UsapangCredit

Security Bank World Mastercard

The Security Bank World Mastercard is an elite rewards card built for high spenders who want premium travel perks and accelerated points earning. It offers one of the highest earn rates in the lineup, along with unlimited local lounge access and complimentary international lounge visits. Cardholders also benefit from travel medical insurance and added protection for online purchases. With flexible redemption options and global travel features, it’s ideal for frequent travelers and lifestyle-driven users.

Key perks

  • Earn 3 points for every ₱20 spend.
  • Unlimited local lounge access + 6 international lounge visits annually.
  • Free travel medical insurance up to $100,000.

At a Glance

Card Tier:

Elite

Rewards Type:

Points

Best For:

Travel

Min Annual Income:

n/a

Annual Fee:

5,000

Annual Fee Policy:

Non-Waivable

Features & Benefits

Earn 3 BetterBanking points for every ₱20 spend, redeemable for flights, shopping, dining, and more.

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

Enjoy unlimited access to local airport lounges (A Lounge, Marhaba, PAGSS).

Get 6 complimentary international airport lounge visits annually, with access to 1,300+ lounges worldwide.

Receive free travel medical insurance up to $100,000, including COVID-19 coverage.

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.

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

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General Features

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Fees & Charges

Annual Fee:

5,000

Annual Fee note:

Non-Waivable

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
  • Must have a landline number and email address

Requirements

  • Government-issued Photo-bearing ID
  • For employed applicants, SOA from other bank’s Credit Card and any of the following documents: 1 month Payslip or Signed COE or ITR
  • For self-employed applicants, SOA from other bank’s Credit Card and ITR and 2 years AFS Business Permit and DTI/SEC Registration