if in this case , which mean bigpay still better?
or since having 1% charge and cash back , both will have the same cost ?

the charges from Visa/Master apply to BigPay as well, BigPay only dont charge u "mark up" fees where many bank will charge 1 - 2% which now OCBC bank 365 card offer the same like BigPay that "no mark up" fees

Which mean ,in these case
Ocbc 365 will win as got cash back right ?

Yes, it should be if both posting date is the same , because both also MasterCard

From what i see here, the real winner is bigpay.

Just want to check if any of the below card is better than bigpay for USD?

MBB 2 cards Amex on weekend
CIMB visa infinite

Any credit card that offers better benefit than Bigpay or American Express Premier for airmiles conversion or cash rebate?

I have the following:
Mbb Amex / visa platinum
Mbb Amex reserve
Mbb visa infinite
Uob yolo visa
SCB visa
Alliance / OCBC titanium master
Big pay


Reading thru the posts here, looks like bigpay is best (1% + best rate)?
Second is my Mbb Amex premier up to rm1000 spending on weekends for rm50 cash-back + treat points to offset 2.5%+rates ?
Third is Amex reserve for treat points conversion offset 2.5% +rates?

Yes,. I just made a transaction using Maybank Grab card with the amount below:

Amount in Foreign Currency : USD 300
Amount in MYR charged by MBB : MYR 1265.24

Bank fee (Calculated via https://www.mastercard.us/en-us/personal/ge...t-currency.html ) = 2%

anyone heard of Flywire? Wonder it will have any cross border transaction fee even the payment currency is in MYR. Also, can the payment treated as Online transaction?

I thought OCBC Titanium is better than bigpay? No 1% charge + CB 1%

anyone know how much extra we need to pay for using maybank amex card?

One card I like to use for overseas transaction is Public Bank Visa Infinite Credit Card, since it gives 2% cashback for overseas retail purchases (cap at RM80 per month).

PBB does charge 1.25% fee above the Visa rate, but with the 2% cashback the net rate is actually below the Visa rate and even a bit below XE rate.

So this card is quite good for overseas spending up to equivalent RM4k per month.

But I'm still looking for another card to cover overseas spend above 4k. Bigpay is looking quite attractive for this. Used to be that Bigpay charged 0% fees but I saw on another thread some users said lately they have a small fee like 0.5%. Any BP users can confirm?

This post has been edited by jchong: Apr 29 2022, 11:25 AM

RHB Visa Signature and World MasterCard also gives 2% (with conditions).
Some debit cards don't charge extra above Visa rate.
Wise Prepaid Visa and Merchantrade Visa Prepaid are good for some users as you can buy the currency in advance when cheap (hedge the currency and no extra charge when swipe the card).

Anyone having both Bigpay and Wise and using them overseas. Can give comments? Thanks.

OCBC Titanium card tnc said the oversea currency conversion charge admin fee by the bank is not applicable. Yet I found they charge 1.25% admin fee.
Anyone faced the same?

Both work best at different scenario.

If you want to capitalise at a particular time where exchange rate is low, you should use Wise to exchange RM to your preferred currency first, and keep them in your virtual wallet.

BigPay works based on real time currency rate. You will be charged based on the rate on your transaction date.

BP keeps failing. Transaction can't go through. Hopeless.

Hi. Bigpay now no longer offer Mastercard.
Before this, if not mistaken, I think mastercard oversea spending is 0% charges.
Now for Visa card, there seems to be a charges, but I am not sure how much.
Maybe between 0.3% - 0.6%.
As Visa follows posted date, but Bigpay does not show any information on posted date.
Difficult to track isn't? Anyone knows the rate?

I’m MasterCard actually has a 1% fee, not sure what it is, maybe admin fee.