Complete Cashback Platinum MC
Platinum
Security Bank · Mastercard · Platinum
Complete Cashback Platinum MC
Why pick it: 5% on groceries, 4% on gas, no minimum spend
Local in-store cashback card: 5% supermarkets, 4% fuel, 3% bills, 2% dining; capped ₱350 per category and ₱1,100 a month.
- Score
- 40 /100
- Status
- Closed to new
- Annual fee
- ₱3,000
5% on groceries, 4% on gas. Sayang, temporarily unavailable ito sa new applicants, per the bank page.
Bottom line: May card ka na ba nito? Keep it, lalo na kung groceries at gas ang malaki mong gastos, at i-swipe mo lang in-store. Kung wala ka pa, temporarily unavailable ito sa new applicants, per the page.
Read the full take: the math, what's good, what hurts
Kung hawak mo na ito, ~₱8,500 ang kita ng typical household (~₱825k a year). Negative ang travel side na ~-₱1,500 kasi hindi nag-e-earn ng rebate ang overseas transactions at 2.50% ang foreign fee, galing sa data. Annual fee: ₱3,000. Ayon sa FAQ ng bank, standard charge ang annual fee at hindi generally waived.
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
- 5% on groceries, 4% on gas, 2% on dining, 1% on shopping. May 3% sa utilities kung i-swipe sa counter ng biller.
- Hindi kailangan ng minimum spend para makuha ang rebate.
- Waived ang annual fee sa unang taon lang.
What's bad
- Capped ang rebate sa ₱350 per category a month at ₱1,100 a month overall.
- Per the card's terms and FAQ, swiped in-store lang ang nag-e-earn: hindi nag-e-earn ang online, overseas, recurring at Bills Assist payments.
- Per the bank's FAQ, rebate lang ito at walang points.
The catch: ₱780k a year ang required gross income, at galing sa fees table ng bank ang ₱3,000 na fee. ₱1,000 a month at ₱12,000 a year ang sabi ng BetterBanking T&C; ang sinunod namin ay ang ₱1,100 sa card page.
Rechecked on the bank page on 2026-10-24. 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 ₱7,000 in rewards (₱8,500) and travel value (−₱1,500), before the ₱3,000 annual fee (on request; the bank decides)
- To qualify:
- ₱780,000 a year income; Bank page says temporarily unavailable for new applications (closed to new)
- Bank service:
- Worse than typical.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value18 / 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 spend18 / 37
About ₱8,500 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 waivers0 / 16
A ₱3,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend0 / 10
About −₱1,500 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work
- Promos and 0% installments9 / 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 19 live promos tracked. How it is scored
- Points flexibility6 / 10
Cashback is simple to use but cannot move to an airline. How it is scored
- Credit limit and upgrade path3 / 5
Platinum 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 ₱8,500 a year in rewards and −₱1,500 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
- ₱3,000
- Supplementary fee
- ₱1,500
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱780,000 a year
- Also needs
- Bank page says temporarily unavailable for new applications
Rewards
Cash back on local, in-store swipes only, posted monthly: online, overseas, recurring and Bills Assist payments, and wholesale clubs, earn nothing. Utilities earn only when paid at the biller's counter. The 1% shopping rate covers department stores, apparel, hardware, electronics and drugstores.
Caps: ₱350 per month (groceries); ₱350 per month (fuel); ₱350 per month (utilities, telco bills); ₱350 per month (dining); ₱350 per month (department stores, drugstores); ₱1,100 per month (groceries, fuel, utilities, telco bills, dining, department stores, drugstores)
- Type
- Cashback
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Watch out for
- Rewards on groceries capped at ₱350 a month
Live and upcoming promos (19)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- Security BankEnds Dec 31, 2026Thursdays5 Security Bank cards: Gold MC, Wave MC, Platinum MC…
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- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
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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.