Shopping for a new credit card? Whether you're a first-time credit cardholder looking for a new credit card or an experienced one searching for a higher credit limit or more exciting rewards, check out Security Bank’s credit cards.
In this Security Bank credit card application guide, learn about its credit card offerings and how you can get one today.
Why Apply for a Security Bank Credit Card?
Is a Security bank credit card good to have? With so many credit card options in the Philippines, why choose one from this bank?
Learn about the Security Bank credit card features and benefits you can enjoy when you apply and get approved for one:
✔️ No Annual Fee
Enjoy Security Bank credit cards' annual fee waiver in the first year if you have the Gold Mastercard, Platinum Mastercard, World Mastercard, or Complete Cashback Mastercard. That means savings of around ₱2,500 to ₱5,000, depending on the card you own.
✔️ Easy Online Application
You can complete your Security Bank credit card application online, saving you time and the trip to the bank. You can fill out the application form in as short as 10 minutes.
✔️Exclusive Promos and Privileges
Save money while you swipe with exclusive offers from top local and international establishments, including your favorite shops, restaurants, airlines, and hotels. Enjoy Security Bank credit card lounge access and other lifestyle concierge services whenever you travel.
✔️ Non-Expiring Points
Accumulate non-expiring rewards points with a Security Bank credit card. Earn as much as 3x points with every ₱20 spend and redeem exciting items from Security Bank’s rewards catalog.
Read more: Get More Rewards: How to Earn Credit Card Points Quickly
✔️ Useful and Convenient Features
With Security Bank's SimplyPay feature, you can use your credit card for bank deposit payments for rent or tuition, just to name a few.
Meanwhile, you can pay off your other credit card’s balance at lower installment rates with its Balance Transfer feature.
Need cash? Convert your credit limit to cash and pay in fixed monthly installments. Make big purchases and pay in light installments with ChargeLight.
Plus, pay your bills conveniently, enroll in eSoA, and increase your credit limit through its online application form.
Read more: 4 Security Bank Credit Card Installment Plans for Hassle-Free Payments
Security Bank Credit Card Application: How to Apply in 5 Easy Steps
Ready to own a Security Bank credit card? Follow these easy steps for a hassle-free application process.
Step 1: Check Your Eligibility for a Credit Card
Take the online pre-qualification quiz[1] to check your eligibility for a Security Bank credit card.
You’ll need to answer questions like whether you have a Security Bank deposit account, an existing credit card with a different bank, and if you've ever missed a loan or credit card payment.
Provide your personal information, contact details, and employment information, then submit your answers. You’ll then be notified via email if you pre-qualify for a Security Bank credit card.
Here are the eligibility requirements you need to qualify for a credit card from Security Bank:
- Filipino citizen and resident of the Philippines
- 21 to 65 years old (if applying as a principal cardholder)
- For employed: Regular employee for at least a year
- For self-employed: With a profitable business for at least three years and a Security Bank deposit for at least 12 months
- With an active landline number and a valid email address
Step 2: Complete the Security Bank Credit Card Application Requirements
Submit the correct and complete requirements to facilitate quicker approval. You must prepare the following documents:
- One valid government-issued photo-bearing ID
- For employed, any of the following:
- Certificate of Employment signed by an authorized signatory
- Income Tax Return (ITR) signed by an authorized signatory
- One-month payslip
- For self-employed:
- Audited Financial Statements for the last two years
- Income Tax Return (ITR)
- Business Permit
- SEC or DTI registration papers
Step 3: Choose a Security Bank Credit Card
Different Security Bank credit cards offer different perks: no annual fees, cashback, or exclusive travel benefits, just to name a few. Pick the best Security Bank credit card depending on your needs and the card's annual income requirement.
Learn more about the Security Bank credit cards you can apply for below:
Security Bank Gold Mastercard
💳 Best for essential and lifestyle spenders
📌 Features and Benefits:
- Waived annual fee for the first year
- 1 non-expiring rewards point for every ₱20 spend
- Worldwide acceptance and exclusive Mastercard promos
- Unlimited Marhaba Lounge access at NAIA 1 and 3
- Up to five supplementary cards (the annual fee for the first supplementary card is waived for life)
💸 Fees and Charges:
- Minimum monthly income requirement: ₱30,000
- Interest rate: 3%
- Annual fee: ₱2,500
- Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
Use the Security Bank Gold Mastercard for your daily essentials and lifestyle purchases. Earn points whenever you shop for groceries, eat at your favorite restaurants, or take a much-needed holiday.
Accumulate non-expiring points and enjoy perks or discounts when you dine at your favorite spot or get some R and R at your dream destination.
Security Bank Complete Cashback Mastercard
💳 Best for savvy spenders
📌 Features and Benefits:
- Waived annual fee for the first year
- Immediate cashback of up to 5% on five essential expenses: groceries, gas, utilities, dining, and shopping
- As much as ₱12,000 cashback annually
- Worldwide acceptance and exclusive Mastercard promos
- Unlimited Marhaba Lounge access at NAIA 1 and 3
- Online purchase protection of up to US$200
💸 Fees and Charges:
- Minimum monthly income requirement: ₱65,000
- Interest rate: 3%
- Annual fee: ₱3,000
- Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
Enjoy year-round cashback of up to ₱12,000 per year when you spend on five essential expenses with your Security Bank Complete Cashback card—no minimum spending requirement required!
Aside from significant savings every month, you also get to enjoy exclusive promos at your favorite establishments, worldwide acceptance, and unlimited access to the Marhaba Lounge at NAIA Terminals 1 and 3.
Security Bank Platinum Mastercard
💳 Best for travelers
📌 Features and Benefits:
- Waived annual fee for the first year
- 2 rewards points for every ₱20 spend
- Automatic cashback offers from participating overseas merchants via Mastercard Travel Rewards
- Free travel insurance
- Access to more than 1,300 lounges in over 500 airports worldwide
- Unlimited Marhaba Lounge access at NAIA 1 and 3
- Dining, spa, and retail offers from select exclusive airport merchants
- Online purchase protection of up to US$200
💸 Fees and Charges:
- Minimum monthly income requirement: ₱65,000
- Interest rate: 3%
- Annual fee: ₱4,000
- Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
The Security Bank Platinum Mastercard is perfect for jet setters and adventure seekers, as it’s packed with great travel benefits such as rewards points, cashback, and more.
Travel with peace of mind and enjoy free travel insurance coverage. Avail of complimentary lounge access at the Marhaba Lounge in NAIA 1 and 3 and other airport lounges worldwide. Plus, shop online safely with e-Commerce Purchase Protection Insurance.
Security Bank World Mastercard
💳 Best for luxury travelers
📌 Features and Benefits:
- 3 rewards points for every ₱20 spend
- Automatic cashback offers from participating overseas merchants via Mastercard Travel Rewards
- Free travel insurance of up to US$100,000
- Access to more than 1,300 lounges in over 500 airports worldwide
- Unlimited Marhaba Lounge access at NAIA 1 and 3
- Dining, spa, and retail offers from select exclusive airport merchants
- Dual currency billing
- Mastercard E-Commerce Purchase Protection of up to US$200
💸 Fees and Charges:
- Minimum monthly income requirement: ₱250,000
- Interest rate: 3%
- Annual fee: ₱5,000
- Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
The Security Bank World Mastercard is perfect for globetrotters who prefer to travel in style. Enjoy membership to more than 1,000 lounges in over 500 airports worldwide.
Plus, you can wait for your flight comfortably with plenty of dining, spa, and retail offers from select exclusive airport merchants. You also get free travel insurance coverage of up to ₱10 million.
Read more: 7 Tipid Tips for Using Your Credit Card Abroad
👉 Security Bank Credit Card Comparison: What is the Best for You?
The Security Bank Gold Mastercard is ideal for people who need a credit card for everyday purchases and occasional lifestyle treats. It’s perfect for grocery shopping as well as dining and travel transactions. You earn points that you can use to redeem a reward of your choice.
Meanwhile, the Security Bank Complete Cashback is perfect for smart spenders and deal hunters. It lets you earn cashback of up to ₱12,000 all year long when you use it for essential expenses.
For people with a never-ending travel bucket list or a calendar fully packed with business travels, the Security Bank Platinum Mastercard is the perfect choice. Enjoy excellent travel benefits like complimentary travel insurance and airport lounge access.
Take these travel perks and privileges to another level with the Security Bank World Mastercard. Designed with the luxury traveler in mind, you get lounge access to over 500 airports, 24/7 concierge services, and free travel and medical insurance coverage.
Is the credit limit a big consideration for you? Note that the Security Bank Mastercard credit limit will depend on your credit history, income, and other factors.
Read more:
- Why Get Another Card: Is Having Multiple Credit Cards Good or Bad?
- No Overspending and Late Payments: How to Manage Multiple Credit Cards
Step 4: Apply for a Security Bank Credit Card
Once you've chosen a Security Bank credit card, you can apply via any Security Bank branch or online.
✅ How to Apply for a Credit Card In-Branch
- Go to your preferred branch and complete the Security Bank credit card application form.
- After filling it out, submit the documentary and income requirements to the designated Security Bank officer.
- Your credit card application will be forwarded to the credit team, who will review and verify the information you’ve written.
✅ How to Apply for a Security Bank Credit Card Online
Apply for a credit card via the Security Bank website. Take these steps for your Security Bank credit card online application:
- Select the Security Bank credit card you want to apply for.
- Fill out the short online application form[2] with the required details. Confirm if you're an existing Security Bank customer and state your gross annual income.
- Upload the documentary and income requirements.
- Take note of your credit card application reference number.
- Your credit card application will be forwarded to Security Bank's credit team, who will review and verify your written information.
Step 5: Wait for Your Card Delivery
If your Security Bank credit card application is successful, you should receive your card at the mailing address specified in your application form.
Read more: How to Use a Security Bank Credit Card for Different Transactions
Security Bank Credit Card Application: FAQs
1. How can I check my Security Bank credit card application status?
Visit the credit card application status page[3] and enter your credit card application reference number and last name.
2. How long does Security Bank process credit card applications?
The processing time for online Security Bank credit card applications is within 10 minutes.
3. How many days is the Security Bank credit card approval?
The Security Bank credit card approval time usually takes five days, provided you meet the qualifications and submit all the documentary and income requirements.
4. What should I do if my Security Bank credit card application is declined?
There are many reasons why applications get declined, from bad credit scores and unstable job histories to inaccurate application details.
To increase your chances of approval, make sure you meet your chosen card's requirements, fill out the form with accurate information, and submit complete requirements.
5. How do I increase my chances of getting a Security Bank credit card approval?
Consider applying for Security Bank's Fast Track Program for guaranteed approval.[4] It's a secured credit card program.
The minimum required deposit is ₱25,000 for a savings account, and your credit limit is 80% of your hold-out amount. You can get this credit card in as short as three days!
Note that the Fast Track Program is exclusive to select Security Bank credit cards.
6. How to activate my Security Bank credit card?
Primary and supplementary cardholders can activate their Security Bank credit card via the Security Bank customer service hotline at (02) 8887-9188.
You can also activate your Security Bank credit card via SMS. Use your registered mobile number and text the following:
SBCARDS [space] ACTIVATE [space] Birth date(MMDDYY)/Expiry Date(MMYY)/Last four digits of your card number
Example: SBCARDS ACTIVATE 052180/0129/1234
Then send the message to 2086 (for GLOBE and TM) or 4629 (for SMART and TNT).
7. How to pay your Security Bank credit card bill?
Pay your credit card bill through Security Bank Online or the Security Bank Mobile App.
Alternatively, you can enroll in an auto-debit arrangement to ensure you don’t miss your due dates. You can also pay over the counter at Security Bank branches, Security Bank ATMs, or any partner banks and payment centers.
💸 Security Bank Payment Partners
If you're a UnionBank, Metrobank, PNB, or BPI account holder, you can pay your Security Bank credit card bill over the counter or via the partner bank's ATM or online banking app.
You can also pay at the following Security Bank payment partners:
- GCash
- Any Bancnet or Megalink ATM
- SM Business Services
- 7-Eleven outlets
- Cebuana Lhuillier
- RD Pawnshop
- CVM Pawnshop
- Gemmary Pawnshop
8. How does the Security Bank SimplyPay credit card feature work?
With SimplyPay, you can pay for expenses that require a bank deposit and charge it to your Security Bank credit card. For expenses like rent, tuition fees, hospital bills, insurance payments, or business and professional service fees, you can use your credit card and pay in 12 monthly installments.
The SimplyPay feature is available to Gold, Platinum, World, and Complete Cashback Mastercard principal cardholders. To qualify, your account should be active, current, and in good standing.
The maximum amount you can charge to your credit card is ₱500,000.
9. How do I renew my Security Bank credit card?
Usually, banks will take care of the credit card renewal and send you a new card two to three months before the expiration date. However, credit card renewal is still subject to Security Bank’s approval.
10. How do I contact Security Bank for my credit card-related concerns?
Call the hotline at (02) 8887-9188 or the toll-free number 1-800-1-888-1250 for inquiries like your Security Bank credit card delivery status and tracking, accredited payment centers, or billing issues. You may also send an email to customercontact@securitybank.com.ph.
Final Thoughts
Getting a reliable credit card packed with valuable benefits and exciting features is awesome—and with Security Bank, getting a credit card has never been quicker and more convenient.
With this Security Bank credit card application guide, you can easily pick the right credit card. Don’t forget to compare credit card rates and offers before you sign and submit the forms. Good luck with your application!
💳 Explore Other Credit Card Options
If you still want to check other credit cards, there are a lot of great cards to choose from. For example, the UnionBank Rewards Credit Card lets you earn up to 3x non-expiring reward points. For rebates, check out the HSBC Gold Visa Cash Back, which earns up to 5% cashback. Lastly, explore the Metrobank World Mastercard® for world-class privileges, such as 2x reward points for international purchases and emergency assistance abroad.
Sources:
- [1] Credit Card Prequalification Quiz
- [2] Security Bank Personal Credit Card Online Application
- [3] Security Bank Credit Card Application Status
- [4] Fast Track Program
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