What is Security Bank?
Security Bank was established in 1951 as the first Filipino-controlled private bank after World War II. Since then, the bank has become one of the top universal banks in the Philippines. The bank offers a wide range of products and services, including savings and checking accounts, loans, mortgages, investments, asset management, leasing, stock brokerage, and credit cards. Security Bank now has a strong presence with more than 316 branches and 789 ATMs across the country.
Credit card Security Bank, how does it work?
Security Bank's credit cards are designed to help you increase your purchasing power, manage your finances, and make the most of your money. It essentially allows you to borrow money from the bank and pay it back over time with interest. You can use your Security Bank credit card to purchase items at a store or online, or to withdraw cash from an ATM via the cash advance program.
How to apply for credit card Security Bank?
The steps to follow to apply on the credit card Security Bank are:
- Visit the Online Application on the Security Bank website here
- Select the best credit card option for you.
- Provide the information that Security Bank is going to request.
- You'll follow the steps to provide the requirements and provide your personal information.
You must be a Filipino citizen or a Philippine resident.
You must be between 21-65 years old.
You must be employed with a regular employee status.
For self-employed applicants, your business must be profitable for at least three years.
You must have a landline number.
You must provide a valid government-issued ID with photo and signature.
You must provide one-month payslip, ITR, or signed COE.
Self-employed applicants must provide an ITR, business permit, DTI or SEC registration, and 2 years Audited Financial Statement.
You must have an annual income of:
- At least PHP 360,000 (for Complete Cashback Mastercard)
- Hold-out deposit amount of PHP 25,000 for Fast Track Secured credit card Security Bank (100% approval)
- At least PHP 3,000,000 (for Mastercard World)
- At least PHP 780,000 (for Mastercard Platinum and Cashback Platinum)
- At least PHP 600,000 (for Next Credit Card Security Bank Mastercard)
- At least PHP 480,000 (for Mastercard Gold)
How to check for an application status?
If you want to know your Security Bank credit card application status, there are a few ways to check:
- The easiest way is to go to Security Bank’s Credit Card Application Page , where you can track the progress of your application.
- Just enter your reference number and last name to view the status. It will show you whether your application is approved, denied, or still being processed.
Alternatively, you can call the bank's customer service line and ask about your specific application.
Can I make an online application?
Yes, you can make an online application for a Security Bank credit card. The Security Bank credit card online application is easy to use and takes only 10 minutes to complete. Plus, you can apply anytime, anywhere there's an internet connection.
Just go to the Security Bank Credit Card Application page and click “Apply Online.” Answer the preliminary and eligibility questions and fill up the application form. You must also select the credit card type you wish to apply for. Submit the required documents and you’re good to go.
How to activate the credit card Security Bank?
When you receive your Security Bank credit card, there is an activation process that must be completed before the card can be used. The easiest and fastest way to activate your Security Bank credit card is through SMS.
Text the following string to 2086 for Globe and TM subscribers or 4629 for SMART and TNT subscribers:
SBCARDS[space]ACTIVATE[space]Birthdate(mmddyy)/ExpiryDate(mmyy)/(last four digits of your card number)
For example: SBCARDS ACTIVATE 061096/1227/1234
How to cancel the credit card Security Bank?
Cancelling a credit card can be a relatively easy process, but there are some things to keep in mind. First, be sure to pay all your remaining debt. If you have automatic payments set up, make sure to cancel those as well.
Next, contact the Security Bank Customer Service Hotline at (632) 8887-9188 and request a cancellation. Finally, be sure to destroy the card once it's been cancelled.
How long does it take for credit card Security Bank to arrive?
After you’ve submitted your Security Bank credit application, it can take up to 5 banking days to process, approve, and deliver your credit card via mail. It may take a little longer if you live outside of Metro Manila.
How to transfer money to the credit card Security Bank?
To be able to transfer funds from another source to your credit card Security Bank you'll have to follow the next steps:
- Visit the Balance Transfer section in the website: https://www.securitybank.com/personal/credit-cards/installment-and-payments/balance-transfer/
- Fill the details from the source you're going to take the funds from.
- Confirm the terms and conditions.
- Confirm the transfer.
Credit card limit
A credit card limit is the maximum amount of money that can be charged on your Security Bank credit card at any one time. The credit limit varies depending on the type of credit card you have. Platinum cardholders have higher credit limits because of their higher income.
Security Bank credit card interest rate and fees
The interest rate for Security Bank credit cards is 2%. Aside from interest, Security Bank may charge you with other fees depending on the transaction:
Annual Membership Fees can be anywhere from PHP 2,000 to PHP 5,000 depending on the type of credit card.
Late Payment fee is PHP 1,500 or the unpaid minimum amount due, whichever is lower.
Overlimit Fee is PHP500 per occurrence.
Cash Advance Fee is PHP 200 per availment.
How to make a balance inquiry?
To make a Security Bank credit card balance inquiry, text the following keywords using the mobile number you’ve registered in your application.
For outstanding balance:
SB[space]OB[space]last 4 digits of your card number and send to 2086 for Globe and TM and 4629 for SMART and TNT.
For total amount due and minimum amount due:
SB[space]TADMAD[space]last 4 digits of your card number and send to 2086 for Globe and TM and 4629 for SMART and TNT.
For available credit limit:
SB[space]ACL[space]last 4 digits of your card number and send to 2086 for Globe and TM and 4629 for SMART and TNT.
Where to pay Security Bank credit card?
You can pay your Security Bank credit card bills at the following authorized payment channels:
Security Bank Online
Security Bank Branches
Philippine National Bank (PNB)
Bank of the Philippine Islands (BPI)
Bancnet and Megalink ATMs
7-11 Branches Payment Kiosks
SM Payment Counters and Business Centers
Security Bank credit card payment posting is real time in Security Bank Online and bank branches. It may take up to 3 days for other payment channels.
How to pay Security Bank credit card online?
To pay online, you must first enroll your account at Security Bank Online page . Once enrolled, follow these steps:
Log in to the Security Bank Online portal.
Select Payments and Transfers.
Select Pay Bills.
Choose New Biller and select from the dropdown menu.
Enter the credit card number.
Enter the amount.
Choose the source of payment.
Select the schedule of payment.
Alternatively, you can download the Security Bank Credit Card app and make your bills payments using the app. You can also pay using GCash. Just choose Security Bank as the biller.
Credit Card Security Bank benefits
Security Bank credit card promo
Security Bank credit cards come with a range of perks and features depending on the type of card you have. Benefits include low interest rates, no annual fees, 0% balance transfer, rewards programs, discounts from select merchants, cashbacks, air travel mileage, and a lot more.
Security bank credit card no annual fee
Security Bank credit card annual fee is waived for the first year. You will only be charged in the subsequent years. Next Mastercard has no annual fee for life.
Security Bank credit card rewards
The Security Bank Credit Card Rewards program is a great way to get something back for your spending. You can earn rewards points for every purchase you make with your credit card, and you can also earn bonus Security Bank credit card points for special purchases and activities. In addition, you can use your points to redeem a wide variety of rewards, including cash back, gift cards, travel miles, and more. If you're looking for a credit card that lets you rack up rewards quickly, Security Bank is a great option.
Security Bank credit card customer service
Contact number Hotline: +632 8887-9188
Toll-Free Hotline: 1-800-1-888-1250
Email address: firstname.lastname@example.org
Follow the login steps for the Security Bank Online or Security Bank Mobile access to reach credit card customer service.
Credit card Security Bank reviews
Security Bank cardholders are generally satisfied when using their credit cards. Most of the positive reviews are about the fast approval and delivery of the card, with some people receiving their cards earlier than the estimated delivery time. Plus, Security Bank credit cards come with a range of features that can help cardholders manage their finances, and this is on top of the exclusive perks that are attached to the cards.
Have you used the credit card Security Bank? Share your experience here.