100% approved credit card with savings account.
Guaranteed 80% credit limit of the hold out amount
Build your credit history and score with your secured credit card
What is a secured credit card?
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It is a type of credit card that is supported by a cash deposit or ‘holdout amount”.
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It allows you to customize the card type and credit limit of your choice, depending on the holdout deposit amount.
Benefits and Features
- Guaranteed approval
- 80% credit limit of holdout amount
- Waived annual fee for the first year
- No income documents required
- Earn interest on your holdout deposit with your savings account
Application Reminders
- Modes of Funding
You can fund your account with the holdout amount via interbank transfer, internal transfer within the SBC bank, or by visiting the nearest SBC branch to make a deposit.
- Funding Period
Once your Easy Savings Deposit Account has been successfully opened, the declared holdout amount must be funded to the account within seven (7) banking days
- Government-Issued Photo-Bearing ID with signature
Provide a clear and readable government-Issued photo-bearing ID with signature
Wave Mastercard
Minimum holdout amount: PHP25,000
- No Annual Fee Forever (no spend condition)
- Local lounge access at a preferential rate
- E-Commerce Purchase Protection insurance
Gold Mastercard
Minimum holdout amount: PHP25,000
- 1 BetterBanking point for every PHP20 spend
- Use your points to redeem free flights, shopping sprees and more through BetterBanking Rewards
Platinum Mastercard
Minimum holdout amount: PHP187,500
- 2 BetterBanking points for every PHP20 spend
- Redeem miles, shopping vouchers, dining GCs, and more, through BetterBanking Rewards
- 2 complimentary passes to local and international airport lounges
- Free travel insurance
Eligibility
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Filipino Citizen and Philippine Resident
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Must be between 21-65 years old
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Must have a valid government photo-bearing ID with signature
Required documents
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Valid government-issued photo-bearing ID with signature
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Completely filled out application form
How to apply
Ready to get a Fast Track Secured Credit Card?
Apply online nowFrequently asked questions
What’s a Fast Track Secured credit card?
The Fast Track Secured credit card is intended for individuals seeking to establish their credit history, with approval guaranteed according to the Terms & Conditions.
How can I apply for a Fast Track Secured credit card online?
Fast Track applications are available through Security Bank’s official website by navigating to Personal > Cards > Online Fast Track Card, or by visiting www.securitybank.com/personal/credit-cards/fast-track-online/ directly
What’s the credit limit that I will get for Fast Track Secured credit card?
The credit card limit may reach up to 80% of the designated holdout amount, with a minimum required holdout of PHP25,000.
What cards can I apply for a Fast Track?
You can apply for a Wave Mastercard, Gold Mastercard, or a Platinum Mastercard with corresponding minimum amount for holdout.
What is the minimum holdout amount per card type?
|
Card type |
Minimum holdout amount |
|
Wave Mastercard |
PHP25,000 |
|
Gold Mastercard |
PHP25,000 |
|
Platinum Mastercard |
PHP187,500 |
How long will it take to process my application?
Opening an Easy Savings deposit account takes two (2) calendar days. Once the new account is funded to meet the holdout requirement, it will take 10-12 banking days for the Fast Track Secured card to be processed.
Is there a deadline for funding holdout amount in my newly opened deposit account?
Yes, once the Easy Savings Deposit Account has been successfully opened, the declared holdout amount must be funded to the account within seven (7) banking days.
In the event that the newly opened Easy Savings Deposit Account lacks sufficient funds for the required holdout within the funding period, the Fast Track Secured card application will be cancelled but the customer can still continue to use the Easy Savings Deposit Account for regular banking transactions.
How long will my funded amount be tagged for holdout?
The funded amount will be tagged for holdout within three (3) banking days after it has been deposited into the newly opened Easy Savings Deposit Account.
How can I request the cancellation of Fast Track Secured credit card?
- To cancel pending applications, applicants may do the following:
- Call the Customer Contact Hotline at +632 8887-9188.
- Email [email protected].Â
- To cancel an approved and existing Fast Track Secured card, cardholder may visit the nearest Security Bank branch.
How long will it take for my holdout amount to be lifted after I requested for the cancellation of my pending application or approved Fast Track Secured card?
The request to lift the hold-out is subject to approval and typically requires 30 calendar days for processing. Once the request is completed, the approved fast track secured card will be cancelled.
I got declined for Fast Track Secured card, when will my hold-out amount be lifted?
The processing of hold-out lifting for declined or cancelled Fast Track application will take 30 calendar days.