Jilibay Debit and Credit Cards: PH Fee Schedule

Here, Debit and Credit Cards get treated purely as a Philippine payment rail: limits, settlement behaviour, and published fees, with no casino cashier discussed.

Debit and Credit Cards at a glance

Field	Value
Operated by	The domestic debit side is BancNet’s, and the international side belongs to Visa and Mastercard. The networks don’t handle card issuance — individual BSP-supervised banks do that
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	Revolving balance credit card interest and finance charges are capped at a rate of 36 per cent a year, or 3 per cent a month, by BSP Circular No. 1165 of 2023, superseding the 24 per cent cap set in 2020. Cash advances carry a processing fee capped at a flat PHP 200 per transaction under that circular, and no other fee is allowed. Merchant discount and interchange rates, uncapped by BSP, come from commercial negotiation between acquirer and merchant, and because the percentages often quoted for them lack a primary source, they are not repeated here.

What’s shown here is a snapshot from 2026-09, not a live figure. Limits and fees are the payment provider’s to change whenever it likes, with no heads-up given, so its own page is the only spot carrying up-to-date numbers.

Debit and Credit Cards’ own wording on gambling transactions

BSP, Visa, and Mastercard yielded no locatable, Philippine-specific position on gambling transactions. The restricted classification merchant category code 7995 applies industry-wide to gambling merchants and needs explicit acquirer approval, something many issuing banks reportedly decline by default. Because no published rule exists to point at, a card payment to a gambling merchant may simply be declined — that’s the sole reason this description appears, sourced from general payments explainers rather than any Philippine statement by the networks or the regulator, and not offered as a Philippine-card fact.

Paying with Debit and Credit Cards at Jilibay

Once signed in at Jilibay, go ahead and open the cashier.
Among the account’s listed payment methods at the cashier, choose the Debit and Credit Cards option.
Make sure the name on your Jilibay account matches the name on your Debit and Credit Cards account.
Start by reviewing the cashier screen’s minimum, maximum and any applicable fee, and finish by locking in the amount.

Because the cashier screen displays your account’s live limits, check it ahead of the first deposit you make through any new method.

FAQ

Does Debit and Credit Cards charge fees?

Published fees: Revolving balance credit card interest and finance charges are capped at a rate of 36 per cent a year, or 3 per cent a month, by BSP Circular No. 1165 of 2023, superseding the 24 per cent cap set in 2020. Cash advances carry a processing fee capped at a flat PHP 200 per transaction under that circular, and no other fee is allowed. Merchant discount and interchange rates, uncapped by BSP, come from commercial negotiation between acquirer and merchant, and because the percentages often quoted for them lack a primary source, they are not repeated here.. Providers revise these without notice.

Debit and Credit Cards — how long is the wait?

Debit and Credit Cards has never made a settlement time public.

How do I pay with Debit and Credit Cards at Jilibay?

After signing in, head to the cashier and choose Debit and Credit Cards from your account's listed methods. Before confirming, make sure the name lines up on both accounts and glance at the limits the cashier displays.

For the Debit and Credit Cards wallet, what limit is set?

No wallet ceiling has ever been published for Debit and Credit Cards, so this page leaves that figure out.

Jilibay Debit and Credit Cards — Limits, Fees & Settlement