Non-expiring rewards points and exclusive
promos with your new favorite credit card.
Use your Security Bank MasterCard
to pay for your shopping.
Accumulate rewards points as you
use your favorite credit card.
Earn 1 Point for every P20 spent and use them anytime you want
Earn enough points and start redeeming rewards online!
Your Mastercard comes with SecureCode – a security feature set to require one-time-password (OTP) when you transact online.
Shop at ease with affiliated merchants worldwide.
Get up to 5 cards and manage your family’s finances.
Give it a try and get the annual fee waived for the first year.
SECURITY BANK CREDIT CARD TERMS AND CONDITIONS
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.
You are required to inform us of any changes in your contact details and/or billing address.
The overlimit fee amounting to PHP 500 will be added to the Minimum Amount Due. The following threshold limits for charging of overlimit fee shall apply:
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 SOA 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 Amount x [1+(Converted Monthly Factor Rate x 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.
The stipulated interest shall accrue on all charges that remain unpaid after the last day as stated in the monthly statement of account. This will be computed using the average daily balance method. 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 statement of account (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:
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.
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 reversal amount since the reversal amount shall be computed based on the prevailing rate at the time when it is reversed.
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.
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 OUR 24-HOUR 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 April 19, 2021
To view complete FAQs, go here
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, items, electronic gift certificates. They do not expire.
Note: Complete CashBack MasterCard do not earn points.
Where can I check how many Rewards Points I have earned?
Your total rewards points are reflected in your monthly statement of account.
Where can I redeem with my rewards points? How do I redeem?
You can view our rewards catalogue and redeem your rewards online. Another option is to redeem your points through our Customer Service Hotline at (02) 8887-9188.
What is the income required to have a Complete Cashback Credit Card?
To apply for a Complete Cashback Credit Card, the applicant must have a minimum gross annual income of Php 360,000.
Who can and cannot apply?
Everyone (except for Security Bank employees) can apply for the Complete Cashback provided that they meet all the eligibility requirements for a Security Bank credit card.
For gas, is there a specific gas company/brand?
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 rebate.
Are overseas transactions qualified?
No, only local retail transactions are qualified for cashback.
Are in-store installment purchases qualified to earn rebates?
Yes, rebates will be awarded as 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.
Do I earn rebates on insurance companies, hospitals?
No, health and service providers are not qualified Merchant Category.
Where do I get the rebate?
The rebate will be credited to your account. Rebates on qualified purchases posted from 13th of the previous month to 12th of the current month will be reflected in your current month SOA. e.g. Rebate on qualified purchase posted on Nov 13 will be reflected on your Dec SOA Rebate on qualified purchase posted on Nov 12 will be reflected on your Nov SOA.
Is there a cap on the rebate?
Yes, the maximum cap is Php 1,000 monthly.
Is there a separate cap for my supplementary?
No, the principal cardholder and the supplementary card/s share the same cap.
Can I get my rebate in cash?
No, rebates are not convertible to cash nor can it be transferred to your other card.
Are pharmacies included in the rebate?
Since most pharmacies identified by their MCC code to be shopping, you are likely to earn a 1% rebate.
Do I have to call to redeem my rebate?
There’s no need to call. Your rebate will be automatically credited to your account.
What is Cash Advance?
Cash Advance is a credit card facility that lets you withdraw money here or abroad.
You may choose to avail of Cash Advance via Security Bank or BancNet ATMs. You may also do over-the-counter transaction at selected Security Bank branches for a minimal fee. To request for CA PIN, please call our Customer Service Hotline at (02) 8887-9188.
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 Security Bank Online for your updated available Cash Advance available 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:
Ways in availing Security Bank Cash Advance:
When will the Cash Advance Limit be updated?
The replenishment of our Credit Limit will take effect every after posting of payment.
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.
Can I request for a credit 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):
You may request for a credit limit increase online here.
Can I transfer balances from my other credit cards to my Security Bank credit card?
Yes, we offer our Balance Transfer program at regular rates year-round. You can transfer balances from pretty much any credit card in the Philippines including your BDO credit card, BPI credit card, Citibank credit card, or Metrobank credit card. You may also check out our Balance Transfer Page for more details.
Can I use my Security Bank credit card overseas?
Yes, as long as the merchant accepts Mastercard.
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 pay for my utility bills using my Security Bank credit card? How do I enroll?
Yes, you can consolidate all your monthly utility bills (e.g. electricity, water, cable, etc.) through the 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). 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.
What is Single Limit?
Single Limit is the total credit limit assigned to you across all your Security Bank credit cards. It is the maximum amount that a cardholder can spend on any of the cards, provided that the sum of the outstanding balances on all of the cards does not exceed the Single Limit.
What happens to my due payment date?
The due date of your credit cards will remain the same. This means that you have the flexibility to exhaust your Single Limit on the card that has the most convenient due date for you. It empowers you to match your spend to your lifestyle by choosing which card you want to exhaust the limit on (without the need to submit additional requirements)—whether it’s Complete Cashback, Rewards Mastercard, or Next Mastercard.
How do I request for credit limit increase?
If you find that the credit limit currently provided to you is insufficient, you may request for a credit limit increase through the hotline at (02) 8887-9188. Please note that your request will still be subject to verification and approval based on the income documents that you will provide.
What should I do if I lose my credit card?
IMMEDIATELY call SBC’s 24-Hour Customer Contact Center at (02) 8887-9188 to report a lost or stolen card & and request for card replacement.
Will I be notified every time I use my 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 the CVV number?
The CVV number is the last 3-digit number located at the back of your card, on your 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.
Below is the table of fees and charges as of April 5, 2021
|Annual Membership Fee Primary||PHP 2,000||PHP 2,000||PHP 3,000||PHP 2,500||No annual fee||PHP 4,000||PHP 5,000|
|Annual Membership Fee Supplementary||N/A||PHP 1,000||PHP 1,500||PHP 1,500||No annual fee||PHP 2,500||First supplementary card: waived for life. Succeeding supplementary cards: PHP 2,500|
|Interest||2% per month|
|Late Payment Fee||6% of the minimum amount due or PHP 600 (USD 12), whichever is lower|
|Cash Advance Fee||PHP 200 or USD 4 per transaction1|
|Over the Counter Processing Fee||PHP 500 per transaction|
|Chargelight Plan Pre-Termination Fee||5% of unbilled portion of the principal amount|
|Charge Slip Retrieval Fee||PHP 400 per sales slip|
|Lost Card Fee/Card Replacement Fee||PHP 400 per card|
|Card Certification Fee||PHP 200 for full statement of account PHP 300 for good credit standing||Free for the first request PHP 150 for succeeding request|
|Returned Check Fee||PHP 1,250 for Peso per returned check or USD 25 for Dollar per returned check|
|Statement of Account Retrieval Fee||PHP 50 per page if requested billing statement is more than 3 months old|
|Foreign Exchange Transactions||All charges, advances, or amounts in currencies other than Philippine Peso (PHP) shall be converted to PHP. For dual currency, all charges, advances, or amounts in currencies other than Philippine Peso (PHP) shall be billed in US Dollar (USD). All transactions will be converted using Mastercard’s currency conversion rate at the time of posting. All converted transactions shall be charged with 1% Mastercard assessment fee and 1.5% service fee, of the rates of which may be adjusted from time to time. The service fee shall likewise apply to transactions involving foreign currencies converted to PHP at point of sale, whether executed in the Philippines, abroad, or online. Service fees may also be charged to cover costs incurred to discharge the amount(s) due to Mastercard and/or acquiring bank and/or foreign merchant affiliates.|
|Minimum Amount Due||3% of total amount due or PHP 500 (USD 10), whichever is higher|
|Overlimit Fee2||PHP 500 per occurrence|
|ADA Fee||PHP 250 for Peso Account, if ADA account has insufficient funds. USD 5 for Dollar Account, if ADA account has insufficient funds.|
|Account Maintenance Fee||PHP 250 or amount equivalent to the credit balance whichever is lower will be charged to the accounts with credit balance that are closed or with no activity for the past 12 months. USD 5 or amount equivalent to the credit balance whichever is lower will be charged to the accounts with credit balance that are closed or with no activity for the past 12 months.|
|Multiple Payment Fee||N/A||PHP 50 or USD 1 will be charged for every payment in excess of 2 payments within a billing cycle|
|Payment Transfer Fee||PHP 100 if transferring from a peso account USD 2.5 if transferring from a dollar account|
|Refund Fee||PHP 500 for any amount PHP 1,000 and above PHP 200 for any amount below PHP 1,000|
|Quasi-cash Fee3||2.5% of transacted amount|
|Change in credit card statement cut-off fee4||Effective July 15, 2021: Php 2,000|
|1Cash Advance made overseas shall be subject to the fees of the servicing foreign franchise or bank.
2Overlimit fee shall be charged for card usage beyond the approved credit limit. Please refer to Credit Cards Terms and Conditions for the full description.
3Quasi-cash fee will be applied on gaming/gambling transactions and/or transactions made at gaming/gambling establishments, including the placement of wagers, purchase of lottery tickets, gaming chips, as well as any other values in conjunction with any gaming or gambling activity.
4Change in credit card statement cut-off fee shall be charged for every request to change your Security Bank Credit Card’s Statement Cut-off.
*Next Mastercard feature is auto-installment. Please refer to Supplemental Terms and Conditions for Next Mastercard for the full description. This product is not a deposit.
This financial product of Security Bank Corporation is not insured by the Philippine Deposit Insurance Corporation (PDIC).
*Click here for full list of fees.