World MC
World
Security Bank · Mastercard · World
World MC
Why pick it: 6 lounge passes and ₱10M travel insurance
Premium points card: 3 points per ₱20 on all spend, unlimited local lounges, six Mastercard Travel Pass visits a year, up to ₱10M travel insurance.
- Score
- 50 /100
- Rank
- #19 of 123
- Annual fee
- ₱5,000
6 free international lounge passes, plus up to ₱10M travel insurance. Pero ₱3M a year ang income bar, at mataas ang foreign fee.
Bottom line: Pasok ka ba sa ₱3M na income at madalas kang lumipad abroad? Sulit ang lounge at insurance dito.
Read the full take: the math, what's good, what hurts
Para sa typical household (~₱825k a year), umaabot sa ~₱5,500 ang balik, plus ~₱2,500 na travel value pagkatapos bayaran ang foreign fee (2.50%). ₱5,000 ang annual fee. Per the bank's FAQ, standard charge ito at hindi generally waived. #19 ito sa 123 open cards, 50 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
- 6 free international lounge passes via Mastercard Travel Pass. Our latest info says shared sa guests mo ang passes, pero hindi nakasaad sa page ang guests o ang period, kaya i-check kung per year.
- Up to ₱10M ang travel insurance at up to ₱12,000 ang e-commerce protection; walang nakalistang conditions sa page.
- 3 points per ₱20 sa regular spend, at hindi nag-e-expire.
- Free for life ang first supplementary card.
What's bad
- Kailangan mo ng ₱3M a year na gross income, 1 year bilang regular employee, at SOA mula sa card ng ibang bank.
- Mataas ang foreign fee: 2.50%.
- Flat lang ang earn at walang bonus category sa page. Per the rewards T&C, walang points ang Meralco at PLDT bills na binayaran via Bills Assist.
The catch: Ayon sa page, para lang sa international flights ang unlimited local lounge access; hindi kasama ang domestic.
Rechecked on the bank page on 2026-10-28. Not on the page: travel insurance conditions; 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 ₱8,000 in rewards (₱5,500) and travel value (₱2,500), before the ₱5,000 annual fee (on request; the bank decides)
- To qualify:
- ₱3,000,000 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
#19 of 123 cards open to new applicants, and #26 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value21 / 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 spend12 / 37
About ₱5,500 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 ₱5,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend4 / 10
About ₱2,500 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% installments12 / 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 24 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 path4 / 5
World 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 ₱5,500 a year in rewards and ₱2,500 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
- ₱5,000
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱3,000,000 a year
- Also needs
- Self-employed: 12 months as a Security Bank depositor
Rewards
3 BetterBanking points per ₱20. USD-billed foreign spend earns 3 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
- 6 a year
- Local lounge
- unlimited
- Travel insurance
- Up to ₱10,000,000, covers family
Strengths
- 6 free international lounge visits a year
- Unlimited local lounge access
- Travel insurance up to ₱10M covering family
- Points don't expire; 7 airline partners
Live and upcoming promos (24)
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…
- Security BankEnds Mar 31, 2027All Security Bank credit cards
- Security BankOngoingAll Security Bank credit cards
- Security BankEnds Dec 31, 20265 Security Bank cards: Gold MC, Wave MC, Complete Cashback Platinum MC…
- Security BankOngoing5 Security Bank cards: Gold MC, Wave MC, Complete Cashback Platinum MC…
Show 19 more
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- Security BankEnds Dec 31, 2026Security Bank World MC
- Security BankEnds Apr 30, 2027All Security Bank credit cards
- Security BankEnds Nov 30, 2026Register first4 Security Bank cards: Wave MC, Gold MC, Platinum MC…
- Security BankEnds Dec 31, 20265 Security Bank cards: Gold MC, Wave MC, Complete Cashback Platinum MC…
- Security BankEnds Dec 31, 2026All Security Bank credit cards
- MastercardEnds Dec 31, 202616 Mastercard cards: World MC, World Elite MC, Destinations World MC…
- Security BankEnds Dec 31, 2026Security Bank World MC
- Security BankEnds Nov 14, 2026All Security Bank credit cards
- Security BankEnds Dec 31, 2026All Security Bank credit cards
- Security BankEnds Feb 4, 2027Register first4 Security Bank cards: Wave MC, Gold MC, Platinum MC…
- 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
- Inditex brands (Zara, Massimo Dutti, Pull & Bear, Stradivarius, Bershka, Oysho): 0% up to 6 monthsScore 55Security BankOngoing5 Security Bank cards: Gold MC, Wave MC, Complete Cashback Platinum MC…
- 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.