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Enjoy a lower monthly add-on rate and get a Pluxee Gift code when you convert an eligible straight purchase transaction into an installment through Convert to ChargeLight and meet the minimum qualifying single-receipt purchase amount for your selected installment term.

Eligibility:  

The promo is open to select Principal Cardholders who have received a promo invitation through Security Bank-approved communication channels and hold any of the following eligible cards:

• Security Bank Wave Mastercard
• Security Bank Gold Mastercard
• Security Bank Platinum Mastercard
• Security Bank World Mastercard

Promo Period: November 12, 2026 to February 10, 2027

Promo Offer: 

Eligible Principal Cardholders who successfully convert a qualifying single-receipt straight purchase transaction into an installment through Convert to ChargeLight at a lower monthly add-on rate may receive a Pluxee Gift code based on the selected installment term and the corresponding minimum qualifying transaction amount.

*Only the first qualifying single-receipt straight purchase transaction successfully converted into an installment during the Promo Period shall be eligible for the Gift code reward. Each eligible Principal Cardholder may receive only one (1) Gift code throughout the Promo Period, regardless of the number of subsequent qualifying transactions.

1. To qualify for the promo, the Principal Cardholder must successfully convert an eligible straight purchase retail transaction into an installment through Convert to ChargeLight during the Promo Period. The transaction must meet the minimum qualifying purchase amount corresponding to the selected installment term and is subject to the Bank’s applicable eligibility requirements, evaluation, and approval.
2. The qualifying transaction must meet all the following requirements:
   • It must be a single-receipt straight purchase retail transaction amounting to at least the minimum qualifying purchase amount corresponding to the selected installment term. Local and international retail transactions made over-the-counter or online are eligible.
   • The transaction must have been posted to the Cardholder’s account within thirty (30) calendar days before the conversion date.
   • The Convert to ChargeLight must be filed via Security Bank dedicated webform at least five (5) business days before the Cardholder’s Statement of Account (SOA) cut-off date.
   • The transaction must be successfully converted into an installment at a lower monthly add-on rate.
3. Only the first qualifying single-receipt straight purchase transaction successfully converted into an installment during the Promo Period shall be considered for the Gift code reward. Subsequent conversions shall not qualify for additional Gift code rewards, regardless of the transaction amount or selected installment term.
4. For USD-denominated transactions, the Philippine Peso equivalent shall be based on the applicable credit card conversion rate on the date the Convert to ChargeLight application is processed. For purposes of this promo, processing refers to the completion of the application evaluation and the point at which the conversion of the eligible straight purchase transaction into an installment may proceed.
5. The following transaction types are not eligible for conversion under Convert to ChargeLight and shall not qualify for this promo:
   • Cash Advance transactions b. Fees and other charges
   • Existing installment amortizations
   • Continuous Billing and Bills Assist transactions
   • Disputed Transactions
   • Financial Services and Quasi-Cash transactions
   • Gaming and Gambling transactions
   • Government Services transactions
   • Transactions involving non-governmental organizations (NGOs) and political organizations
6. Only transactions made by the Principal Cardholder shall be considered for this promo. Transactions made by Supplementary Cardholders are excluded.

1. Qualified Cardholders who have successfully fulfilled all promo requirements within the Promo Period shall receive their Gift code reward and a notification via SMS and/or email from Security Bank, according to the following schedule:
   

   Date of Convert to ChargeLight Qualification	Pluxee Gift Code Reward Notification
   November 12 to December 31, 2026	January 2027
   January 1 to February 10, 2027	March 2027

2. The Cardholder’s Security Bank Credit Card account must remain open, active, and in good credit standing at the time of validation and reward fulfillment.
3. Only one (1) Gift code reward may be awarded per qualified Cardholder during the Promo Period. The reward amount shall be determined by the first qualifying single-receipt straight purchase transaction successfully converted into an installment under this promo. Subsequent transactions, regardless of amount or installment term, shall no longer qualify the Cardholder for an additional Gift code reward.
4. The Gift code must be redeemed within sixty (60) calendar days from the date of the reward notification. Any Gift code not redeemed within the prescribed period shall expire and be forfeited without further notice.
5. Gift code shall be issued in fixed denominations corresponding to the applicable reward tier under the Promo Offer. Any unused balance after redemption shall be forfeited and shall not be refundable, reusable, or convertible to cash or any other form of payment.
6. The Gift code is non-transferable, non-refundable, and not convertible to cash. Lost, stolen, deleted, damaged, or expired Gift code shall not be replaced.

1. The promo period is from November 12, 2026 to February 10, 2027.
2. The Principal Cardholder is responsible for ensuring that their contact information, including their mobile number and email address, is updated in Security Bank’s records.
3. The Bank reserves the right to validate all qualifying transactions and verify compliance with the promo eligibility requirements before awarding the Gift code.
4. The Bank reserves the right to withhold, cancel, or recover the Gift code reward if a qualifying transaction is subsequently determined to be disputed, cancelled, refunded, reversed, fraudulent, invalid, or otherwise ineligible under these Promo Terms and Conditions. The Cardholder shall be notified accordingly.
5. This promo cannot be availed of in conjunction with any other Security Bank promotion, discount, offer, rebate, privilege, or similar campaign, unless otherwise expressly stated.
6. The Bank reserves the right to approve or decline any Convert to ChargeLight application, subject to the Bank’s applicable policies, eligibility requirements, evaluation, and approval process.
7. For inquiries regarding this promo, Cardholders may contact the Security Bank Customer Service Hotline at (+632) 8887-9188 or send an email to [email protected].
8. In case of disputes relating to this promo, including but not limited to eligibility, coverage dates, and reward fulfillment, the decision of Security Bank, with the concurrence of DTI, shall be final.
9. The Terms and Conditions governing the issuance and use of Security Bank Credit Cards shall apply and form an integral part of these Promo Terms and Conditions.