For significant purchases, you need a credit card with extensive purchasing power and plenty of benefits. The Security Bank Gold Mastercard is just that.
Learn about its features, benefits, pros, and cons to see if it’s the right card for you. Read on for our Security Bank Gold Mastercard review.
Security Bank Gold Mastercard Key Features
- Annual fee: ₱2,500 (waived for the first year)
- Interest rate: 3%
- Gross annual income requirement: ₱360,000
- Cash advance fee: ₱200
- Late payment fee: ₱1,000 or unpaid minimum amount due, whichever is lower
- Overlimit fee: ₱500
- Foreign transaction fee: 1% Mastercard assessment fee, 1.5% service fee
- Card replacement fee: ₱400
❓ Who is the Security Bank Gold Mastercard Ideal for?
The Gold Mastercard from Security Bank is a rewards credit card with a higher credit limit. It’s ideal for experienced credit cardholders who want to earn rewards points and get access to exclusive promos from partner merchants and establishments. This is for you if you’re looking for a full range of benefits in one credit card.
Why Should I Get a Security Bank Gold Mastercard?
The Gold Mastercard has one of the lowest gross annual income requirements and annual fees among Security Bank credit cards. But is this Security Bank credit card good enough? Here are the things that make this card a must-have.
✔️ Exclusive Welcome Gift from Moneymax
Getting a Security Bank credit card just got more rewarding—especially if you apply via Moneymax. An exciting welcome gift awaits when you apply, get approved, and meet the spending requirement.
🎁 Free Gift from Moneymax: ₱2,500 eGift, Sony Wireless Headphones, or De'Longhi Blade Coffee Grinder
Eligible cards: Select Security Bank credit cards
Promo period: Until November 11, 2023
Want a credit card from Security Bank? You're in for a treat if you apply and get approved for an eligible card through Moneymax and meet the minimum spend requirement. Pick your free Security Bank welcome gift: a ₱2,500 Giftaway eGift voucher, Sony WH-CH520 wireless headphones (worth ₱3,299), or a De’Longhi Blade Coffee Grinder (worth ₱3,800).
Per DTI Fair Trade Permit No. FTEB-175575 Series of 2023. Terms and conditions apply. This Moneymax Security Bank Giftaway/De'Longhi credit card promo runs until November 11, 2023 only. Apply now!
✔️ Shop, Earn Points, and Redeem Rewards
Unlike when you shop with cash, you earn rewards points whenever you pay with your Security Bank Gold Mastercard. Earn one reward point for every ₱20 spent. Accumulate these points to redeem rewards anytime you want because these points don’t expire.
Qualified Security Bank credit cardholders also get the chance to win one million reward points via the SBC Points Raffle Promo. Until August 31, redeem any item from the rewards catalog to earn raffle entries (one rewards redemption = one raffle entry). So start redeeming those Security Bank Gold Mastercard rewards ASAP!
✔️ Security Bank Gold Mastercard Annual Fee Waiver
As a bonus, you won't have to worry about paying annual fees when you first get your card. Enjoy waived fees during your first year!
What Other Perks Can I Enjoy with a Security Bank Gold Mastercard?
Curious to know more about Security Bank Gold Mastercard benefits? Here are things you can enjoy with your Gold Mastercard.
👉 Convenient Worldwide Acceptance
No cash, no problem while you're abroad! You don’t need to stress yourself out looking for the nearest ATM to withdraw some money. Just pay with your Security Bank Gold Mastercard.
Enjoy worldwide acceptance at any establishment bearing the Mastercard logo. Swipe it almost anywhere and enjoy cashless payments 24/7.
👉 Exclusive Promos from Mastercard
Treat yourself to exclusive deals and discounts when you pay with your Security Bank Gold Mastercard. Shop at partner retail stores, enjoy some me time at your favorite beauty and wellness spots, and satisfy all your cravings at your go-to cafes and restaurants with your Security Bank Gold Mastercard.
👉 Supplementary Credit Cards for Your Family
Share your Security Bank Gold Mastercard credit limit with your family members and apply for up to five supplementary credit cards.
👉 Unlimited Airport Lounge Access
If you’re a frequent traveler, you know just how important it is to find a comfortable place in the airport to sit, eat, drink, or relax while waiting to board your flight. Use your unlimited Security Bank lounge access to the Marhaba Lounge at the NAIA 1 and 3. Avail of this service for just US$17 per visit (US$19 per person if you have a travel companion).
👉 Convenient Installments and Payments
Avail of Security Bank Gold Mastercard installment payments via ChargeLight, through which you can pay big purchases in three to 24 months at an add-on rate of 1%. Or use SimplyPay, a feature that allows you to pay anything requiring bank deposit payments with your Security Bank credit card.
👉 Secure Online Shopping
Enjoy an additional layer of protection whenever you check out your cart from your favorite e-commerce sites using your Security Bank Gold Mastercard. With SecureCode, you’ll always receive a one-time password to confirm your online transactions.
Think this card suits all your needs? Apply for the Security Bank Gold Mastercard through Moneymax now:
Best Security Bank Gold Mastercard Alternatives
Are there alternatives to the Security Bank Gold Mastercard? Yes, of course! You can check out Security Bank's lineup first:
Minimum Annual Income Requirement
Security Bank Platinum Mastercard
Security Bank Complete Cashback Mastercard
Security Bank World Mastercard
Here are other credit cards you may want to explore:
Looking for leveled-up rewards? Check out the UnionBank Rewards Credit Card.
Earn 1 non-expiring rewards point for every ₱30 spend. Triple the points when you shop and dine here and abroad. Use your accumulated points to redeem cash credits, gadgets, and more.
🎁 Free Welcome Gift: No Annual Fee for Life Plus Maximum Rewards for U!
Eligible card: UnionBank Rewards Credit Card
Promo period: Until October 31, 2023
Say goodbye to annual fees forever and hello to leveled-up rewards with your new UnionBank Rewards Card! Just apply via Moneymax and get approved within the promo period, and then meet the ₱20,000 spend requirement within 60 days from your card approval date.
This Moneymax UnionBank Rewards Credit Card No Annual Fee Promo runs until October 31 only. Per DTI Fair Trade Permit No. FTEB-172472 Series of 2023.
Note: The promo is exclusive to applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.
If you love dining out and shopping online, check out the Metrobank Titanium Mastercard®. Earn one point with every ₱20 you spend, and double reward points on online, dining, and department store purchases.
Apply for the Metrobank Titanium Mastercard® until December 31, 2023, and meet the spending requirement of ₱180,000 to enjoy no annual fees.
For serious foodies and shopaholics, it’s time for you to discover the perks and privileges of the Metrobank Platinum Mastercard®. Enjoy up to 50% discount on exclusive dining deals and free E-Commerce Protection Insurance when you shop online. Your first supplementary card also comes for free.
🎁 Free Gift from Moneymax: ₱2,500 eGift, Xiaomi Soundbar, or Mi Band 7 Smartwatch
Promo period: Until October 31, 2023
How do you get an awesome Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website. Choose from a ₱2,500 eGift voucher via Giftaway, Xiaomi Redmi Soundbar (worth ₱2,499), or a Xiaomi Mi Band 7 smartwatch (worth ₱2,499) as your free special gift!
Per DTI Fair Trade Permit No. FTEB-175599 Series of 2023. Terms and conditions apply. This Moneymax Metrobank eGift/Xiaomi promo runs until October 31, 2023 only. So hurry and apply now!
Note: Applicant must be an existing credit cardholder from any bank excluding Metrobank for at least 9 months.
Instead of rewards, how about earning cashback? Get more bang for your buck with the HSBC Gold Visa Cashback credit card and earn 5% cashback on dining and 0.50% on all other transactions. To qualify for this card, you must have a minimum monthly income of at least ₱16,667.
🎁 Free Gift from Moneymax: ₱2,500 eGift, ₱2,500 SM Gift Pass, or Dolce Gusto Coffee Machine
Eligible cards: HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate
Promo period: Until October 31, 2023
Not an HSBC credit cardholder yet? Apply for an HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting free welcome gift! Choose from a free eGift voucher worth ₱2,500, an SM Gift Pass worth ₱2,500, or a Nescafé Dolce Gusto Piccolo XS coffee machine (worth ₱5,199).
Per DTI Fair Trade Permit No. FTEB-173270 Series of 2023. Terms and conditions apply. This Moneymax HSBC Giftaway/SM Gift Pass/Dolce Gusto promo runs until October 31 only. So hurry and apply now!
The BPI Gold Mastercard is an excellent option for people who love shopping, dining out, or traveling. It lets you earn one BPI Point for every ₱35 spent, and you can redeem rewards such as air miles, gift vouchers, shopping credits, and more. Get special discounts, gifts, and installment deals from partner stores all year round.
Another excellent cashback credit card you can consider is the BPI Amore Cashback. Earn 4% cashback for groceries and essential household needs and 1% cashback on utilities and drugstore purchases. For all other local retail transactions in-store or online, you get 0.3% cashback.
Security Bank Gold Mastercard Review: Final Thoughts
If you have your eye on a Security Bank credit card, consider the Security Bank Gold Mastercard, which has one of the lowest gross annual income requirements and annual fees. However, it caters to more seasoned credit card users with higher incomes.
You can also get a Security Bank Gold Mastercard with no annual fee and exciting welcome gifts if you apply within the promo period and meet the spending requirement.
Hopefully, this Security Bank Gold Mastercard review helps you decide whether it’s the right credit card for your needs and lifestyle!