Spend Control Limits allow you to set and manage spending restrictions for a card. You can define limits for a single transaction, for daily spending, and for monthly spending. The system also provides real-time tracking of how much has been spent against these limits.

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Spend Control Limits can only be checked and updated for bank cards with an ACTIVE status.

Getting Card Limits

Retrieve the detailed spending limits and the amounts already spent for a specified card.

Endpoint:

GET /card-holder/v1/cards/{cardId}/limits

Path Parameters

Parameter	Type	Required	Description
`cardId`	`uuid`	✅	The unique identifier of the card to get limits for.

Response Example

{
  "cap": {
    "transaction": 1000,
    "daily": 5000,
    "monthly": 20000
  },
  "current": {
    "transaction": 1000,
    "daily": 5000,
    "monthly": 20000
  }
}

Updating Card Limits

Update or remove the limits.

Endpoint:

GET /card-holder/v1/cards/{cardId}/limits

Path Parameters

Parameter	Type	Required	Description
`cardId`	uuid	✅	The unique identifier of the card to get limits for.

Body Parameters

Parameter	Type	Required	Description
`transaction`	`number`	➖	The maximum amount allowed for a single transaction. If a transaction exceeds this amount, it will be declined.
`daily`	`number`	➖	The maximum total amount that can be spent in a single day.
`monthly`	`number`	➖	The maximum total amount that can be spent in a single calendar month.

Response Example

{
  "cap": {
    "transaction": 1000,
    "daily": 5000,
    "monthly": 20000
  },
  "current": {
    "transaction": 1000,
    "daily": 5000,
    "monthly": 20000
  }
}

To have no spending limit for a specific type, the limit value must be explicitly set to 0.

Spend Tracking Reset Schedule

The daily and monthly counters reset automatically based on Hong Kong Time (HKT / UTC+8).

Limit Type	Reset Time (HKT)	Reset Time (UTC)
`daily`	12:00 AM every day	4:00 PM previous day
`monthly`	12:00 AM on the 1st of each month	4:00 PM on the last day of the previous month