JILI365 Debit and Credit Cards — Limits, Fees & Settlement
Debit and Credit Cards is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, acting according to the Manual of Regulations for Banks, Circular No. 1003 and Republic Act No. 10870.
- Operator
- For domestic debit it is BancNet, and for the international schemes Visa and Mastercard. The networks do not issue cards
- Regulator
- Bangko Sentral ng Pilipinas, acting according to the Manual of Regulations for Banks, Circular No. 1003 and Republic Act No. 10870
- Figures as of
- 2026-09
Wallet limit: not published.
Per-transaction cap: not published.
Settlement: not published.
Debit and Credit Cards as a payment method are the subject below: who runs it, what it is licensed as, and what it publishes about limits and fees.
Debit and Credit Cards at a glance
| Field | Value |
|---|---|
| Operated by | For domestic debit it is BancNet, and for the international schemes Visa and Mastercard. The networks do not issue cards; individual BSP-supervised banks do |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Not applicable to this rail |
| Per-transaction cap | Not applicable to this rail |
| Settlement | Not applicable to this rail |
| Published fees | BSP Circular No. 1165 of 2023 caps interest and finance charges on revolving credit card balances at 36 per cent a year, or 3 per cent a month; the 24 per cent cap set in 2020 was replaced. Under that same circular, the processing fee on a cash advance is capped at a flat PHP 200 per transaction, with no other fee permitted on top. Acquirers and merchants negotiate merchant discount and interchange rates commercially, the BSP does not cap them, and the widely quoted percentages lack a primary source and are not repeated here. |
Recorded 2026-09, the figures on this page are point-in-time ones. With no notice given, payment providers change their limits and fees, which makes the provider’s own page the sole current source.
The position Debit and Credit Cards takes on gambling transactions
Sourcing a statement specific to the Philippines from BSP, Visa or Mastercard on gambling transactions was not possible. Merchant category code 7995 is the restricted category for gambling merchants industry-wide, with explicit acquirer approval needed, and many issuing banks are described as declining it by default. Because that description comes from general payments explainers and not from any Philippine statement by the networks or the regulator, it is presented only as the reason a card payment to a gambling merchant may be declined with no published rule to point at, never as a sourced fact about Philippine cards.
Where Debit and Credit Cards shows up in a casino cashier
- Log in to the casino you play at and open its cashier or deposit screen.
- Read the method list shown for your account: Debit and Credit Cards is on offer only where that list names it.
- Match the name on the casino account to the name on your Debit and Credit Cards account before you send anything.
- Read the minimum, the maximum and any Debit and Credit Cards fee on that screen, then confirm the amount.
A cashier screen is the casino stating its own rails, so start every first Debit and Credit Cards payment there.
Other payment rails explained here
- GCashBangko Sentral ng Pilipinas issued the licence, in the category of Electronic Money Issuer
- MayaIts standing with Bangko Sentral ng Pilipinas is that of an Electronic Money Issuer and registered Operator of Payment System
- InstaPayOversight from Bangko Sentral ng Pilipinas, operating within the National Retail Payment System framework
- PESONetBangko Sentral ng Pilipinas is the supervisor, and the National Retail Payment System framework is the rulebook it applies
- Over-the-Counter Cash AgentsThe Anti-Money Laundering Act, and Bangko Sentral ng Pilipinas, which regulates them as money service businesses
FAQ
What is the usual processing time for Debit and Credit Cards?
A settlement time is something Debit and Credit Cards does not publish.
Who regulates Debit and Credit Cards?
Debit and Credit Cards — regulation: Bangko Sentral ng Pilipinas, acting according to the Manual of Regulations for Banks, Circular No. 1003 and Republic Act No. 10870. That covers the rail, not the casino.
Does Debit and Credit Cards charge fees?
Published fees: BSP Circular No. 1165 of 2023 caps interest and finance charges on revolving credit card balances at 36 per cent a year, or 3 per cent a month; the 24 per cent cap set in 2020 was replaced. Under that same circular, the processing fee on a cash advance is capped at a flat PHP 200 per transaction, with no other fee permitted on top. Acquirers and merchants negotiate merchant discount and interchange rates commercially, the BSP does not cap them, and the widely quoted percentages lack a primary source and are not repeated here.. Providers revise these without notice.
What is the wallet limit for Debit and Credit Cards?
Because Debit and Credit Cards publishes no wallet ceiling, no figure is quoted here.