Pay the way you want and enjoy moments that come with it

when you Pay Later in easy monthly installment with your Security Bank credit card.

Pay Later in 3 easy steps

Go to your favorite merchant and look for the Pay Later Logo

Choose the tenor you want (Avail up to 12 months)

*subject to merchant’s approval

Get your purchased item!

Partner Merchant

Frequently Asked Questions

1. What is Pay Later?

Pay Later is a new feature of your Security Bank Mastercard credit card that allows you to purchase items in easy monthly installments at zero (0%) interest* from our affiliated partner stores nationwide.

*Merchants have sole discretion on the terms and items applicable for Pay Later.
**Minimum spend for the installment purchase amount may vary per term and partner merchants.

2. Who can avail of Pay Later?

Anyone with an active Security Bank Rewards Mastercard credit card, regardless of card type, can avail of Pay Later.

3. Where can I avail of Pay Later?

There is no need to sign up or apply anywhere. Simply shop at any of our partner merchants that offers Pay Later and inform the cashier when you are ready with your purchase.

4. How will I know if Pay Later is being offered by the merchant/store?

Pay Later is available nationwide.  Simply look for the Pay Later logo at the store or check the list here for the latest partner merchants.

For other merchants, please see Annex A.

5. How can I avail of Pay Later?

To avail of Pay Later, refer to the following guidelines below:

  • Look for the Pay Later logo at your favorite store or check the latest list of partner merchants here.
  • Shop for the item you want to buy.
  • Inform the cashier/frontliner that you want to avail of Pay Later. Make sure to inform them before you swipe/dip/tap!
  • Choose your preferred installment payment terms.
  • Complete the transaction using your Security Bank credit card.

6. How much can I avail through Pay Later?

A minimum spend of PHP3,000 in a single or accumulated transaction is required, unless the partner merchant states otherwise.

There is no maximum amount that can be spent as long as your credit limit allows you to.

7. How many terms are available for Pay Later?

You may choose from 3, 6, or 12 installment terms* for a minimum spend** of PHP3,000 in a single or accumulated transaction.

*Merchants have sole discretion on the terms and items applicable for Pay Later.
**Minimum spend for the installment purchase amount may vary per term and partner merchants.

8. How do I compute for my Monthly Amortization?

To compute for your Monthly Amortization:

Pay Later 0% Interest Installment

Monthly Amortization = Item Purchased Price / Term

Sample Installment Computation:

Monthly Amortization = PHP25,000 / 12 Months = PHP2,083.33

Item Purchased Price                   PHP25,000

Term                                                   12 Months

Monthly Amortization                 PHP2,083.33

9. What are the fees and charges?

The cardholder incurs no additional fees for using the Pay Later facility. You can avail of a Pay Later at 0% interest*, and the purchased amount will be divided by the installment term you choose.

However, if the cardholder wishes to terminate their Pay Later, they will be charged a 5% pre-termination Fee on the remaining principal amount.

*Merchants have sole discretion on the terms and items applicable for Pay Later.

**Minimum spends for the installment purchase amount may vary per term and partner merchants.

10. When will I be billed for my first Monthly Amortization for my Pay Later Installment?

The first monthly amortization will be reflected on your next cut-off date once the transaction is posted.

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