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To view complete FAQs, go here
How do I earn Rewards Points?
You will earn 1 Rewards Point for every P20 usage on your card. Points earned can be used to  items such as airline miles, items, electronic gift certificates. They do not expire. Click here to visit our rewards page.

Where can I check how many Rewards Points I have earned?
Your total rewards points are reflected in your monthly statement of account.

Where can I redeem with my rewards points? How do I redeem?
You can view & redeem your Rewards Points . Another option is to redeem your points through our Customer Service Hotline.

What is the income required to have a Complete Cashback Credit Card?
To apply for a Complete Cashback Credit Card, the applicant must have a minimum gross annual income of Php 360,000.

I already have an existing Security Bank credit card, can I still apply for Complete Cashback? What will happen to my credit limit?
Yes, you can apply for a Complete Cashback credit card by sending an email with the last 4-digit of your existing Security Bank credit card, complete name and contact details at Your credit limit will remain the same but will be shared across all your Security Bank credit cards.

Who can and cannot apply?
Everyone (except for Security Bank employees) can apply for the Complete Cashback provided that they meet all the eligibility requirements for a Security Bank credit card.

For gas, is there a specific gas company/brand?
No specific gas company/brand. All are qualified for rebate so long as the merchant falls under the Gas MCC Code 5541, as determined by their acquiring banks.

Is there a minimum spend requirement to get the cashback?
No, there is no minimum required spend. You earn rebates regardless of how much you spend.

For utilities, do I need to go to the merchant to have my card swiped at Point of Sales (POS)?
Yes, all transactions for utilities must be swiped at the merchant’s POS.

Are online transactions eligible for rebates?
No, online transactions are not qualified. Only swiped transactions where card is physically present are eligible to earn rebate.

Are overseas transactions qualified?
No only local retail transactions are qualified for cashback.

Are in-store installment purchases qualified to earn rebates?
Yes, rebates will be awarded as the amortization is billed.

Are utilities enrolled in Bills Assist qualified to earn rebate?
No, utilities enrolled to Bills Assist are not qualified for cashback.

Meralco does not accept over-the-counter or swiped transactions so how can I earn the rebate?
While Meralco falls under a qualified MCC, card acceptance ultimately lies with the merchant similar to all credit card transactions.

Do I earn rebates on insurance companies, hospitals?
No, health and service providers are not qualified Merchant Category. Where do I get the rebate? The rebate will be credited to your account. Rebates on qualified purchases posted from 12th of the previous month to 11th of the current month will be reflected in your current month SOA. e.g. Rebate on qualified purchase posted on Nov 12 will be reflected on your Dec SOA Rebate on qualified purchase posted on Nov 11 will be reflected on your Nov SOA

Is there a cap on the rebate?
Yes, the maximum cap is Php 1,000 monthly.

Is there a separate cap for my supplementary?
No, the principal cardholder and the supplementary card/s share the same cap.

Can I get my rebate in cash?
No, rebates are not convertible to cash nor can it be transferred to your other card.

Are pharmacies included in the rebate?
Since most pharmacies identified by their MCC code to be shopping, you are likely to earn a 1% rebate.

Do I have to call to redeem my rebate?
There’s no need to call. Your rebate will be automatically credited to your balance.

How do I avail of Cash Advance and how much can I avail?
You may avail of Cash Advance at any Security Bank ATM using your Cash Advance PIN. Cash Advance PINs can be requested by calling our 24-Hour Customer Service Hotline 88-791-88. Delivery time is 7-10 banking days for Metro Manila and 10-14 banking days for Provincial. You may avail up to 50% of your available credit limit (max. of P100,000) depending on your card type.

Can I use my credit card for installment purchases?
Yes. You may use your cards for installment purchases at participating merchants. Click  for the list of merchants.

Can I request for a credit limit increase?
Yes. You may request for an increase in credit limit if you have owned a Security Bank Credit Card for at least 12 months. Your request will be evaluated based on additional documents that you need to submit (at least one):

  1. Latest ITR
  2. Last 3 months payslip
  3. Certificate of Employment

You may request for a credit limit increase online .

Can I transfer balances from my other credit cards to my Security Bank credit card?
Yes, we offer our Balance Transfer program at regular rates year-round. You can transfer balances from pretty much any credit card in the Philippines including your BDO credit card, BPI credit card, Citibank credit card, or Metrobank credit card. You may also check out our  for more details.

How do I enroll my credit card to Security Bank Online?
To enroll your credit card to online banking, you need to create an account . Activation can be done:

  1. Via any Security Bank ATM with your Cash Advance PIN.
  2. Print & send the scanned form to SB Cards via  or to .

Your account will be ready for use within 5 to 7 banking days from activation.

Can I use my Security Bank credit card overseas?
Yes, as long as the merchant accepts Mastercard.

Can I use my credit card to pay for online purchases?
Yes, you may use your Security Bank credit card for online purchases – at any merchant that accepts Mastercard.

Can I pay for my utility bills using my Security Bank credit card? How do I enroll?
Yes, you can consolidate all your monthly utility bills (e.g. electricity, water, cable, etc.) through the . Monthly billings will be automatically charged to your Security Bank credit card. Bills Assist transactions also earn rewards points (except Meralco and PLDT). Note: Complete Cash Back Mastercard credit cards do not earn points.

How will I be notified of card promotions or events?
There are regular e-mail blasts to be sent to your registered e-mail address. New promos may also be found on your monthly Statement of Account and our .

What is Single Limit?
Single Limit is the total credit limit assigned to you across all your Security Bank credit cards. It is the maximum amount that a cardholder can spend on any of the cards, provided that the sum of the outstanding balances on all of the cards does not exceed the Single Limit.

What happens to my due payment date?
The due date of your credit cards will remain the same. This means that you have the flexibility to exhaust your Single Limit on the card that has the most convenient due date for you. It empowers you to match your spend to your lifestyle by choosing which card you want to exhaust the limit on (without the need to submit additional requirements)—whether it’s Complete Cashback, Rewards Platinum or Mastercard Rewards.

How do I request for credit limit increase
If you find that the credit limit currently provided to you is insufficient, you may request for a credit limit increase through the hotline at 88-791-88. Please note that your request will still be subject to verification and approval based on the income documents that you will provide.

What should I do if I lose my credit card?
IMMEDIATELY call SBC’s 24-Hour Customer Contact Center at (02) 88-791-88 to report a lost or stolen card & and request for card replacement.

Will I be notified every time I use my card?
No. You will only be notified if there any unusual or out-of-pattern transactions made on your card. We will then request for your confirmation of the transaction to ensure that these are authorized by you.

What is the CVV number?
The CVV number is the last 3-digit number located at the back of your card, on your signature panel. It is mainly used for online or mail order/telephone order purchases. We highly recommend you do not divulge this number to anyone.

How do I inquire about my balances?
You can get your monthly balances through:

  1. Self-serve menu at (02) 88-791-88
  2. Monthly Statement of Account (SOA)
  3. Electronic Statement
  4. 24-Hour Customer Contact Center at (02) 88-791-88

Where can I pay my credit card?
You can view all our .

What should I do if I do not receive my statement of account?
You may check your balances via online banking or eSOA. For assistance you may also contact our 24-Hour Customer Contact Center at (02) 88-791-88.

How much is the minimum payment required?
The minimum amount due is 4% of your total revolvable transactions plus all non-revolvable transactions, or Php500, whichever is higher. For Mastercard World, minimum amount due is 5% of your total revolvable transactions plus all non-revolvable transactions, or Php500, whichever is higher.

When do I get my statement of account?
For electronic statements (eSOA), you will receive on your registered email 3-5 days after your cutoff. For printed copies, you will receive at your billing address within 7-10 days after your cutoff.

What is the benefit of paying only the Minimum Amount Due? Total Amount Due?
You have the flexibility of paying any amount between your minimum amount due and your total amount due. Interest charges only apply if you pay below your total amount due.

What is the difference between due date and statement date?
The statement date is the last day on which transactions can be posted to your account for that statement. The payment due date is the date when you must make your payment without incurring late fees or other penalties.

How is the interest charge computed?
Any unpaid balance from the previous month (Total Amount Due less Amount Paid), interest charge is applied to that balance. The interest is based on the Average Daily Balance for that month. Click  for full list of fees and charges.

What will happen if I miss a payment on my credit card?
A late payment fee will be billed to your account on top of other transactions. Click here for a full list of fees. Your account will also have a history of being overdue, and may be reported to credit bureaus.

Is there a grace period if I pay a day or two after my due date?
No. Should your due date fall on a weekend or holiday, we suggest you settle your payables before your due date so as to avoid incurring late payment fees and interest charges.

How do I enroll my credit card to electronic statement?
To enroll in our electronic Statement of Account, you may fill out our  or you may call our hotline at 88-791-88

What should I do if I lose my credit card?
IMMEDIATELY call SBC’s 24-Hour Customer Contact Center at (02) 88-791-88 to report a lost or stolen card & and request for card replacement.

Will I be notified every time I use my card?
No. You will only be notified if there any unusual or out-of-pattern transactions made on your card. We will then request for your confirmation of the transaction to ensure that these are authorized by you.

What is the CVV number?
The CVV number is the last 3-digit number located at the back of your card, on your signature panel. It is mainly used for online or mail order/telephone order purchases. We highly recommend you do not divulge this number to anyone.





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