Click Mastercard

Get up to 5% cash back with your online credit card–rebates on shopping online, travel, and more!

How Click Card works

How Click Card works

Get up to 5% rebate* on your online purchases–credited instantly!

Just use your credit card to book your plane ticket, hotel or buy an item from your favorite qualified online store.

Earn a 0.30% regular rebate monthly when you use your Click card Mastercard in store.

*Subject to minimum instore purchase of P15,000 and maximum online purchase of P15,000.

Features and Benefits

Features and Benefits

Reliable Monthly Rebates

Automatically credited to your account.
No need to redeem!

Bonus Rebates Online

Earn more when you use your card at qualified online stores.

Secure Online Shopping

Stay secure with one-time password (OTP) sent to your mobile phone.

Worldwide Acceptance

Shop at ease with affiliated merchants worldwide.

Exclusive Promos

Get discounts at your favorite shops and restaurants. Check the latest promos here.

No Foreign Transaction Fees

Save money when you use your credit card abroad.

Waived Annual Fee

Give it a try and get the annual fee waived for the first year.

Supplementary Cards

Get up to 5 cards and manage your family’s finances.

Requirements

Applicant Requirements

  • Filipino Citizen and Philippine Resident
  • Principal Cardholder must be between 21-65 years old
  • Employed as a Regular Employee for at least 1 year
  • OR Self-Employed Profitably for at least 3 years
  • Gross Annual Income must be at least P180,000
  • Must have a landline number

Documentary Requirements

  • Government-Issued Photo-Bearing ID
  • For Self-Employed: 3 years AFS or ITR AND SEC/DTI Registration
  • For Employed: Signed COE or ITR or 3mo Payslip with Company ID (front/back)

Ready to save big when shopping online?

Credit Card Promos

Fees and Charges
Fees & Charges Click
Primary Annual Membership Fee PHP 3,000
Supplementary Annual Membership Fee PHP 1,500
Interest rate 3.5%
Foreign Exchange rate Security Bank Corporation’s prevailing exchange rate for credit cards at posting date
Late Payment Fee P600 or 6% of the minimum amount due, whichever is higher
Cash Advance Fee P500 or 5% of the cash advance amount per transaction, whichever is higher
Over the Counter Cash Advance Fee P500 per transaction
ChargeLight Plan Pre-Termination Fee P500
Charge Slip Retrieval Fee P400 per sales slip
Lost Card Fee/Card Replacement Fee Php 400 per card
Card Certification Fee P200 full statement of account
P300 good credit standing
Returned Check Fee P1,000 for Peso per returned check
US$20 for Dollar per returned check
Statement of Account Retrieval Fee P50 per page if requested billing statement is more than 3 months old
Credit Card Exchange Rate Security Bank Corporation’s prevailing exchange rate for credit cards at posting date
Minimum Amount Due P500 or 4% of total revolvable transactions plus sum of the interest, fees, and charges in the current statement, whichever is higher
Overlimit Fee P500 per occurrence
Account Maintenance Fee P250 for Peso, or amount equivalent to the credit balance, whichever is lower.
US$5 for Dollar, or amount equivalent to the credit balance, whichever is lower.”
Multi-payment Fee P50 will be charged for every payment in excess of 2 payments within a billing cycle

* Click here for full list of fees

“1 Cash Advance made overseas shall be subject to the fees of the servicing foreign franchise or bank.
For bills not paid in full, the corresponding interest per card type will be applied to the Total Amount Due in your Statement of Account based on your average daily balance.
Security Bank Corporation reserves the right to change said fees and charges from time to time with prior notice.”
This product is not a deposit. This financial product of Security Bank Corporation is neither insured by the Philippine Deposit Insurance Corporation (PDIC) nor guaranteed by Security Bank Corporation.

Terms & Conditions
    1. THE SECURITY BANK CREDIT CARD (“CARD”)
      The Security Bank credit card (“CARD”) is issued to you, the cardholder, by Security Bank Corporation (“we”, “our”, “us”). It is our sole property and is non-transferable. After the approval of your application, we may automatically activate the CARD once delivery to you has been confirmed, even without your written conforme or notice. You are required to sign the dedicated portion at the back of your Card upon receipt. Your CARD will only be honored by our affiliated establishments when properly signed and presented by you in good standing, and the required charge slip has been signed by you. It is valid up to the last day of the month indicated on the Card, unless terminated earlier. After the expiration date, we and our affiliated establishments shall no longer be bound to honor the expired card unless the same has been renewed, subject to our approval.We may, but do not have the obligation to give you any reason or prior notice:

      1. Terminate or suspend your CARD privileges at any time and for whatever cause and cancel any Card Transaction and demand immediate repayment of the same, including full payment of Installment Transactions;
      2. Decline any CARD transaction even if you have enough credit limit to pay for the purchase;
      3. Increase or decrease your Credit Limit, and/or Cash Advance Limit;
      4. Refuse to reissue or replace your CARD;
      5. Amend, add, restrict or cancel your CARD privileges, services and facilities, whether relating a specific CARD or all CARDS tagged under your name;
      6. Limit Card transactions made in one day, such as, but not limited to, number of purchases, online transactions, Cash Advances, and more; and
      7. Without waiving any of our rights, approve any Card transaction even if it may cause the balance on your account to exceed your Credit Limit.

      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.

    2. YOUR RESPONSIBILITY
      You are considered in good credit standing if all accounts for the issuance and/or use of your CARD are current and not overdue, and your privilege to use the CARD is not suspended, cancelled, terminated, withdrawn, confiscated, and unexpired. You are liable for all purchases and cash advances made through the use of your CARD, including all interests, fees and other charges as provided herein, and you hereby agree to accept and pay for such availments without the necessity of proof of a signed charge slip. We shall not be liable to you if for any reason the CARD is not accepted or honored at any Security Bank Mastercard affiliated establishment. You agree to hold us free and harmless from damages arising from the failure of the affiliated establishment to honor the CARD. You shall not hold us liable for any defective product or service purchased using the CARD. Complaints regarding the product or service purchased using the CARD shall be referred to the merchant and shall not affect your obligation to pay outstanding balances with us. Furthermore, you agree to hold us free and harmless from any and all claims for damages as a result of the failure of any accredited merchant or any acquiring bank, or Security Bank Mastercard. Any claim or dispute against an affiliated merchant does not relieve you of your obligation to pay the charges incurred through the use of your CARD. You are required to report unauthorized transactions to us immediately, through the 24-Hour Customer Hotline. Should you request for retrieval of documents relating to CARD disputes, a P400 retrieval fee per charge invoice shall be charged to you. The retrieval fee is subject to change and shall be waived if dispute is valid.You also agree to fully comply and abide by the following:

      1. The terms and conditions governing the use of the CARD
      2. Laws, statutes and regulations, and BSP Circulars relevant to credit cards and credit accommodations
      3. The provisions of Republic Act 8484 governing the use of the credit card and other access devices in commercial transactions

      You are required to inform us of any changes in your contact details and/or billing address.

    3. YOUR SUPPLEMENTARY CARDS
      The use of the SUPPLEMENTARY CARDS shall be governed by this Agreement. Any reference to the CARD issued to the Cardholder shall also apply to the SUPPLEMENTARY CARD/S. We can issue up to 5 supplementary cards to you. You and your supplementary/ies and/or surety/ies shall be jointly and severally liable for all purchases and cash advances made, including all interest and charges incurred through the use of the SUPPLEMENTARY CARD/S, as well as for any breach by the SUPPLEMENTARY CARDHOLDER/S of these terms and conditions. Primary and Supplementary CARDHOLDERS share the same credit limit unless otherwise specified. You, your supplementary/ies and or surety/ies further waive any defense of minority or illiteracy on any SUPPLEMENTARY CARD. Such responsibility shall only cease upon your request to terminate the SUPPLEMENTARY CARD privileges. Cancellation can be done by calling the Security Bank hotline (02)887-91-88. We will grant the termination, provided all purchases and cash advances made, including all interest and charges incurred through the use of the SUPPLEMENTARY CARD are fully paid and satisfied.
      In the event of annulment or separation, legal or de facto of you and your spouse, you and your supplementary/ies and/or surety/ies shall continue to be responsible for such amounts incurred through the use of the SUPPLEMENTARY CARD/S unless you request in writing that the privileges of such supplementary/ies under this Agreement be terminated, provided all purchases and cash advances made, including all interest and charges incurred are fully paid and satisfied at the time of said request.
    4. YOUR CREDIT LIMIT
      You will be granted a credit limit in Philippine Pesos which we calculated depending on your personal paying capacity. Your credit limit represents the maximum outstanding balance or purchases that you may be allowed at any given time and will be shared with all of your SUPPLEMENTARY/IES. You are required to assign the credit card limit of your SUPPLEMENTARY/IES. The expiration, suspension, cancellation or termination of the CARD shall terminate the credit extended to you under this Agreement.
      Your ChargeLight Installment limit forms part of the credit limit extended to you. Such ChargeLight credit limit shall form part of the maximum outstanding balance of the purchases that you may be allowed at any given time if you avail of ChargeLight Installment purchases. The corresponding add-on interest from ChargeLight Installment purchases are part of your ChargeLight Installment limit. Should the outstanding balance exceed the approved credit limit at any given time, we reserve the right to decline any transaction and/or suspend your/SUPPLEMENTARY/IES’ credit card privileges. The said excess amount shall be considered immediately due without the need for further notice or demand. In case you are issued with two (2) or more credit cards, you understand and agree to abide by the condition that we have the sole discretion to give you a separate credit limit for each of the credit cards issued to you or a consolidated credit limit for all cards, in Philippine Pesos. In case of default in payment in one (1) or more cards, we, at our sole discretion, may revoke your right to use all or any of your SB credit cards.
    5. CASH ADVANCES
      You will be assigned a cash advance limit based on your card type. Subject to your cash advance limit and available credit limit, you may avail of cash advances up to a maximum of P30,000 per day but not exceeding P100,000 per month. Cash advance is also subject to service fee (See Card Fees and Charges) which will be charged per cash advance transaction. You will be assigned a Personal Identification Number (PIN) for cash advances that can be made through designated automated teller machines. You must, at all times, keep your Cash Advance PIN confidential and must not, under any circumstances, disclose the same to any person nor compromise its confidentiality. You agree that all cash advances shall be conclusively presumed to have been personally made or authorized by you.
    6. REWARDS POINTS
      You get to earn Rewards Points on qualified transactions, depending on the CARD type we issued to you. Earning and redeeming of Rewards for the different CARD types are governed by the respective CARD’s terms and conditions. These Rewards may only be earned and redeemed if your CARD is in good credit standing. If your CARD has been cancelled, either by you or by us, any unused Rewards will be immediately forfeited. Likewise, if you avail of debt restructuring or other collection programs, unused Rewards will remain forfeited, despite payment of your CARD accounts. Regularly visit the website to check the items that can be redeemed using your Rewards Points.
    7. CHARGELIGHT INSTALLMENT PLAN
      You may avail of in-house and store-level Installment Promotions. We, at our sole discretion, shall determine the rates and available monthly terms. Our installment facilities allow you to pay the following, together with the applicable interest and other fees, on installment basis (“Installment Transaction”), for specified monthly payment options of 3, 6, 9, 12, 18 or 24 months:

      • Select goods and services purchased from our accredited establishments in the Philippines through ChargeLight and 0% ChargeLight
      • Cash converted from your credit limit through SB Ready Cash
      • Other, non-SB credit card balances transferred to your Security Bank credit card through SB Balance Transfer
      • Any non-installment or straight amounts from your Security Bank credit card through Convert-to-ChargeLight

      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)]
      Term

      We shall charge you a processing fee of P500 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.

    8. STATEMENT OF ACCOUNT
      A Statement of Account shall be issued to you on a monthly basis, on a specific billing cycle date, reflecting your outstanding balance and the minimum payment due, among others. You agree to pay all the charges on or before the last day of payment as stated in your statement of account. You may receive your Statement of Account through courier or email.
      You agree to examine the statement of account and report any discrepancy immediately. If no error is reported within 30 days from the statement date, the statement of account will be considered conclusively correct. A statement production fee of P50 per page will be charged to you if the requested billing statement is more than 3 months old for Mastercard Classic, Mastercard Gold and Mastercard Platinum and P30 per page for Mastercard World. This fee is subject to change. All other terms and conditions stated in the monthly Statement of Account shall form an integral part of this Terms and Conditions. We reserve the right to investigate and confirm within a reasonable time, in accordance with accepted or standard credit card business practices and procedures, any reported error or fraudulent transaction before making any correction in your statement of account.
      You must immediately inform us of the non-receipt of the statement of account before your payment due date. Absence of any report of non-receipt shall be deemed as confirmation that you have received your statement of account. Non-receipt of your SOA does not relieve you of your obligation to pay the amounts due on the Card by the Payment Due Date. To avoid incurring Late Charges and further Interest charges and other fees, in case you do not receive your SOA within 7-10 days from the Statement Date, call our 24/7 Security Bank hotline at (02) 887-91-88 immediately and pay before the Payment Due Date.
    9. PAYMENTS
      Cash payments shall be posted to your account within 2-3 banking days. Note that if the last day of payment falls on a weekend or a holiday, payment must be made on the next working day.
      Payments due must be received on or before the payment due date reflected on your Statement of Account. Acceptance of payment is considered effected only when checks are cleared and payment is already credited to our account.Guidelines on Check Payments:

      • Updating of balance will only take place upon check clearing.
      • Local check payments or for payments coursed through other banks, payments should be made at least three (3) banking days before payment due date.
      • Regional check payments, payments should be made at least eight (8) banking days before payment due date.

      Should you choose to pay an amount less than the payment options stated above, an interest would be imposed. We shall compute the interest by adding your daily balances within the billing cycle. The daily balance will take into account the unpaid outstanding balance, and all payments made within the same billing cycle. The sum of the daily balances shall then be divided by the number of days within the billing cycle, resulting to the average daily balance. To arrive at the interest, the average daily balance is multiplied by the applicable interest rate based on your card type.

      Payment will be applied in the following sequence:

      1. Billed Late Payment Fee
      2. Interest on revolvable transactions
      3. Annual Fees
      4. Billed other fees/charges such as taxes
      5. Billed Cash Advance fees
      6. Billed ChargeLight Interest
      7. Billed ChargeLight Amortization
      8. Billed Cash Advance Transactions
      9. Straight Purchases including continuous billing transactions
      10. All other unbilled interest, fees and transactions in the same order.

      In addition, a monthly interest or annual interest shall be imposed on the total amount due if the payment is not received on the due date. 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 succeeding minimum amount due shall suspend your revolving credit facility, constitute default and result in 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 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 for late payments on accounts allowed to revolve.

      You hereby authorize us to charge additional service fees as may be deemed necessary in order to maintain our service to you such as:

      • Card Certification Fee for full settlement of account
      • Good Credit Standing Certification Fee for the initial and succeeding requests, amount to depend on the card type
      • Returned Check Fee depending on the card type
      • Payment Transfer Fee
      • For Dual Currency Accounts, we reserve, in the absence of any specific instruction, the right to apportion payments from the Peso to the Dollar Account and vice-versa, without need of further instructions from you.

      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.

    10. AUTOMATIC DEBIT ARRANGEMENT
      You have the option to maintain a deposit account with us through which payment of your account may be made. You shall execute and sign a formal authority in favor of the BANK to debit automatically, without notice, your deposit account for such amounts as may be sufficient to cover the payment of your outstanding balance upon presentation of your account to the BANK by Security Bank. Should your outstanding balance exceed the amount deposited with the BANK, such excess shall become immediately due and payable and you shall be considered in default of your obligations to pay the same.
    11. FOREIGN CURRENCY TRANSACTIONS
      For transactions made in foreign currencies in the Philippines or abroad, the manner of conversion from the transaction currency to the payment currency (Philippine Pesos) would be automatically made using Security Bank’s prevailing exchange rate for credit cards at posting date.
    12. ANNUAL MEMBERSHIP FEE
      You agree to pay an Annual Membership Fee for the issuance and use of the Card, as well as fee/s for other facilities and services that you avail of and/or for the maintenance and administration of any balance or transaction on the Card (See Fees and Charges for the prevailing rates). The said fee/s shall be deducted from the available Account Credit Limit. You agree that we may change or increase the Interest charges, fees, and other charges, and their rates and calculation from time to time. We will notify you of any changes on Interest charges, fees, and other charges before these take effect.
    13. DELINQUENCY
      In the event of any future delinquency, we will report and/or include your name as well as your SUPPLEMENTARY/IES in negative listings of any credit bureau, institution or other organization. Default cardholders shall be suspended from the card privileges issued by SECURITY BANK CORP. and all its subsidiaries. Should we opt to refer the account to a collection agency for collection purposes, we shall inform you in writing of the intended endorsement to a collection agency, or the endorsement of the account from one collection agency to another, at least seven (7) days prior to the actual endorsement. Said notification shall include the full name of the collection agency and its contact details.
    14. ATTORNEY’S FEES, VENUE
      In case of default in payment, the right to use the CARD shall automatically be terminated and you shall refrain from further using such CARD and shall surrender the same to us or our authorized representatives on demand. In addition, you shall pay a late payment fee. If collection of the account is endorsed to a collection agency and/or enforced through court action, you agree to pay the costs of collection and/or attorney’s fees equivalent to 25% of the unpaid balance (including interest and service charges), as well as the expenses of litigation and judicial costs. The exclusive venue of all suits to enforce this Agreement shall be in the proper courts of Makati City and any request to hold in other venues will be disregarded.
      In the event of any controversy or action arising from this Agreement or any incident thereto which you may file against us, our liability shall not exceed One Thousand Pesos (P1,000.00) Philippine Currency, or the damages actually proven to have been suffered by you, whichever is lower.
    15. ASSIGNMENT
      You and your SUPPLEMENTARY/IES agree to assign to Security Bank, effective upon failure to pay on the Payment Due Date, any or all monies, securities, bonds, and things of value which are now or may hereafter be in the hands of Security Bank, and any member of the Security Bank Corporation Group of Companies on deposit or otherwise to the credit of, or belonging to you or your SUPPLEMENTARY/IES. Pursuant to the authority granted to us, you expressly authorize us to inquire about and allow full disclosure of any information related to your funds or properties with Security Bank, its branches, subsidiaries and affiliates.
    16. RIGHT TO SET-OFF
      You and your SUPPLEMENTARY/IES agree that upon default or delinquency, we may, in absolute discretion and without notice, offset the obligations against any of your deposits, money market/trust placements, stocks, bonds and other assets coming to the custody, possession or control of Security Bank, its subsidiaries and affiliates. For this purpose, you and your SUPPLEMENTARY/IES hereby authorize and irrevocably constitute us to assert our legal claim on your deposits, money market/trust placements, stocks, bonds and other assets in the possession, custody or control of Security Bank, its branches, subsidiaries, affiliates and to apply all or part of these to offset your existing obligations with us. In the event that your funds are held by Security Bank, such shall have the right to retain such funds for a period of at least forty-five days from the date of cancellation of termination of the Card and its return to Security Bank and the closure of the Card account. If there are unpaid obligations under the Card, you hereby authorize us to automatically apply said funds to the settlement of the unpaid obligations. We are not precluded from availing of other remedies in case the funds are insufficient to settle the said obligation.
    17. CARD REPLACEMENT
      We may change your credit card number and/or expiry date when issuing your renewal or replacement card. You are solely responsible for communicating this change to any party with whom you may have payment arrangements. We are not responsible for the consequences arising from the rejection of any transaction, whether under the old card number or otherwise. We will be charging a card replacement fee. You must safely keep the CARD and not use it after its expiry date, upon its suspension or cancellation nor permit anyone to use it for any reason whatsoever.
    18. LOSS OF THE CARD
      In the event the CARD is lost or stolen, you are highly encouraged to report this immediately to the Security Bank hotline at (02)88-791-88 stating the place, date, circumstances of the loss/theft and the last purchases made to free you from any liability arising from the possible misuse of your CARD. Unauthorized charges made against the lost/stolen CARD prior to the phone-in report shall be charged to you. Your failure to report immediately the loss/theft of the CARD to Security Bank after discovery and to state the required information as to the place, date, circumstance of the loss and theft and last purchases made, shall be deemed proof of fraud, and Security Bank and its accredited establishments shall be free and harmless from any and all claims for damages from the Cardholder. A fee shall be charged by Security Bank for the publication of the lost or stolen card for all cards. This fee is subject to change.
    19. SUSPENSION OR TERMINATION
      We reserve the right to suspend, cancel or terminate the use of the CARD or withdraw your privileges without prior notice for whatever reason including, but not limited to the following:

      • Your failure to comply with any of the terms and conditions governing the use of the CARD
      • You have exceeded the assigned Credit Limit
      • The CARD is not renewed by us
      • Death of the cardholder
      • Your employment is terminated in the case of SB Corporate credit cards
      • Your bankruptcy, insolvency, receivership, levy on execution, garnishment or attachment
      • Your conviction by final judgment of a criminal offense carrying with it the penalty of civil interdiction
      • Final judgment against you in a case covered by Article 1198 of the New Civil Code
      • You are investigated, charged with, or convicted of a violation of Republic Act 8484 otherwise known as the “Access Devices Regulation Act of 1998”

      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.

    20. AMENDMENTS
      Upon notice to you, we may, at any time, and for whatever reason we may deem proper, amend, revise or modify this terms and conditions or your Credit Line. Any amendment on the terms and conditions will be communicated to you prior to the implementation using the appropriate communication channels, such as statement of account, flyers, etc. Any amendment shall bind you upon receipt of notice thereof unless you object thereto by manifesting your intention to terminate your membership in writing and surrendering the CARD within fifteen (15) days from the receipt of notice of amendment. Failure to notify us of your intentions to terminate your membership and your continued use of the CARD shall be construed as your unconditional acceptance of the amendments made on this Agreement.
    21. SEPARABILITY CLAUSE
      The enforceability and validity of this Agreement, in whole or in part, shall not be affected by the unenforceability or invalidity, whether temporary or permanent, of any particular provision of this Agreement because of restrictive laws, regulations or judicial or administrative determination obtained during any period of this Agreement or for any other cause.
    22. DISCLOSURE OF INFORMATION
      We may share information about you (except medical) within the Security Bank Group or our affiliates (such as, but not limited to, our partner Bancassurance Companies and their third party service providers). Information includes any credit or other information obtained from your application or from consumer reports. Information that you provided may be used to develop offerings from Security Bank and its affiliates that you may receive from time to time through our communication channels.
    23. COMMUNICATIONS
      SMS.
      We may send or communicate through SMS at any time without being encrypted and may include your name and other relevant information pertaining to your account. You shall declare Security Bank free and harmless from any liability if the information contained in the SMS is accessed by person other than yourself. We do not guarantee the timely delivery and completeness of any information provided through SMS.TELEPHONE.
      By calling or accepting calls from our 24-Hour Customer Hotline at (02) 887-91-88, you acknowledge that we may record all your telephone conversations with us and use all these recordings against you or any third party, or replayed or communicated to any third party, for any purpose particularly as evidence in any proceeding, judicial or administrative. You further agree to waive any right under R.A. No. 4200 otherwise known as the Anti-Wire Tapping Act or any amendments thereto, or any similar law or regulation. You agree to reimburse us and our Telemarketing provider any loss, damage, cost, expenses, and fees (including legal fees on a full indemnity basis) that we or our Telemarketing provider may suffer or incur during this instance.

      ADDITIONAL CHANNELS.
      You must inform us of any additional channels to reach you aside from what is disclosed in the credit card application form you submitted. Changes in your home, office or mailing address, e-mail and telephone number must also be communicated to us. Non-notification, particularly if the account is past due, may lead to the presumption that your credit card has been used with intent to defraud. In case the mailing address is not accessible through mail or delivery, we have the option to use the other addresses logged in our system. Notwithstanding this provision, you agree that any communication sent to the designated mailing address shall be considered as received by you within fifteen (15) days after mailing. You, pursuant to such undertaking, authorize us, at our discretion, but without any obligation to do so, to secure information from third parties, such as but not limited to utility companies, insurers and financial intermediaries, and receive information on how you can be contacted.

    24. PROMOTIONAL OFFERS
      On any occasion, we may inform you about our promotional offers through mail/e-mail/fax/SMS or by telephone. We may also allow Security Bank, its branches, subsidiaries, affiliates agents, agents, and representatives and third parties selected by any of them and certain companies to offer specially selected products and services to you through mail/fax/SMS or by telephone. For this purpose, we may transfer and disclose selected customer information to Security Bank, its branches, subsidiaries, affiliates, agents, and representatives and third parties selected by any of them and certain companies.
    25. OTHER TERMS AND CONDITIONS
      The terms and conditions, reminders and other provisions contained in the CARD, the SOA, ChargeLight Plan Contract, charge slips, Holdout Agreements forms, Card carrier and such other card documents, related instruments or documents are made integral parts hereof by reference and shall likewise be resorted to instances where they are applicable. It is agreed that the terms and conditions herein, as well as the aforementioned terms and conditions, including reminders, rules and regulations promulgated by Security Bank from time to time (the “Other Terms and Conditions”) shall govern the use of the CARD and the supplementary CARD/S issued hereunder. Any alteration, amendment, exception, reservation or scribbling herein made by you or in the Other Terms and Conditions, not duly approved in accordance with our appropriate procedures, shall not be valid and binding upon Security Bank. We may, from time to time, change these Terms and Conditions for whatever reason we may deem proper, amend or revise or modify through Statement of Account, publication, or such other reasonable means.
    26. OFFER AND ACCEPTANCE OF OTHER BANK PRODUCT AND SERVICES
      You may avail of consumer loans or additional bank products (but not limited to auto loans, deposits, etc.) subject to the BANK’s terms and conditions. In case you are qualified for availment, you hereby agree and give consent to have your existing details used for offering of products and services by the Security Bank Corporation and its Subsidiaries, at any time and at its discretion. Acceptance of proceeds of any loan released pursuant thereto shall be conclusive proof of your additional indebtedness to the BANK under the Terms and Conditions set forth by the BANK prevailing at the time the additional loan is approved.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) 88-791-88 OR EMAIL US AT CUSTOMERCARE@SECURITYBANK.COM.PH. SECURITY BANK CORPORATION IS SUPERVISED BY THE BANGKO SENTRAL NG PILIPINAS WITH TELEPHONE NUMBER (632) 708-7087 AND EMAIL ADDRESS AT CONSUMERAFFAIRS@BSP.GOV.PH

Frequently Asked Questions

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. Click here to visit our rewards page.

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 & redeem your Rewards Points  online. Another option is to redeem your points through our Customer Service Hotline.

How do I avail of Cash Advance? How much can I avail?

You may avail of Cash Advance at any Security Bank ATM using your Cash Advance PIN. Cash Advance PINs are automatically generated upon card activation and will be received by cardholders 7 – 10 days once generated.

You may avail up to 50% of your available credit limit (max. of P100,000) depending on your card type.

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):

      1. Latest ITR
      2. Last 3 months payslip
      3. Certificate of Employment

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.

How do I enroll my credit card to Security Bank Online?

To enroll your credit card to online banking, you need to create an account  here.

Activation can be done:

      1. Via any Security Bank ATM with your Cash Advance PIN.
      2. 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 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 Platinum or Mastercard Rewards.

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 88-791-88. 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) 88-791-88 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.

How do I inquire about my balances?

You can get your monthly balances through:

      1. Self-serve menu at (02) 88-791-88
      2. Monthly Statement of Account (SOA)
      3. Electronic Statement
      4. Security Bank Online
      5. 24-Hour Customer Contact Center at (02) 88-791-88

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) 88-791-88

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 Mastercard World, minimum amount due is 5% of your total revolvable transactions plus all non-revolvable transactions, or Php500, whichever is higher.

When do 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?

The  statement date is the last day on which transactions can be posted to your account for that  statement. The payment  due date is the  date when you must make your payment without incurring late fees or other penalties.

How is the 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.

Click  here for full list of fees and charges.

What will happen if I miss a payment on my credit card?

A late payment fee will be billed to your account on top of other transactions. Click here for a full list of fees. 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 88-791-88

What should I do if I lose my credit card?

IMMEDIATELY call SBC’s 24-Hour Customer Contact Center at (02) 88-791-88 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.

Got any questions? Feel free to contact us

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