UnionBank Cash Back Visa Platinum vs Security Bank Complete Cashback Platinum — Philippines (2026)
Side-by-side comparison of UnionBank Cash Back Visa Platinum and Security Bank Complete Cashback Platinum for Philippines users. Fees, rewards, and who each card suits best. Winner ranked by net value on a moderate spend profile — fees and caps included. Winner ranked by net value on a moderate spend profile — fees and caps included.
Updated 6 October 2026·2 cards · 3 min scan·CardHungry
Top pick · Security Bank Complete Cashback Platinum
Net / yr
₱6,570
Annual fee
₱3,000
Return
1.6%
Comparison
Net annual value · moderate spend
Comparison winner: Security Bank Complete Cashback Platinum, ₱6,570 per year net
Security Bank Complete Cashback Platinum
Security Bank
Net / yr
₱6,570
Fee
₱3,000
Top
5% cashback
- ✓Wins this head-to-head — about ₱6,570/yr net after fees on typical spends.
- ✓Best for groceries — 5% cashback, up to Shared ₱1,000/mo · ₱12,000/year cap.
Security Bank Complete Cashback Platinum
Security Bank
Net / yr
₱6,570
Fee
₱3,000
Top
5% cashback
- ✓Wins this head-to-head — about ₱6,570/yr net after fees on typical spends.
- ✓Best for groceries — 5% cashback, up to Shared ₱1,000/mo · ₱12,000/year cap.
UnionBank Cash Back Visa Platinum
UnionBank
Net / yr
₱2,029
Fee
₱4,500
Top
Up to 6% cashback
- ✓Strong runner-up at ₱2,029/yr net — roughly ₱4,541 behind #1 on the same spend mix.
- ✓Best for groceries (supermarket) — Up to 6% cashback, up to ₱15,000/year.
Why the other card ranks lower
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at ₱2,029/yr net — roughly ₱4,541 behind #1 on the same spend mix.
- Best for groceries (supermarket) — Up to 6% cashback, up to ₱15,000/year.
- Rewards (₱7,164/yr) still beat the ₱4,500 fee on this profile.
2UnionBank Cash Back Visa PlatinumUnionBank
- Strong runner-up at ₱2,029/yr net — roughly ₱4,541 behind #1 on the same spend mix.
- Best for groceries (supermarket) — Up to 6% cashback, up to ₱15,000/year.
- Rewards (₱7,164/yr) still beat the ₱4,500 fee on this profile.
Full review →Net / yr
₱2,029
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Wins this head-to-head — about ₱6,570/yr net after fees on typical spends.
- Best for groceries — 5% cashback, up to Shared ₱1,000/mo · ₱12,000/year cap.
- Rewards (₱10,020/yr) still beat the ₱3,000 fee on this profile.
1Security Bank Complete Cashback PlatinumSecurity Bank
- Wins this head-to-head — about ₱6,570/yr net after fees on typical spends.
- Best for groceries — 5% cashback, up to Shared ₱1,000/mo · ₱12,000/year cap.
- Rewards (₱10,020/yr) still beat the ₱3,000 fee on this profile.
Full review →Net / yr
₱6,570
- Strong runner-up at ₱2,029/yr net — roughly ₱4,541 behind #1 on the same spend mix.
- Best for groceries (supermarket) — Up to 6% cashback, up to ₱15,000/year.
- Rewards (₱7,164/yr) still beat the ₱4,500 fee on this profile.
2UnionBank Cash Back Visa PlatinumUnionBank
- Strong runner-up at ₱2,029/yr net — roughly ₱4,541 behind #1 on the same spend mix.
- Best for groceries (supermarket) — Up to 6% cashback, up to ₱15,000/year.
- Rewards (₱7,164/yr) still beat the ₱4,500 fee on this profile.
Full review →Net / yr
₱2,029
Net value snapshot
Rewards minus annual fee on your spend profile
- #1Security Bank Complete Cashback Platinum₱6,570#1Security Bank Complete Cashback Platinum₱6,570
- #2UnionBank Cash Back Visa Platinum₱2,029#2UnionBank Cash Back Visa Platinum₱2,029
Before you apply
Neither wins for everyone
unionbank cashback visa vs security bank complete cashback — the better card depends on where you spend. Use net value on your profile, not headline rates.
Check caps & exclusions
Compare monthly reward caps and excluded categories (rent, wallet, EMI) before picking a winner.
Apply to one first
Each application triggers a CIC enquiry. Choose the leader for your spends, then revisit the other later.
Frequently asked questions
Unionbank Cashback Visa or Security Bank Complete Cashback — which is better?+
Neither wins universally. Compare net annual value on your specific spends using our comparison tool. Unionbank Cashback Visa may win for one profile; Security Bank Complete Cashback for another.
Can I apply for both cards?+
Possible, but multiple applications close together hurt approval odds. Apply to the best fit first; wait 3–6 months for a second card.
Do these cards have joining fees?+
Varies by channel and variant. See each product page on CardHungry for current joining and annual fees before applying.
How often is this comparison updated?+
Reward rates and fees are re-verified against issuer T&Cs periodically. Net value figures use CardHungry's calculator with current rules.
Is there a third card I should consider?+
Often yes. Browse the catalog or compare a third card optimised for your income and spends — not just these two.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
UnionBank Cash Back Visa Platinum vs Security Bank Complete Cashback Platinum — which credit card is better in 2026? This in-depth comparison covers reward rules, monthly caps, exclusions, annual fees, forex costs, eligibility, and net annual value across light, moderate, and heavy spend profiles. No sponsored ranking: every number comes from CardHungry's transparent calculator.
On this page
- At-a-glance table
- Net value by spend
- Reward rules
- Benefits
- UnionBank Cash Back Visa Platinum
- Security Bank Complete Cashback Platinum
- Exclusions compared
- Who should pick which
- Spend scenarios
- Before you apply
At-a-glance comparison
| Factor | UnionBank Cash Back Visa Platinum | Security Bank Complete Cashback Platinum |
|---|---|---|
| Issuer | UnionBank | Security Bank |
| Annual fee | ₱4,500 | ₱3,000 |
| Fee waiver | Not published | Not published |
| Min income | ₱15,000/mo | ₱25,000/mo |
| Lounge | None | None |
| Top reward | Up to 6% cashback | 5% cashback |
| Forex markup | 3.53% | 2.5% |
| Secured option | No | No |
| Moderate NAV winner | Security Bank Complete Cashback Platinum | — |
Net annual value by spend profile
| Profile | UnionBank Cash Back Visa Platinum | Security Bank Complete Cashback Platinum |
|---|---|---|
| Light spender net value | -₱924 | ₱1,860 |
| Moderate spender net value | ₱2,029 | ₱6,570 |
| Heavy spender net value | ₱7,038 | ₱15,780 |
Reward rules compared
| Rule | UnionBank Cash Back Visa Platinum | Security Bank Complete Cashback Platinum |
|---|---|---|
| Reward rule 1 | groceries: 6% (cap ₱1,250/mo) | groceries: 5% (cap ₱1,000/mo) |
| Reward rule 2 | utilities: 2% (cap ₱500/mo) | fuel: 4% (cap ₱1,000/mo) |
| Reward rule 3 | all: 0.2% | utilities: 3% (cap ₱1,000/mo) |
| Reward rule 4 | — | dining: 2% (cap ₱1,000/mo) |
Benefits compared
UnionBank Cash Back Visa Platinum
- Up to 6% supermarket rebates if ≥₱10,000/mo outstore (non-supermarket, non-Meralco)
- Up to 2% on Meralco via UnionBank Online
- 0.20% on other retail · marketing save-up-to ₱15,000/yr
- Annual fee ₱4,500 · forex ~3.53% · rebates can offset fee once/year (T&Cs)
Security Bank Complete Cashback Platinum
- 5% groceries · 4% gas · 3% utilities · 2% dining · 1% shopping
- Shared cap ₱1,000/mo · ₱12,000/yr (auto-credited)
- No minimum spend for category rebates
- First-year annual fee often waived
UnionBank Cash Back Visa Platinum — full breakdown
UnionBank Cash Back Visa Platinum
Issuer: UnionBank · Tier: Platinum · Annual fee: ₱4,500
Grocery rebates with outstore gate
Eligibility snapshot
- Min monthly income (salaried): ₱15,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- groceries: 6% cashback — cap ₱1,250/month
- utilities: 2% cashback — cap ₱500/month
- all: 0.2% cashback
Headline highlight: Up to 6% cashback on Groceries (supermarket) (cap ₱15,000/year)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₱7,164
- Annual fee: −₱4,500
- Forex markup cost (est.): −₱635 (3.53% on international spends)
- Net annual value: ₱2,029 (0.48% effective return)
Key benefits
- Up to 6% supermarket rebates if ≥₱10,000/mo outstore (non-supermarket, non-Meralco)
- Up to 2% on Meralco via UnionBank Online
- 0.20% on other retail · marketing save-up-to ₱15,000/yr
- Annual fee ₱4,500 · forex ~3.53% · rebates can offset fee once/year (T&Cs)
Exclusions & fine print
Typically excluded or reduced: .
Best for: High grocery spenders who also spend ₱10k+/mo elsewhere
Read full UnionBank Cash Back Visa Platinum review with spend simulator →
Security Bank Complete Cashback Platinum — full breakdown
Security Bank Complete Cashback Platinum
Issuer: Security Bank · Tier: Platinum · Annual fee: ₱3,000
Five-category cashback with hard monthly cap
Eligibility snapshot
- Min monthly income (salaried): ₱25,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- groceries: 5% cashback — cap ₱1,000/month
- fuel: 4% cashback — cap ₱1,000/month
- utilities: 3% cashback — cap ₱1,000/month
- dining: 2% cashback — cap ₱1,000/month
- online shopping: 1% cashback — cap ₱1,000/month
Headline highlight: 5% cashback on Groceries (cap Shared ₱1,000/mo · ₱12,000/year cap)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₱10,020
- Annual fee: −₱3,000
- Forex markup cost (est.): −₱450 (2.5% on international spends)
- Net annual value: ₱6,570 (1.56% effective return)
Key benefits
- 5% groceries · 4% gas · 3% utilities · 2% dining · 1% shopping
- Shared cap ₱1,000/mo · ₱12,000/yr (auto-credited)
- No minimum spend for category rebates
- First-year annual fee often waived
Exclusions & fine print
Typically excluded or reduced: .
Best for: Balanced spenders across groceries, fuel, and utilities
Read full Security Bank Complete Cashback Platinum review with spend simulator →
Exclusions compared
| Typically excluded | UnionBank Cash Back Visa Platinum | Security Bank Complete Cashback Platinum |
|---|---|---|
| Common |
Who should pick which?
- Pick UnionBank Cash Back Visa Platinum if your spend pattern aligns with its highest-rate categories and you meet income criteria.
- Pick Security Bank Complete Cashback Platinum if its caps, fee structure, or partner merchants match your wallet better.
- Pick neither yet if both net values are under ₱2,300/year on your spends — a third option may win (see compare).
Spend scenario cheat sheet
- Heavy online shopper: Compare online category rates and caps first.
- Bill-pay heavy: Check utilities and telecom MCC eligibility.
- Travel / forex: Weight forex markup as heavily as reward rate.
- Fee-averse: If both NAV differences are under ₱1,100/yr, choose the free card.
Before you apply
CardHungry never pulls CIC. Use our interactive comparison or compare tool for a third alternative. One application at a time; wait 3–6 months between rejections.
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or compare cards side-by-side — no CIC pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.