Platinum MC
Platinum
Security Bank · Mastercard · Platinum
Platinum MC
Why pick it: ₱10M travel insurance and 2 lounge passes
Mid-premium points card: 2 points per ₱20 on all spend, two Mastercard Travel Pass lounge visits a year, up to ₱10M travel insurance.
- Score
- 39 /100
- Rank
- #36 of 123
- Annual fee
- ₱4,000
Up to ₱10M insurance plus 2 free lounge passes. Pero ₱4,000 ang fee para sa 2 points per ₱20 lang.
Bottom line: Kaya mo bang abutin ang ₱780k na income bar at lumipad ng ilang beses a year? Pwede. Kung rewards lang ang habol mo, mas malaki ang kita sa ibang cards.
Read the full take: the math, what's good, what hurts
Sa card na ito, ~₱3,500 ang kita ng typical household (~₱825k a year) at ~₱1,000 ang travel value. Annual fee: ₱4,000. Ayon sa FAQ ng bank, standard charge ito at hindi generally waived. #36 ito sa 123 open cards, at 39 ang score.
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
- 2 free international lounge passes via Mastercard Travel Pass. Hindi nakasaad sa page ang period.
- Up to ₱10M sa travel insurance at up to ₱12,000 na e-commerce purchase protection, walang conditions na nakalista sa page.
- 2 points per ₱20 sa regular spend, at walang expiry ang points, per the page.
What's bad
- Kailangan mo ng ₱780k a year na gross income at 1 year bilang regular employee.
- Flat ang earn, at mataas ang foreign transaction fee (2.50%).
- Per the rewards T&C, walang points ang Meralco at PLDT bills na binayaran via Bills Assist.
The catch: May isang section sa page na nagsasabing 3 points per ₱20 at USD100,000 ang insurance. Pero 2 points ang nasa rewards T&C, at ₱10M ang insurance sa main table, kaya iyon ang ginamit namin.
Rechecked on the bank page on 2026-10-28. Not on the page: travel insurance conditions; local lounge access; period of the lounge passes (per year or otherwise). 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 ₱4,500 in rewards (₱3,500) and travel value (₱1,000), before the ₱4,000 annual fee (on request; the bank decides)
- To qualify:
- ₱780,000 a year income; Self-employed: 12 months as a Security Bank depositor
- Bank service:
- Worse than typical.
Who can apply
- Age:
- 21 to 65.
- Employment:
- Regular employee for 1+ year, or self-employed and profitable for 3+ years. Self-employed applicants must also be a Security Bank depositor for 12+ months.
- Existing card:
- Another route: an existing primary cardholder for at least 1 year.
Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.
Score breakdown, fees, rewards and perks
Score breakdown
#36 of 123 cards open to new applicants, and #51 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value13 / 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 spend8 / 37
About ₱3,500 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 ₱4,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend3 / 10
About ₱1,000 of travel value on one trip abroad a year, after the 2.50% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and travel insurance, though insurance counts only a little toward this figure and the score. 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 flexibility9 / 10
7 airline partners, and points that do not expire. 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 ₱3,500 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
- ₱4,000
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱780,000 a year
- Also needs
- Self-employed: 12 months as a Security Bank depositor
Rewards
2 BetterBanking points per ₱20. USD-billed spend earns 2 points per USD 1. Bills enrolled in Bills Assist auto-pay earn no points, and quasi-cash carries a 5% fee.
- 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
- 2 a year
- Local lounge
- None
- Travel insurance
- Up to ₱10,000,000, covers family
Strengths
- 2 free international lounge visits a year
- Travel insurance up to ₱10M covering family
- 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.
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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.