Gold MC
Gold
Security Bank · Mastercard · Gold
Gold MC
Why pick it: Never-expiring points you can turn into miles
Gold points card: 1 point per ₱20 on all spend, redeemable for miles or Pay with Rewards; ₱2,500 annual fee.
- Score
- 27 /100
- Status
- Closed to new
- Annual fee
- ₱2,500
Basic points card. Temporarily unavailable ito ngayon ayon sa bank page, at hindi ka naman nawawalan ng malaki.
Bottom line: May card ka na ba nito? Keep it kung okay sa'yo ang fee, pero huwag umasa sa waiver. Kung naghahanap ka ng bago, mag-explore ng ibang option, kasi temporarily unavailable ito ayon sa bank page.
Read the full take: the math, what's good, what hurts
Hawak mo na ba ito? Sa typical household (~₱825k a year), umaabot sa ~₱1,500 ang rewards, at ang travel value ay ~-₱1,000 dahil sa foreign fee. Annual fee: ₱2,500. Sabi ng FAQ ng bank, standard charge ito at hindi generally waived; kung hihilingin mo pa rin, ang bank ang magpapasya 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
- Hindi mag-e-expire ang points, ayon sa page.
- Free for life ang first supplementary card, at waived ang annual fee sa first year.
- Ayon sa page, puwedeng i-redeem ang points para sa flyer miles.
What's bad
- 1 point per ₱20 ang earn, na mababa.
- Malaki ang singil sa foreign transactions (2.50%: 1% Mastercard assessment fee plus 1.5% service fee, per the fees table), at wala sa page ang bonus category na pambawi.
- Per the rewards T&C, hindi kumikita ng points ang Meralco at PLDT bills na naka-enroll sa Bills Assist.
- Hindi nakalista sa page ang free lounge; preferential rate lang sa local lounges ang makukuha mo.
The catch: Ayon sa bank page at sa card listing, temporarily unavailable ang card, kaya baka bumalik pa. Per the page, ₱480,000 a year ang income requirement at ₱2,500 ang annual fee (fees table dated Aug 29, 2024 at Aug 29, 2025).
Rechecked on the bank page on 2026-10-24. Not on the page: international lounge access; bonus categories. 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 ₱2,500 annual fee (on request; the bank decides)
- To qualify:
- ₱480,000 a year income; Bank listing flags card currently unavailable for new applications (closed to new)
- Bank service:
- Worse than typical.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value5 / 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 ₱2,500 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% installments11 / 15
0% installment network: fair. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 21 live promos tracked. How it is scored
- Points flexibility5 / 10
7 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
Gold 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
- ₱2,500
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱480,000 a year
- Also needs
- Bank listing flags card currently unavailable for new applications
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, Qatar Avios, Turkish Miles&Smiles, Ethiopian ShebaMiles
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- Points don't expire; 7 airline partners
Live and upcoming promos (21)
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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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.