LOVEJILI Debit and Credit Cards — Limits, Fees & Settlement

The subject here is Debit and Credit Cards as a payment rail. The last section explains why anything tied to a specific operator’s cashier is deliberately left off this page.

Debit and Credit Cards at a glance

Field	Value
Operated by	Domestic debit runs on BancNet, while international schemes belong to Visa and Mastercard. Individual BSP-supervised banks, not the networks, are the ones issuing the cards themselves
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	In place of the 24 per cent cap set in 2020, BSP Circular No. 1165 of 2023 fixed credit card interest and finance charges on revolving balances at 36 per cent a year, or 3 per cent a month. A flat PHP 200 per transaction, and nothing beyond it, is what that circular sets as the cash advance processing fee cap. Since the percentages commonly quoted for merchant discount and interchange rates have no primary source, this page leaves them out; those rates are set commercially between acquirer and merchant, not capped by BSP.

Recorded 2026-09, these figures are point-in-time. Limits and fees get revised by payment providers without notice, making the provider’s own page the only current source.

Gambling transactions, viewed through what Debit and Credit Cards says

A search turned up no Philippine-specific statement from BSP, Visa or Mastercard on gambling transactions. Gambling merchants fall under merchant category code 7995 industry-wide, a restricted class needing explicit acquirer approval, and many issuing banks reportedly turn it down as a default policy. General payments explainers, not a Philippine-specific statement from networks or the regulator, are where that description comes from; it appears here only to account for a possible decline of a card payment to a gambling merchant, since no published rule exists, and not as a sourced fact about Philippine cards.

Paying with Debit and Credit Cards at LOVEJILI

1. Sign in at LOVEJILI and open the cashier.
2. Go with Debit and Credit Cards among the payment methods your account’s cashier lists.
3. Make sure the name on your LOVEJILI account matches the name on your Debit and Credit Cards account.
4. On the cashier screen, review the minimum, maximum and any fee, then confirm the amount.

Before a first deposit with a new method, read the cashier screen, which shows your account’s live limits.