UsapangCredit

Security Bank Platinum Mastercard

The Security Bank Platinum Mastercard is a premium rewards card designed for higher earn rates and travel perks. It earns double points on all spending, which you can redeem for miles, shopping, or statement credits through flexible redemption options. Cardholders also get complimentary airport lounge access, travel insurance, and protection for online purchases. With dual currency billing and point redemption flexibility, it’s a well-rounded card for both everyday spending and travel.

Key perks

  • Earn 2 points for every ₱20 spend.
  • 2 complimentary airport lounge visits annually (local and international).
  • Free travel insurance when you charge your airline tickets to the card.

At a Glance

Card Tier:

Premium

Rewards Type:

Points

Best For:

Travel

Min Annual Income:

780,000

Annual Fee:

4,000

Annual Fee Policy:

Free First Year

Features & Benefits

Earn 2 BetterBanking points for every ₱20 spend, redeemable for miles, shopping vouchers, dining GCs, and more.

Use Pay with Points and Offset with Rewards to redeem points for purchases or convert them into rebates on past transactions.

Get 2 complimentary airport lounge visits annually (local and international), with access to 1,300+ lounges worldwide.

Enjoy free travel insurance when you charge your airline tickets to the card.

Get e-commerce purchase protection insurance with coverage of up to $200 for online purchases.

Dual currency billing lets you pay international transactions in US Dollars.

First year annual fee waived.

More Reasons To Love This Card

Installment & Payment Features

Credit to Cash:

Ready Cash

Purchase Installment:

ChargeLight

Balance Conversion:

n/a

Balance Transfer:

Balance Transfer

Special Installment:

n/a

Send Money:

SimplyPay

Bills Payment:

Bills Assist

Not sure what these mean? Here’s a quick guide to help you understand each feature.
  • Credit to Cash — Convert part of your credit limit into cash and repay it in fixed monthly installments over a set period.
  • Purchase Installment — Convert an existing or recent straight purchase into installments so you can pay it off monthly instead of in one full payment.
  • Balance Conversion — Convert your current credit card balance into installments to make repayment more manageable with fixed monthly amounts.
  • Balance Transfer — Move your balance from another credit card to this card, usually with lower interest or on installment terms.
  • Special Installment — Pre-arranged installment offers for specific purchases (e.g., partner merchants or promos), often with 0% interest for a set term.
  • Send Money — Transfer funds directly from your credit card to a bank account or e-wallet, typically with a fee.
  • Bills Payment — Pay your bills using your credit card—either manually (on demand) or automatically (auto charge).

Travel Features

Click an item to view other credit cards with the same feature or benefit.

, ,

General Features

Click an item to view other credit cards with the same feature or benefit.

, , ,

Fees & Charges

Annual Fee:

4,000

Annual Fee note:

Free First Year

Annual Fee Supplementary:

2,500

Annual Fee Supplementary note:

First supplementary card free for life

Retail Monthly Interest Rate:

3%

Cash Advance Monthly Interest Rate:

3%

Cash Advance Fee:

₱200

Processing Fee – Credit to Cash:

n/a

Processing Fee – Purchase Installment:

n/a

Processing Fee – Balance Conversion:

n/a

Processing Fee – Balance Transfer:

n/a

Send Money Fee:

n/a

Note: The installment processing and Send Money fees shown above reflect the minimum applicable amount. Actual fees may vary depending on the transaction amount, currency involved, or how the request is initiated (e.g., through electronic channels or via customer service).

Eligibility & Requirements

Eligibility

  • Filipino Citizen and Philippine Resident
  • 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 PHP780,000
  • For Self-Employed: must be a Security Bank depositor for at least 12 months
  • Must have a landline number and email address

Requirements

  • Government-issued Photo-bearing ID
  • Employed applicants: 1 month Payslip or Signed COE or ITR
  • Self-employed applicants: ITR and 2 years AFS Business Permit and DTI/SEC Registration