JILIKO Debit and Credit Cards — Limits, Fees & Settlement
Debit and Credit Cards is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, consistent with Republic Act No. 10870 and Circular No. 1003 as well as the Manual of Regulations for Banks.
Key facts and contents
- Operator
- BancNet is behind domestic debit, and Visa and Mastercard are behind the international schemes. The networks play no role in issuing cards, which individual BSP-supervised banks handle
- Regulator
- Bangko Sentral ng Pilipinas, consistent with Republic Act No. 10870 and Circular No. 1003 as well as the Manual of Regulations for Banks
- Wallet limit
- Not published
- Per-transaction cap
- Not published
- Settlement
- Not published
- Figures as of
- 2026-09
You’ll see Debit and Credit Cards brought up nonstop in Philippine casino discussion, usually tied to figures that trace back to the casino, not to Debit and Credit Cards. Figures on this page trace directly to what the provider has published itself.
Debit and Credit Cards at a glance
| Field | Value |
|---|---|
| Operated by | BancNet is behind domestic debit, and Visa and Mastercard are behind the international schemes. The networks play no role in issuing cards, which individual BSP-supervised banks handle |
| 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 | As set out in BSP Circular No. 1165 of 2023, the ceiling for credit card interest and finance charges on revolving balances climbed to 36 per cent a year, or 3 per cent a month, from the 24 per cent cap set in 2020. No additional fee is permitted beyond the flat PHP 200 per transaction that the same circular sets for cash advance processing. Merchant discount and interchange rates avoid any BSP cap, being negotiated commercially between acquirer and merchant instead, while the percentages often quoted for them trace to no primary source and are omitted here. |
2026-09 is the timestamp behind these figures, so don’t expect them to move afterward. Expect payment providers to update limits and fees quietly — the provider’s own page is where the current figures actually live.
What’s said about gambling transactions under Debit and Credit Cards
None of BSP, Visa, or Mastercard could be traced to a Philippine-specific statement on gambling transactions. Explicit acquirer approval is required for merchant category code 7995, the restricted, industry-wide classification covering gambling merchants, which many issuing banks reportedly refuse by default. That description traces to general payments explainers rather than a Philippine-specific statement from the networks or regulator, and it’s offered here only to account for a possible decline of a gambling-merchant card payment where no rule is published — not as a sourced Philippine-card fact.
Paying with Debit and Credit Cards at JILIKO
- Log into JILIKO, then head to the cashier.
- When the cashier shows payment methods for your account, choose Debit and Credit Cards from the list.
- Make sure the name on your JILIKO account matches the name on your Debit and Credit Cards account.
- Confirming the amount can wait until you’ve reviewed the minimum, maximum and any fee shown at the cashier.
Your account limits update in real time on the cashier screen, and it’s worth a look before any method gets used for the first time to deposit.
FAQ
Does Debit and Credit Cards charge fees?
Published fees: As set out in BSP Circular No. 1165 of 2023, the ceiling for credit card interest and finance charges on revolving balances climbed to 36 per cent a year, or 3 per cent a month, from the 24 per cent cap set in 2020. No additional fee is permitted beyond the flat PHP 200 per transaction that the same circular sets for cash advance processing. Merchant discount and interchange rates avoid any BSP cap, being negotiated commercially between acquirer and merchant instead, while the percentages often quoted for them trace to no primary source and are omitted here.. Providers revise these without notice.
Debit and Credit Cards' wallet limit — what does it come to?
Debit and Credit Cards has never published a wallet ceiling, which is why none shows up here.
How do I pay with Debit and Credit Cards at JILIKO?
Once you sign in, go to the cashier and select Debit and Credit Cards among the methods it lists for you. Same name on both accounts, limits checked at the cashier — handle both before hitting confirm.
Debit and Credit Cards — what kind of timeframe should you expect?
Debit and Credit Cards keeps no published settlement time.