Not only ATM withdrawal, I can consolidate/accumulate unused quota from various CCs.
Eg I have a life insurance due in April, say RM5000.
And if FCB VS, assume I didn't spend till today, then I top up BigPay by 31/3 and on 1/4 (Posted on the same day for Maybank FCB VS!), then pay the insurance on 2/4. So I will get 2XRM50 rebate from Maybank, instead of 1XRM50 (max RM50 rebate/month).
Or I can top up using other credit cards together with FCB VS, then use BigPay to pay the insurance, so maximise the rebates.

Hope I will not get banned.

This post has been edited by ClarenceT: Mar 26 2018, 08:06 AM

That is a very good idea.

Using for this method should have any problem as it works like prepaid method. Using for atm purpose however, might not suitable (at least for now)

If combine with 0% balance transfer schemes, it doesn't work like "prepaid" anymore. (a bit risky, usually I don't play)

"INSTANT MONEY TRANSFERS to your friends on BigPay"
Transfer fund from 1 BigPay account to another BigPay account, then cash out from the second BigPay card.
So you top up but you don't withdraw cash from the same account!

This post has been edited by ClarenceT: Mar 26 2018, 09:48 AM

Are u a money laundering expert? Just joking.

Mind explaining a little more on how to use HLB Wise with BigPay? What category would BigPay get counted from Wise's cashback?

none.

you still need to spend rm1k (misc) + rm1k for 3 categories, right

RM1000 (0% rebate) bigpay +RM1000 (10% rebate) X 12 months
withdraw RM3000 every 3 months -> -RM6 x4
Total return for 12 months: 1200 - 169.60 (AF) - 24 (ATM) = 1006.40
1006.40 / 12000 = 8.39%, better than UOB Yolo, PB VS/Quantum, M2 Amex.

This is the ideal scenario. I assume it will work, unless HLB disqualify MCC6012 transactions.
But Unker had warned me, I will not withdraw cash from my bigpay account.

This post has been edited by ClarenceT: Mar 26 2018, 12:32 PM

Shouldnt it be 1006.40/24000=4.2%

Unker here again!

Unker did not withdraw much la, like < 5 times kena already loh

Unker tried transfer fund to kawan I during CNY using e-angpao, baru 100sen then my kawan kena called and ask if he know unker in real person.

Before suspend, unker also receive call and that fella ask unker why withdraw.
Diao its unker money why cannot withdraw.

Then you know what happen next loh. Unker face problem gua.

Anyway, play safe and good luck

can you please type with proper english/language?

quite strict it seems. but yes shouldn't abuse too much, if not next time can't top up with cc anymore

How many times did u use it for retail transactions?

I got a BigPay (old one) in March 2017, 5599XXXX014XXXXX.
I got another BigPay (APP-BASED) in March 2018, 5599XXXX019XXXXX.
It means BigPay issued only 50k cards (not many user!) in the past 12 months.
Unker's card is 015/016/017/018/019? as Unker is one of the earliest Bigpay APP users.
I am interested to find out how many new BigPay cards had been issued. TQ.

This post has been edited by ClarenceT: Mar 26 2018, 03:22 PM

They are absorbing the credit card charge, up to 1.1% but will go down to 0.48% in 2021.
Even they want to charge us 1.1% for top up, we still gain.

is it possible to move back the overpaid credit to savings?

i paid the statement balance but the next day, there was some refunds so the amount was overpaid

u can request and up to bank to approve or reject

what I can tell is if u do first time and can provide a reason, possible can get approve

Cool. I will try ask for it

Maybank will reverse the cash rebates that you earned for debit transactions.

below rm10k can call to centre,

if more than rm10k, need to write in a proper letter, attach and send via email