Classic MC
Classic
Security Bank · Mastercard · Classic
Classic MC
Why pick it: Never-expiring points that convert to miles
Legacy entry card: 1 BetterBanking point per ₱20 on all spend, redeemable for airline miles; ₱2,000 annual fee.
- Score
- 23 /100
- Status
- Closed to new
- Annual fee
- ₱2,000
Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.
Legacy card ito, at closed na ayon sa data.
Bottom line: May Classic ka na ba? Keep mo lang kung okay sa'yo ang ₱2,000. Kung wala ka pa nito, huwag mo nang habulin.
Read the full take: the math, what's good, what hurts
Kung hawak mo na ito, ang balik ng typical household (~₱825k a year) ay ~₱1,500, at ~-₱1,000 naman ang travel value, negatibo dahil sa foreign charge. Annual fee: ₱2,000. Sabi ng FAQ ng bank, hindi generally waived ang annual fee. May option pa ring hilingin ito sa bank, pero sila ang magdedesisyon sa bawat request.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- The first supplementary card is free for life, but only for cards issued from July 2022.
- Walang expiry ang points ng rewards cards ng bank, per the FAQ, pero hindi pinangalanan ang Classic doon.
What's bad
- 1 point per ₱20 lang ang earn ng Classic, per the rewards T&C, kaya maliit ang balik.
- Foreign transactions cost 2.50%: 1% Mastercard assessment fee plus 1.5% service fee, per the fees table.
- Hindi nag-e-earn ng points ang Meralco at PLDT bills na naka-enroll sa Bills Assist, per the rewards T&C.
- Lounge and travel perks for the Classic are not listed on the page.
The catch: Hindi namin makumpirma ang status. Wala ang Classic sa compare list ng bank page, kaya inference mula sa data ang closed. Walang sariling page ang card; fees table (dated Aug 29, 2024 at Aug 29, 2025) at rewards T&C lang ang meron. Manipis ang source namin dito, kaya kumpirmahin sa bank ang income requirement.
Rechecked on the bank page on 2026-10-24. Not on the page: own card page; Classic status (closed is inferred from absence in the compare list); Classic earn rate by name; minimum income; lounge or travel perks for Classic. Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱500 in rewards (₱1,500) and travel value (−₱1,000), before the ₱2,000 annual fee (on request; the bank decides)
- To qualify:
- ₱180,000 a year income; Legacy card not in current apply list; existing holders only (closed to new)
- Bank service:
- Worse than typical.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value6 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend4 / 37
About ₱1,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers12 / 16
A ₱2,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend1 / 10
About −₱1,000 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work
- Promos and 0% installments8 / 15
0% installment network: fair. Promos: fair, judged by what a typical household would likely save from the promos this card gets, past and current, with 14 live promos tracked. How it is scored
- Points flexibility5 / 10
4 airline partners, and points that do not expire. It counts for less here because the card earns little back on this spend. How it is scored
- Credit limit and upgrade path2 / 5
Classic card level, plus how Security Bank handles credit limit increases and card upgrades. How it is scored
- App and service3 / 5
Banking app: strong. Service: worse than typical. How it is scored
- Late fee1 / 2
A late fee of ₱1,000 for one missed payment. How it is scored
On the default spend: about ₱1,500 a year in rewards and −₱1,000 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- ₱2,000
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱180,000 a year
- Also needs
- Legacy card not in current apply list; existing holders only
Rewards
1 BetterBanking point per ₱20. Bills enrolled in Bills Assist auto-pay earn no points.
- Type
- Points
- Points expiry
- none
- Airline partners
- Cathay Asia Miles, PAL Mabuhay Miles, AirAsia Rewards, Cebu Pacific Go Rewards
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- Points don't expire; 4 airline partners
Watch out for
- Some details could not be verified
Live and upcoming promos (14)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- Security BankEnds Mar 31, 2027All Security Bank credit cards
- Security BankOngoingAll Security Bank credit cards
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- Security BankEnds Apr 30, 2027All Security Bank credit cards
- Security BankEnds Dec 31, 2026All Security Bank credit cards
Show 9 more
- Security BankEnds Nov 14, 2026All Security Bank credit cards
- Security BankEnds Dec 31, 2026All Security Bank credit cards
- Security BankEnds Jan 31, 2027All Security Bank credit cards
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- Security BankEnds Jan 31, 2027All Security Bank credit cards
- Security BankEnds Dec 31, 2026All Security Bank credit cards
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
- Security BankEnds Dec 31, 2026All Security Bank credit cards
What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.