Cash Advance PIN. You may choose to avail of Cash Advance via Security Bank or BancNet ATMs. You may also do over-the-counter transactions at selected Security Bank branches for a minimal fee.
How much can I avail?
The minimum amount that can be availed is PHP500 while the maximum amount that can be availed depends on the Cash Advance Limit and Available Credit Limit in your Account. You may refer to your Security Bank Online for your updated Cash Advance available limit. Your cash advance limit is updated on your next cut-off date after payment has been posted.

Security Bank Cash Advance transactions are subject to:

  • Cash Advance Fee of PHP 200 or USD 4 per transaction
  • And if applicable, an Over-the-Counter (OTC) Processing fee of PHP500 per transaction.
How do I avail of Cash Advance?
You may choose to avail of Cash Advance via the following options below:

  • ATM
    • Any Security Bank ATMs – PHP10,000 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 the available Cash Advance limit on your account.
  • Over-the-Counter (OTC) on any Security Bank branches – up to PHP30,000 maximum withdrawal limit per day.
How do I get a Cash Advance PIN?
To request for a Cash Advance PIN, please visit https://www.securitybank.com/personal/credit-cards/services/.
When will the Cash Advance Limit be updated?
Your cash advance limit is based on the availability of your credit limit. Replenishment of your credit limit takes effect every after posting of payment
Can I use my credit card overseas?
Yes, you may use your credit card 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.
Can I use my credit card for installment purchases?
Yes, you may use your cards for installment purchases at participating merchants. Click here for the list of merchants, https://www.securitybank.com/ongoing-zero-percent-installment/
Can I use my credit card to pay for online purchases?
Yes, you may use your Security Bank credit card for online purchases – at any merchant that accepts Mastercard.
Can I transfer 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 apply for the Balance Transfer program, simply go to https://www.securitybank.com/installment-and-payments/balance-transfer/.
Can I pay for my utility bills using my Security Bank credit card? How do I enroll?
Yes, with Bills Assist you can consolidate all your utility bills (e.g., water, electricity, cable, etc.) and we bill you in just ONE due date. 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 Cashback and Next Mastercard credit cards do not earn points.

How can I request for a credit limit increase?
You may request for an increase in credit limit if you have 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 slip / 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.

How will I be notified of card promotions or events?
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 our Promos and Events Page: bit.ly/botCardPromos.

Rewards

What is Credit Card Rewards?
Credit Card Rewards is a program that allows you to accumulate reward points whenever you use your Security Bank credit card and convert them into exciting products or deals.

From the latest gadgets, flyer miles, dining and shopping deals, to even waived fees, you can get the most out of your points with Security Bank credit card rewards. Redeem your points and choose from a wide variety of products, services and exclusive deals.

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

How do I earn Rewards points?
You will earn 1 Rewards Point for every PHP20 usage in your card. Points earned can be used to redeem rewards items such as airline miles, items, electronic gift certificates. Points do not expire. Click here to visit our rewards page:https://www.securitybank.com/rewards/.

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

Where can I check how many Rewards Points I have earned?
You can check your total rewards points in your monthly electronic Statement of Account (eSOA).
Where can I spend my Rewards Points?
You can redeem or claim your rewards thru our Rewards Catalogue (click here).
How do I redeem my points?
Simply visit our Rewards Catalogue (click here) and select the items you wish to claim. When you’re done, view your cart and proceed to checkout. Enter the card account information required, then click “Redeem”.

eGC redemptions will be sent to the registered mobile number in our records, while reward items will be delivered to your registered address.

To avoid any inconvenience, please make sure you have enough rewards points for the items you will redeem.

Security & Privacy

What should I do if I lose my Credit Card?
If you are trying to report a lost or stolen credit card, please contact us through the Security Bank Facebook page via our Chatbot to have your card immediately blocked, and to request for a replacement. Alternatively, you may report a lost or misplaced credit card, or request for a replacement through any of the following channels:

  • 24/7 Customer Service Hotline at (02) 8887-9188
  • At 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 the customer’s registered delivery address.

What is the CVV number?
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 and never divulge this number to anyone.
What is Customer Level Limit?
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 SBC credit cards, provided that the total outstanding balance of all your cards does not exceed the Customer Level Limit.
To illustrate:To illustrate:

Card Customer Level Limit Purchases Available Limit
Next Mastercard PHP50,000 PHP4,000 PHP36,000
Mastercard Gold PHP10,000

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 in either card, it reduces the available credit limit on both cards.

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

Will the Customer Level Limit affect my statement cut-off date?
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 or Rewards Mastercard.
Will I be notified every time I used my credit card?
No. You will only be notified if there are any unusual or out-of-pattern transactions made in your card. We will then request for your confirmation of the transaction to ensure that these are authorized by you.

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