Security Bank Platinum Mastercard review, fees and requirements
Premium perks at a lower annual fee than most. Figures from a 2025 fee table; confirm with Security Bank.
Benefits of the Platinum Mastercard
Security Bank doesn’t publish benefits we could confirm. Check the card page before you apply.
Premium perks at a lower annual fee than most.
Figures from a 2025 fee table; confirm with Security Bank.
What it costs
- Annual fee
- ₱4,000/yr
- Supplementary card
- Ask the bank
- Interest
- Up to 3% a month (BSP cap)Only if you don’t pay the full balance by the due date
- Late payment
- Ask the bank
- Cash advance
- Ask the bankPlus interest from day one
- Foreign currency
- Ask the bank
What Security Bank asks for
- Gross income of about ₱65,000 a month (₱780,000 a year)
- No existing credit card needed
- A valid government ID and proof of income (payslips, COE or BIR Form 2316; ITR if self-employed)
- Age 21 or older is the usual rule for principal cardholders; check the bank’s form
Approval is the bank’s call. Applying where your salary or savings already are helps.
Cards to compare with the Platinum Mastercard
Similar cards from other banks, and the next level up.
Simple miles on everything if you fly a few times a year.
- 1 mile for every ₱30 on all purchases
- Up to ₱25 million travel coverage, medical included
Needs an existing card from another bank
- Annual fee
- ₱5,500/yrFrom listings; ask Metrobank
- Income needed
- ~₱83,300/moMetrobank
Needs another bank’s card for 9+ months with a ₱165,000+ limit.
See it on Metrobank Partly from the bank · confirm the rest · November 2026High spenders who want BPI’s top travel card.
- 2 BPI points for every ₱20
- Free lounge access at NAIA
- Up to ₱20 million travel accident and inconvenience cover
- Annual fee
- ₱5,500/yrFirst supplementary card free for life
- Income needed
- ₱100,000/mo₱100,000 a month
A ₱5,500 fee needs real travel or spending to earn back.
See it on BPI From the bank’s own pages · November 2026
Top-tier travel perks for very high earners.
- Annual fee
- ₱6,000/yr
- Income needed
- ~₱166,700/mo₱2,000,000 a year
Very high income rule. Most people do better with a no-fee card plus one travel card.
See it on RCBC From comparison listings · confirm with the bank · November 2026
Security Bank Platinum Mastercard: questions
₱4,000 a year for the principal card. Many banks waive it if you ask, use the card regularly or redeem points.
About ₱65,000 a month (₱780,000 a year), per comparison listings; confirm with Security Bank. Banks also look at your credit record and existing cards.
Usually not. Premium cards suit people with a longer credit record and a high income.
How this page works. Figures come from public comparison listings, checked November 2026. Banks change fees and rules and decide approvals case by case, so confirm on Security Bank’s page before you apply. If the button above is a partner link it says so; PesoPilot may earn a fee when an application is approved, at no cost to you, and it never changes what we say about a card. Educational, not financial advice.