Unionbank Cashback Visa vs Security Bank Complete Cashback — Philippines (2026)
Side-by-side comparison of Unionbank Cashback Visa and Security Bank Complete Cashback 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 30 July 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 |
| Min income | ₱15,000/mo | ₱25,000/mo |
| 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
- Approval note: Indicative only. CIC checked by bank at application, not by CardHungry.
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
- Approval note: Indicative only. CIC checked by bank at application, not by CardHungry.
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 ₱2,000/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 ₱1,000/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.