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Security Bank Credit Card Guide

Last updated: October 25, 2022

Written by: Alyssa Divina | Reviewed by: Rafael Hular

Key takeaways:

  • Security Bank credit cards are highly sought after because of low barriers to entry, easy application process and fair terms.
  • The cards also have promos, discounts and other rewards for the loyal cardholders.
  • However, if you don’t get approved for a credit card, you can always apply for a personal cash loan from Digido.

About Security Bank

Security Bank is a Filipino universal bank that serves retail customers and businesses.

Just like other Filipino banks, Security Bank has debit cards, credit cards, savings accounts, loans and investments.

You can easily apply for a Security Bank debit card, but if you’re looking for a credit card that will suit your needs, this guide is for you.

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I want to borrow ₱ 10000
Min: ₱ 1000
Max: ₱ 20000
Payment Terms 10 days
7 days
21 days
My Monthly Gross Income ₱ 20000
1000
200000
You return*: 10 000
All your data is under secure protection!
We recommend taking a loan!

* Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval.

Which Security Bank credit card is right for me?

Here are your Security Bank credit card options.

1. Security Bank Next Mastercard

This is Security Bank’s newest CC offering!

This card allows you to auto-convert your big purchases into 12-month installments with an add-on rate of only 1% monthly! Your annual fee is also waived for life!

As if that wasn’t enough, you also get up to US$200 coverage with Mastercard E-Commerce Purchase Protection when you shop online using your Next Mastercard!

Other benefits include SimplyPay, Marhaba Lounge NAIA Terminal 1 & 3 access, up to five supplementary cards and exclusive Mastercard promos.

The Security Bank Next Titanium Mastercard also auto-converts big purchases into a 12-month installment plan with a 1% add-on rate. The annual fee can be waived for life.

2. Security Bank Mastercard Classic Rewards

Recommended for first-time cardholders, the Security Bank Mastercard Classic Rewards is the best for earning points while shopping!

With this card, you earn non-expiring points while shopping. Cool and exciting rewards await you once you’ve accumulated enough points!

Other benefits include waived annual fee for your first year, up to five supplementary cards, Marhaba lounge access and exclusive Mastercard promos.

3. Security Bank Mastercard Gold Rewards

Shop til you drop with the Security Bank Mastercard Gold Rewards!

It has a higher credit limit, non-expiring rewards points and security features that protect you while shopping online!

Your annual fee will also be waived for the first year and you can apply for up to five supplementary cards. In addition, you can enjoy Marhaba lounge access and exclusive Mastercard promos.

Security Bank Mastercard Platinum Reward

This card offers frequent travelers with free travel insurance, worldwide concierge service, Mastercard travel rewards, online purchase insurance and Marhaba lounge access!
As if these weren’t enough, you also enjoy complimentary annual airport lounge access for two, dual currency billing, higher credit limit and waived annual fee on your first year!

→ Learn Can I Get a Bad Credit Loan at Digido?

Apply now

4. Security Bank Fast Track

This card is recommended for those who are still building their savings and credit score!

The Security Bank Fast Track card is a secured credit card which allows you to open a savings account bundled with a secured CC.

Your annual fee is waived for your first year, you get a credit limit that is 80% of the holdout amount and rewarded with rebates and points for every transaction!

Application time is also quick – you will be processed in three banking days upon receipt of your documents!

4. Security Bank Cashback Platinum

Made for the value shopper, the Security Bank Cashback Platinum card gives you cashback on five essentials: groceries, gas, utilities, dining and shopping!

With this card, you can earn up to ₱12,000 cash back annually and pay less on your most important essentials!

Your annual fee is also waived for your first year, and you will receive exclusive promos and lounge access.

To summarize, here are the benefits of each Security Bank credit card.

Security Bank Next Mastercard 2% interest rate

No annual fee for life (NAFFL)

Up to US$200 online purchase protection insurance

₱200 cash advance fee

Auto-convert purchases at least ₱5,000 to 12-month installments

Auto-convert add-on rate of 1%

Minimum annual income of ₱600,000 required

Security Bank Mastercard Classic Rewards 2% interest rate

₱2,000 annual fee, free for first year

1 point for every ₱20 spent

₱200 cash advance fee

₱180,000 minimum gross annual income

Security Bank Mastercard Gold Rewards 2% interest rate

₱2,500 annual fee, free for first year

1 point for every ₱20 spent

₱200 cash advance fee

₱480,000 minimum gross annual income

Security Bank Mastercard Platinum Rewards 2% interest rate

₱4,000 annual fee, free for first year

Up to $200 online purchase protection fee

Free travel insurance for up to ₱10 million

₱200 cash advance fee

₱780,000 minimum gross annual income

Security Bank Fast Track Waived annual fee for first year

Credit limit that is 80% of holdout amount

Security Bank Cashback Platinum 2% interest rate

₱3,000 annual fee

₱780,000 minimum gross annual income

The bank also has a cash advance facility called Security Bank Ready Cash where select primary cardholders can convert their available credit limit into cash and pay in fixed installments per month.

FAQ

  • Where to check Security Bank credit card application status?
    You can go to its site to check your CC application status.
  • What is the Security Bank credit card hotline?
    You can call the bank at (632) 8887-9188.
  • How to pay my Security Bank credit card?
    You can pay your CC bill through the Security Bank Payment Center, other banks and payment centers. Go to https://www.securitybank.com/personal/credit-cards/payment-centers/ to know more.
  • How to check Security Bank credit card status?
    Go to site if you want an update on your CC application. You can manage your CC accounts through the Security Bank Mobile App which you can download on your phone.
  • Can I ask for a Security Bank credit limit increase?
    You can ask for an increase in your credit limit if you have been a cardholder for at least 12 months. Please note that your request will still need to be evaluated.

→ Learn more about Urgent Cash Loans For Unemployed

Security Bank Credit Card requirements

If you’re interested in a Security Bank credit card, you must take note of the criteria and documents you need to submit.

To apply for a credit card, you must be:

  • A Filipino citizen and resident of the Philippines
  • 21-65 years old if you’re the primary cardholder
  • A regular employee for at least 1 year, or self-employed for at least 3 years, or should have been a primary cardholder of other CCs for at least 1 year
  • Must have a landline number
  • Must meet the minimum annual salary requirement

Here are the Security Bank credit card requirements.

  • Government ID with photo
    If employed, 1 month payslip or signed certificate of employment or income tax return
    If self-employed, ITR, 2 years’ audited financial statements, business permit and DTI/SEC registration
    For non-Filipino citizen, present a hold-out deposit or work contract/visa with a term of at least three years

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 5000 pesos in your bank account
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated

→ Also read all about Digido loan app for easy cash

How to apply for a credit card from Security Bank

Now that you’ve prepared the requirements, here’s how to apply for a credit card in Security Bank.

There are many ways you can apply. First, you can go to a Security Bank branch and tell a representative that you’re interested in a CC. They will give you an application form and take your documents. From there, you will be evaluated and then notified if you’ve been approved or declined.

Another way is that the bank can simply notify you that you’re eligible and send you a pre-approved credit card.

But perhaps the most efficient way to apply is doing so online. The Security Bank online application process is simple and shouldn’t take more than 10 minutes.

Go to the application portal. Select the card that you’re interested in, then answer the confirmation and salary questions. On the next page, enter your complete personal info, employment details, and upload the requirements.

Afterwards, choose your delivery option then agree to the terms and conditions and consent form. Click Next Page once you’re done.

→ Also learn more about fast student loan online

Security Bank credit card promos

Security Bank has lots of credit card promos to encourage their customers to use their cards more frequently. They give out points for every peso spent, offer exclusive discounts and rewards, give out free travel insurance for frequent travelers and so on.

Here are just some of the Security Bank promos that you can take advantage of!

For newbies, the bank is offering ₱3,000 e-gift certificates that you can use for shopping. They also give out vouchers and discounts if you meet a minimum spend requirement using your card at partner merchants.

Want to save money while dining out? You will also get discounts from participating food merchants once you meet a minimum spending requirement with your Security Bank card!
Use your credit card while traveling abroad! Security Bank offers deals and rewards on airlines and accommodations if you use your card to buy tickets..

Security Bank credit card reviews

Security Bank credit cards are perfect for those who are just starting out with their credit journey. You don’t need to have a huge monthly salary to apply. You don’t need to submit too many documents as well.

The bank is also very generous with their promos and rewards. You reap countless benefits when you use your card to shop, dine and travel. You get discounts, exclusive lounge access, hotel promos, vouchers, gift certificates and even travel insurance.

In terms of customer service, Security Bank has a 24-hour hotline that will answer all your questions. You can contact them through the following numbers depending on your location:

Metro Manila: (02) 8887 9188
Other Provinces: (02) 8887 9188
From Abroad: +63 2 8887 9188

You can also email them at customercare@securitybank.com.ph or visit a branch near you.

Security Bank credit card Alternatives

If you can’t get a Security Bank credit card, there is a great alternative for you courtesy of Digido!

With Digido, you only have to download the app and apply for quick personal loans! We have higher approval rates than credit cards!

Imagine, in just five minutes, you can get a minimum loan of ₱1,000 with a maximum of ₱25,000 for repeat borrowers!

Download the app, fill out the application form, indicate your loan amount and wait to get approved! Your cash will then be disbursed to your bank account or e-wallet.

Apply now

Digido Reviews

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Written by: Alyssa Divina

Author pages:
Alyssa Divina pens blog articles about a wide range of topics, such as money matters and government transactions in the Philippines. Prior to joining Digido Finance Corp., she served as a journalist for Charlton Media Group, a business news magazine, for two years. She holds a degree in Journalism from the University of the Philippines Diliman.

Reviewed by: Rafael Hular

Author pages:
Rafael “Raffy” L. Hular is, the Finance and Accounting Manager. of Digido Finance Corp., monitoring and controlling the flow of cash that comes in and out of the company to meet the company’s business needs, preparing the financial reports and analysis of income and expenses, and monitoring tax compliance.  Raffy loves reading Japanese comics called manga and watching Japanese animated cartoon series. He dreams of establishing his own Accounting and Auditing Firm and teaching in a University.