The Security Bank Gold Mastercard is a rewards credit card designed for everyday spending with flexible redemption options. It earns points on all purchases, which you can use for travel, shopping, or even to offset your transactions for instant savings. Cardholders also get access to local airport lounges at discounted rates. With non-expiring points and a waived first-year annual fee, it’s a practical option for those who want simple rewards with added flexibility.
Card Tier:
Rewards Type:
Best For:
Min Annual Income:
480,000
Annual Fee:
2,500
Annual Fee Policy:
Earn 1 BetterBanking point for every ₱20 spend, with non-expiring points redeemable for flights, shopping, and rewards.
Use Pay with Points and Offset with Rewards to redeem points directly for purchases or convert them into rebates on past transactions.
Enjoy access to local airport lounges (A Lounge, Marhaba, PAGSS) at preferential rates.
First year annual fee waived.
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
Click an item to view other credit cards with the same feature or benefit.
Click an item to view other credit cards with the same feature or benefit.
Annual Fee:
2,500
Annual Fee note:
Annual Fee Supplementary:
1,500
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).