Security Bank credit cards
Security Bank offers 5 consumer credit cards, with annual fees from ₱0 to ₱5,000, interest of 3% a month.
For card concerns, call Security Bank at (02) 8887-9188 or 1-800-1-888-1250 (24 hours. The 1-800 number is toll-free from PLDT landlines).
The cheapest Security Bank card to hold and carry a ₱20,000 balance on for 3 months is the Security Bank Wave Mastercard at ₱1,212, 2nd of 127 cards open to the public; the lowest income asked is ₱480,000 a year, on the Security Bank Wave Mastercard.
Fees and rates as printed on Security Bank's fee table (dated 29 August 2025); contact and application details from Security Bank's own site; the interest ceiling is set by the Bangko Sentral ng Pilipinas in BSP Circular No. 1165, s.2023.
BSP supervised: Security Bank Corporation, universal and commercial bank, BSP institution ID 2, is on the BSP Verifier list dated Sep 28, 2026.
Security Bank credit card hotline and customer service
| Card hotline | (02) 8887-9188 or 1-800-1-888-1250 24 hours. The 1-800 number is toll-free from PLDT landlines.Security Bank contact page |
|---|---|
| Lost or stolen card | (02) 8887-9188 Report it on the 24-hour hotline, at any branch, or with the lost or stolen card form on Security Bank's help centre. Replacement costs ₱400 and takes 5 to 7 banking days in Metro Manila, 7 to 10 in the provinces.Security Bank contact page |
| Other channel | Credit card email: customercontact@securitybank.com.ph (general: customercare@securitybank.com.ph) bank page |
| Other channel | In-app chat (Help & Support, Chat with us) with live agents 24 hours; Facebook Messenger live agents 6 AM to midnight bank page |
Call only the numbers printed on Security Bank's own site.
How to apply for a Security Bank credit card
Which Security Bank card to pick
| If | Pick | Why | Watch out |
|---|---|---|---|
| You want the lowest cost | Security Bank Wave Mastercard | Cheapest Security Bank card on a ₱20,000 balance paid off in 3 months plus a year of fees: ₱1,212. | Foreign currency purchases cost 2.5% extra. |
| You are applying for your first card | Security Bank Wave Mastercard | Lowest stated income requirement at Security Bank: ₱480,000 a year. | Foreign currency purchases cost 2.5% extra. |
| You want a travel and miles card | Security Bank Platinum Mastercard | Lowest yearly fee among Security Bank's travel and miles cards: ₱4,000 a year. | The ₱4,000 fee is charged every year after the waiver ends. |
| You want a cash back card | Security Bank Wave Mastercard | Lowest yearly fee among Security Bank's cash back cards: No annual fee. | Foreign currency purchases cost 2.5% extra. |
Every Security Bank card compared
| Card | Annual fee | Interest a month | Minimum income | Cash advance fee | Fee waiver | Source |
|---|---|---|---|---|---|---|
| Security Bank Wave Mastercard | No annual fee | 3% | ₱480,000 a year | ₱200 | No fee, no conditions | Security Bank credit card fees and charges, as of August 29, 2025 |
| Security Bank Gold Mastercard Closed to new applicants | ₱2,500 a year | 3% | ₱480,000 a year | ₱200 | Closed to new applicants | Security Bank credit card fees and charges, as of August 29, 2025 |
| Security Bank Complete Cashback Platinum Mastercard Closed to new applicants | ₱3,000 a year | 3% | ₱780,000 a year | ₱200 | Closed to new applicants | Security Bank credit card fees and charges, as of August 29, 2025 |
| Security Bank Platinum Mastercard | ₱4,000 a year | 3% | ₱780,000 a year | ₱200 | Waived in the first year only | Security Bank credit card fees and charges, as of August 29, 2025 |
| Security Bank World Mastercard | ₱5,000 a year | 3% | ₱3,000,000 a year | ₱200 | Charged every year | Security Bank credit card fees and charges, as of August 29, 2025 |
Source: Security Bank fees and charges and each card's product page. Networks: Mastercard. 2 cards are closed to new applicants.
How Security Bank bills: minimum due, fees and interest
| Minimum amount due | 3% of the total amount due or ₱500, whichever is higher, plus any over-limit and overdue amounts. On a first statement of ₱20,000 in new purchases, that is ₱600. Paying only the minimum at 3% a month, with no new spending, ₱20,000 takes about 355 months to clear and costs about ₱170,925 in interest. source |
|---|---|
| Late payment fee | PHP1,000 (USD20) or unpaid minimum amount due, whichever is lower. Security Bank credit card fees and charges, as of August 29, 2025 |
| Foreign transactions | 1% Mastercard assessment fee plus 1.5% service fee on converted foreign currency transactions. Security Bank credit card fees and charges, as of August 29, 2025 |
| How interest is computed | Interest is charged on the average daily balance for the month. source |
| Fee table date | 29 August 2025. source |
| BSP ceilings | 36% a year (3% a month) on interest, a 1% a month add-on on instalments, and ₱200 on the cash advance processing fee with no other fee allowed, under BSP Circular No. 1165, s.2023. BSP Circular No. 1165, s.2023 |
To see what a balance costs at Security Bank's rate, use the credit card interest calculator.
Paying your Security Bank card, and promos
- Security Bank Online
- Over the counter at any Security Bank branch
- Any Security Bank ATM
- Bank partners and payment centers
- Auto-debit from a Security Bank account (enrol at a branch)
- Payments post within 2 to 3 banking days
Security Bank credit card questions
What is the Security Bank credit card hotline?
(02) 8887-9188 or 1-800-1-888-1250 (24 hours. The 1-800 number is toll-free from PLDT landlines). To report a lost or stolen card: (02) 8887-9188. These are the numbers on Security Bank's own website.
What are the requirements for a Security Bank credit card?
The lowest income Security Bank states for a card it offers to the public is ₱480,000 a year, on the Security Bank Wave Mastercard.
How much is the Security Bank credit card annual fee, and can it be waived?
Annual fees run from ₱0 to ₱5,000. 1 card has no annual fee: Security Bank Wave Mastercard. 3 cards waive the fee in the first year only.
What is the Security Bank credit card interest rate?
3% a month on balances left unpaid after the due date; the BSP cap is 3% a month (36% a year). The minimum amount due is 3% of the total amount due or ₱500, whichever is higher, plus any over-limit and overdue amounts.
How do I pay my Security Bank credit card bill?
Security Bank Online; Over the counter at any Security Bank branch; Any Security Bank ATM; Bank partners and payment centers; Auto-debit from a Security Bank account (enrol at a branch); Payments post within 2 to 3 banking days.
What is the best Security Bank credit card?
On cost, the Security Bank Wave Mastercard (₱1,212 on a ₱20,000 balance over 3 months plus a year of fees, 2nd of 127 cards open to the public).
Cards and your taxes
Card fees and interest do not lower the tax on a salary: Section 34 of the Tax Code allows no deductions against compensation income. A self-employed cardholder who takes the 40% optional standard deduction gets it in place of itemized expenses, so card charges do not reduce tax there either.