Security Bank Credit Card Points: How to Use Them and What to Redeem

If you’ve saved up a lot of Security Bank credit card points, you might be wondering if this is the right time to redeem a reward or if you should save those points for bigger rewards in the future.

To help you decide, here’s a helpful guide to the bank’s rewards program and what you can do with your Security Bank credit card points.

What is the Security Bank Credit Card Rewards Program?

Through this program, Security Bank credit cardholders can earn rewards points. Use your credit card to accumulate points from qualified purchases or transactions and redeem them for various products, deals, and services.

Redeemable Rewards With Your Security Bank Credit Card Points

Aside from the many Security Bank credit card benefits, these rewards make the bank’s cards even more appealing:

🎁 Electronic Gift Certificates

One of the most popular rewards you can redeem with your Security Bank credit card points is an e-gift certificate. Various e-GCs for gadgets, appliances, dining, shopping, and other lifestyle items are up for grabs.

To redeem the best rewards, you must accumulate at least 10,000 points. Still, there are other rewards you can redeem for less than 5,000 points.

🎁 Air Miles

Some people apply for credit cards just to earn this particular reward. And why not when your credit card points can make it possible for you to fly to a fabulous destination for free?

🎁 Cash Waivers

Annual fees can cost a lot, especially if you own a premium card or fund supplementary cards for your family members. But if you rack up enough points, you can redeem cash waivers to pay off your annual fees.

You need around 42,000 points to redeem a cash waiver reward if you have a Gold Mastercard. For Platinum cardholders, you must accumulate approximately 67,000 points. World Mastercard cardholders need about 84,000 points to redeem an annual fee waiver.

Related:

🎁 Charity Rewards

Prefer to share your rewards than enjoy them yourself? Through charity rewards, you can donate to the Philippine Red Cross, Bantay Bata 163, World Vision, and SB Foundation. You only need around 1,700 points to start donating.

How to Earn Points with Your Security Bank Credit Card

Principal and supplementary credit cards can earn rewards points. However, note that the Complete Cashback Mastercard is not eligible for the Credit Card Rewards program.

Earn points for every ₱20 qualified transaction. The number of points earned will depend on the Security Bank credit card you have.

For example, the Gold Mastercard earns 1 rewards point for every ₱20 spent, the Platinum Mastercard earns 2 rewards points, and the World Mastercard earns 3 rewards points. Security Bank credit cards with dual currency billing also earn points for every US$1 spent on qualified transactions.

Security Bank Gold Mastercard

1 non-expiring rewards point for every ₱20 spend
Worldwide acceptance and exclusive Mastercard promos
Unlimited Marhaba Lounge access at NAIA 1 and 3

Security Bank Platinum Mastercard

2 rewards points for every ₱20 spend
Free travel insurance
Access to airport lounges worldwide
Mastercard E-Commerce Purchase Protection of up to US$200

Security Bank World Mastercard

3 rewards points for every ₱20 spend
Membership lounges in airports worldwide
Dining, spa, and retail offers from select exclusive airport merchants
Free travel insurance coverage of up to ₱10 million
Mastercard E-Commerce Purchase Protection of up to US$200

Note that the following transactions don’t earn Security Bank credit card points:

Annual fees
Cash advances
Charges and fees (including finance charges, penalty charges, and interest)
Credit adjustments
PLDT and Meralco bill payments enrolled in Bills Assist

You can earn additional rewards using specific Security Bank credit cards during special promotions. So make sure to check your registered email or the bank’s official communication channels for the mechanics and the terms and conditions.

How to Check Security Bank Credit Card Points

Now that you know which transactions earn points, how do you check your Security Bank credit card rewards points?

You can view them on your monthly statement of account. The total number of reward points (principal and supplementary cards) is updated every statement cut-off date.

How to Redeem Security Bank Credit Card Points

The steps to Security Bank credit card points redemption are easy. Ensure you have enough credit card points to redeem your desired items.

To make a redemption via the online rewards catalog, follow these steps:

Visit the Rewards Catalog^[1] to browse the rewards you can redeem.
Select a reward and add it to your cart.
Proceed to checkout by entering the required credit card information.
Click Redeem.
If you redeem an electronic gift certificate or voucher, you’ll receive it via your registered mobile number, while reward items will be delivered to your registered address.

You may also redeem your rewards by calling customer service at (+632) 8887-9188 or emailing customercontact@securitybank.com.

✈️ How to Convert Security Bank Credit Card Points to Mabuhay Miles

If you’re registered to Philippine Airlines’ frequent flyer program, you can redeem Mabuhay Miles with your Security Bank credit card points. You need 11,667 Security Bank credit card points to redeem 1,000 Mabuhay Miles. To transfer your credit card points and make a redemption, you must enroll your PAL mileage account to your Security Bank account.

From the options on the Rewards Catalog, click Travel.
Select Mabuhay Miles and click Add to Cart.
Set the quantity and enter your Miles Membership Number.
Enter your mobile number and email address, and then click Confirm to accept the terms and conditions.
Click Redeem to complete your redemption.

What about the Security Bank credit card points conversion for other airlines? For airasia, it’s 6,667 credit card points = 1,000 airasia points; and for Asia Miles, it’s 11,250 credit card points = 1,000 miles.

💸 How to Convert Security Bank Credit Card Points to Cash Waivers

Would you prefer using credit card points to pay your primary or supplementary card’s annual fees? Here are the number of credit card points you need to waive the annual fees of the following cards:

Gold = 41,667 points
Platinum = 66,667 points
World = 83,334 points

Once you have enough points to redeem cash waivers, follow these steps:

Go to the online Rewards Catalog and click Cash Waiver.
Select your credit card from the options and add it to your cart.
Set the quantity and provide the required information, like mobile number and email address.
Click Confirm to accept the terms and conditions.
Click Redeem to finish your redemption process.

Where to Use Your Security Bank Credit Card Points

Not sure how to use your reward points from your Security Bank credit card? Check out some dining, shopping, and lifestyle items from the rewards catalog!

🍜 Dining

₱250 e-Voucher and foodpanda subscription - 8,525 points
₱200 GrabFood e-GC - 3,334 points
₱100 / ₱500 The Coffee Bean and Tea Leaf e-GC - 1,667 points / 8,334 points
₱500 / ₱1,000 / ₱2,500 Ramen Nagi e-GC - 8,334 points / 16,667 points / 41,667 points
₱500 / ₱1,000 Tim Ho Wan e-GC - 8,334 points / 16,667 points
₱100 / ₱500 Max's e-GC - 1,667 points / 8,334 points
₱300 / ₱500 Krispy Kreme e-GC - 5,000 points / 8,334 points

🛍️ Shopping

₱500 / ₱1,000 SSI e-Voucher - 9,167 points / 18,334 points
₱1,000 Landers e-Voucher - 18,334 points
₱500 / ₱1,000 Robinsons Supermarket e-GC - 9,167 points / 18,334 points
₱15,000 Uniqlo Gift Certificates - 271,787 points
Instant Duo Crisp 8QT 11-in-1 Air Fryer & Electric Pressure Cooker Combo - 316,218 points
Samsung AX34T3020WW/TC 2-in-1 Filter Air Purifier - 331,058 points
Nintendo Switch Stand-alone Console V2 - 434,285 points

💝 Lifestyle

₱500 / ₱1,000 Hi-Precision Diagnostics e-Voucher - 9,167 points / 18,334 points
₱300 Bruno's Barbers e-GC - 5,000 points
₱300 Suds Laundry e-GC - 5,000 points
₱1,000 / ₱2,000 Bioessence e-GC - 16,667 points / 33,334 points

Tips to Earn Security Bank Credit Card Points Faster

There’s no magical way to earn hundreds of thousands of credit card points overnight. But these tips can help you earn rewards points faster.

✅ Use Your Credit Card Frequently

If you don’t swipe, you can’t earn points―it’s as simple as that. But that doesn’t mean you should use your credit card indiscriminately.

Instead of paying with cash or a debit card, use your credit card, especially when there's no extra fee for using one. Small everyday purchases, when accumulated, can amount to big credit card points and exciting rewards.

But make sure to pay everything off on your due date to maximize your credit card spending.

✅ Charge Big Expenses

Upgrading your furniture or appliances? Planning an overseas trip with the family? Buy your airline tickets and other big-ticket items using your Security Bank credit card to earn instant and big rewards points. Aside from installment options and affordable interest rates, you earn points for every ₱20 spent.

✅ Swipe for Your Loved Ones

Offer to pay for your family members' purchases using your credit card. Just make sure they can pay you back!

In turn, you earn reward points from the transaction. You may even get to avail of exclusive Security Bank deals or discounts for eligible transactions at participating merchants.

✅ Pay for Work Expenses

If you have work expenses that you need to pay and then reimburse later, charge them to your credit card for points. These may include airfare and hotel accommodations during business trips, Grab rides to the office, team lunches or dinners, and productivity tools and subscriptions, just to name a few.

Make sure to keep the receipts and booking confirmations. Provide a copy of your credit card billing for hassle-free reimbursement.

Final Thoughts

Saving up enough Security Bank credit card points may seem like a daunting task. But if you use your credit card for all your essential and lifestyle spending, you’ll soon meet the minimum number of credit card points.

Security Bank reward points are non-expiring, so you can keep using your card and accumulating points to redeem your desired reward.

Still don't own a Security Bank credit card? Or looking for another option from this bank? Compare the cards below and apply easily through Moneymax!

Credit Card	Annual Fee	Minimum Annual Income Requirement	Key Features
Security Bank Gold Mastercard	₱2,500	₱360,000	1 rewards point for every ₱20 spend Worldwide acceptance and exclusive Mastercard promos Unlimited Marhaba Lounge access at NAIA 1 and 3
Security Bank Platinum Mastercard	₱4,000	₱780,000	2 rewards points for every ₱20 spend Access to airport lounges Free travel insurance Mastercard E-Commerce Purchase Protection of up to US$200
Security Bank Complete Cashback Mastercard	₱3,000	₱780,000	Cashback of up to 5% on five essential expenses As much as ₱12,000 cashback annually Exclusive Mastercard promos and discounts
Security Bank World Mastercard	₱5,000	₱3 million	3x points for every ₱20 spend Membership to more than 1,000 lounges in over 500 airports worldwide Free travel insurance Dining, spa, and retail offers from select airport merchants Mastercard E-Commerce Purchase Protection of up to US$200

Source: ^[1] Security Bank Rewards Catalog

Here’s What You Can Redeem with Your Security Bank Credit Card Points

Rouselle Isla

What is the Security Bank Credit Card Rewards Program?