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Security Bank Credit Cards

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DESCRIPTIONS:

Many Filipinos nowadays are considering getting their own credit card but the process of choosing which one to get can be overwhelming because of many choices offered by different banks. First time credit card seekers often choose mainstream credit cards offered by more popular banks, but if you do your research, you can find more options that can be more suitable for your finances.

Security for your finances

Security Bank is often overlooked by first-time credit card users because of bigger and more often used credit cards. However, Security Bank offers a good selection of credit cards tailored for the needs, lifestyle, and personal preferences of different users. A credit card from Security Bank can also qualify you for perks such as five supplementary cards for your immediate family, flexible payment options with an installment program, and convenient payment facilities.

Basic Security Bank credit cards

Security Bank has a line of MasterCard Gold/Classic credit cards, which you can choose if you are first time credit card user. These credit cards give you a waived annual membership fee on your first year, and you can issue a maximum of five supplementary credit cards. It also qualifies you for the Evergreen Rewards points, where every P30 you spend qualifies you to one point.

The interest rate is considered low at 3.25% on transactions, and it also offers a Cash Advance Facility of a maximum of 50% for the MasterCard Gold. Meanwhile, a 30% Cash Advance Facility is offered to the MasterCard Classic.

24-hour customer support

Users can feel secure with their credit card in case they encounter problems or have questions because the customer contact center is available 24/7 and accessible by phone. Paying for bills is also easy with Security Bank’s convenient payment facilities and bills assist program, and users can also qualify for the ChargeLight Installment Program which makes it easy for them to pay for pricey purchases.

Special credit cards

Security Bank also offers specifically tailored credit cards for corporate use and for frequent travelers, such as the Diners Club Premier/International and the MasterCard Corporate Credit Card. The Platinum MasterCard is also offered by Security Bank and it is useful for frequent spenders and travelers who like first class treatment when using their credit card.



Featured Credit Cards:

MABUHAY MILES WORLD MASTERCARD


FEATURES:

  • Enjoy an annual fee of only Php6000 for the primary card and Php3000 for the supplementary cards. But guess what, the first year is actually for free for both cards
  • Pay a cash advance rate of only 3.25%
  • Cash advance fee of only Php50 plus 5%, whichever is higher.
  • Get individual Dollar and Peso billings for your international and local transactions.
  • Avail of free flights out of the country with the Mabuhay Miles World MasterCard that has the lowest point of Mile conversion of only Php38!
  • Relish on customized assistance as you get special access to the Allied World Service.

RCBC Bankard MasterCard


FEATURES:

  • Do anything you want, anywhere you want in any currency you want and pay them when your back home
  • Gain cash with RCBC Bankard MasterCard because it allows you as much as 30% of your credit limit.
  • Keep your mind at ease with 24/7 customer service anywhere from 20 countries in the globe

RCBC Bankard Diamond Card


FEATURES:

  • Finance Charge: 2.75 %
  • Balance Transfer Rate: 1.488% (6months)
  • Annual fee of only Php2,500
  • Cash advance service fee 300% or 5%, whichever is higher

The EDGE MasterCard | BPI Credit Card


FEATURES:

  • Pay a monthly fee of just Php110!
  • Get wonderful discounts and privileges with the trendiest shops and stylish clubs!
  • Avail of finance charge of 3.4%
  • Reload your mobile phone automatically thru SMS and get 24/7 access to credit limit online and through your phone!
  • Maximize your spending power with the BPI Edge MasterCard as you enjoy discounts and perks with your friends in over 30 million institutions worldwide!
  • Earn 1 Reward Points with just Php50 worth of transaction charged with your card!

Featured Articles:

MANAGE YOUR MONEY: USE YOUR CREDIT CARD WISELY

Like majority of things in life, credit cards give us power that we could use to maximize our way of living. We should learn to use it wisely to avoid any hassles in the future.

But what are really the advantages of having a credit card? We, at comparecreditcards.com, did a survey about the merits of having a credit card and you will be surprised at what came out…

It is a lot easier to buy things with a credit card. It gives you purchasing power that can let you buy things without you having to carry huge amounts of cash around.

You get added security if in case something you bought got lost, stolen or damaged. With both your credit Card Company and your credit card statement guaranteeing you made the purchase, you could actually get insurance on whatever you bought.

Having a good credit history not only helps you apply for a new credit card, but also helps you build a solid financial foundation when applying for other things like loans or sometimes even jobs.

Although we should avoid any expenses that is way out of our budget, it is sometimes unavoidable due to emergencies like fire, floods and the like. But the worst thing is it leads to large purchases in huge amounts of money. With a credit card, you can use money with cash advances and worry about paying it later once you’re back on track.

In addition to those, a credit card also presents further benefits like discounts, free air miles and insurances. But you have to remember that credit card companies start making money once you can’t afford paying off your charges!

The benefits of having a credit card are real and are very helpful on the condition that you take into account your spending limits.

Life is made easier with a credit card, but if used unwisely, they become financial break downs for you. If you do decide to get yourself a credit card, keep in mind these following rules:

  • Track all of your purchases.
  • Never spent beyond your budget.
  • Settle your balance at the due date.

Always bear in mind the responsibility of having a credit card. Spend within your budget and use it wisely.