Previous Threads
V1 by (forgotten) replaced fairylord



BIGPAY Prepaid MASTER Card that collaborating with AirAsia.
Use this card at any merchant that accepts MasterCard worldwide.
Enjoy good cash back by reloading selective credit card (Gives you cash back up to 10%* literary)
By BigPay Malaysia Sdn Bhd (formerly known as Tpaay Asia Sdn Bhd)

*The purported 10% is actually from the source cards (depending on the credit card used, cash back is up to 10%) used to reload the BigPay.

Official Website : https://www.bigpayme.com/


Historical evolution of product : 1- 4 as in Thread V1

Benefits

• Exempt from the SST RM25, as it is a Prepaid Card.
• Annual Fee waived unconditionally.
• AirAsia flight processing fees waived if using BigPay to pay. - [See Details]
• RM2 Discount on purchase flight meal and luggage. - [See Details, tan_aniki, fruitie]
• AirAsia deals will be offered to BigPay holders, usually a day in advance.
• Remember to paste the Referral Code for Free RM10 while sign up.
• Credit card (Max RM10,000/mth RM5,000/mth RM2,500 starting 2 June, reset on 1st of the mth), Debit card and Bank Transfer can be used to reload in App. [AMEX not Top Up Source (yet)]
• Enjoy cash rebate by reloading with selected cash rebate credit cards.
• Good foreign exchange rate (almost equivalent as in XE.com) for oversea usage. [Example, official tips, blog]
• Instant transfer money to anyone (BigPay users) for Free. Max Daily Limit : RM2,000.
• Link to your BigPoints Account and earn BigPoints while Reload and Spend. - ohcipala
• BigPoints validity is 24 months.
• RM30 RM20 RM10 for local transaction = 1 BigPoints. Excludes : Government Services, Transportation, Utilities and Fast Food - FAQ rev official FAQ
• RM20 Pay Bills in-app = 1 BigPoints - GrumpyNooby

• Maximum wallet amount : RM10,000
• Contactless Payment (PayPass) Max Daily Limit : RM250 - Auto-enabled upon 1st pin-based usage
• Local Bank Transfer : Max RM1,000/day 24 hrs, capped at RM2,000/mth, Fee : RM0.50/each [FAQ]
• Oversea Bank Transfer : Max RM20,000/day, RM30,000/mth, Remittance Fee : Refer to BP Apps [fixed at RM5 - RM23/each transaction]
• Oversea Bank Transfer : China, Indonesia, SG, Aus, India, Nepal, Bangladesh, Philippine, Vietnam, Thai
[Join Official Telegram for exchange rates - updated daily 11AM]
• Worldwide selected ATM withdrawal : RM10,000 or 10 withdrawals daily whichever come first


Selection of Bank (Try below) when make online payment if requested :
• CIMB - sendohz, sendohz
• Type "BigPay" - hye
• Tune Money Sdn Bhd or TPaay Asia Sdn Bhd - rap7733


How to apply?
• Download BigPay Apps from Google Store (Click Here) Or Apple Store (Click Here)
• Open the App then click "Sign Up"
• Key in Mobile Number
• Fill up simple personal details (and Referral Code)
• Snap image of your ID/Passport and Selfie
• Wait for In-Apps Notification / Email on Document Approval in 24hr
• Go to App, reload RM20 (will be in your BigPay Card for your use) by credit/debit card only
• Wait 3-5 working days for BigPay Card deliver to you (so far as per member, by Citylink)


How to activate the card?
• Once received BigPay Card, open the App click to acknowledge receipt of BigPay Card
• Fill up the CVV to activate it
• You may now set 6-digit pin for the ATM and POS or do it later in Setting
• You may now link to your BigPoints Account or do it later in Apps



Fees and Charges : (Latest refer to official Webpage)
• Domestic ATM withdrawals - RM6
• International ATM withdrawals - RM10 or 2% of withdrawal amount, which ever is higher [RM10 only until further notice]
• Currency Conversion Fee [applied when the purchase is effected in currencies other than MYR - 1% + network charges (only network charges until further notice)]
• Cross Border Fee [applied when the purchase is through merchant acquired outside of Malaysia but charged in MYR (waived until further notice)]
• Lost Card Replacement - RM20
• Sales Draft Retrieval - RM15
• Inactive Fee - RM2.50/month [waived until further notice]
• Card Cancellation - Free
• Card to Card Transfer - No



Reload BigPay to enjoy Cash Rebate (CB)

CC that entitle CB :
• MBB FCB VS (2% & 10% [May and Aug]) - SzeMeng76, cybpsych - no more CB July 2019 onward
• PBB Quantum Master (5%) - celaw
• PBB Quantum Master (5%) - weejin2000, joevo2
• PBB Visa Signature (6%) - LostAndFound
• PBB Visa Infinite (0.3% unlimited Cap RM80) - tan_aniki
• SCB Liverpool FC (previously known as SCB CB Gold) - ckweng
• SCB JOP (1.87%) - 3.4% due to CC rev T&C July'19
• ÆON BiG Visa Gold (2%) - MiKE7LIM, first come first serve
• AmBank True Visa (3%) - alexanderclz, CB, CB
• HL Essential (0.4% for $7000, then 1% unlimited) - cybpsych, dkwan87
• HL Fortune (1%) - chlee87, snowswc
• RHB Signature Visa (1%/2%/6%) - ClarenceT
• Alliance You.nique (1.2%, 3%, 0.3% unlimited) - iXora.ix, tan_aniki
• OCBC World Master (1.2%,0.6% unlimited) - simonmada
• OCBC Titanium (1% unlimited) - hebe87, hebe87, but jack2 no CB, CB updated late, 0.1%+0.9%
• OCBC 365 (1%) - baocord
• OCBC Cashflo (0.5%) - shadoe
• UOB One (0.2%) - terry5695
• HSBC Amanah (0.2%) - terry5695



• HSBC VS 5X point (=1.67%) - chonghe [Promo extended with new T&C], extended throughout 2019, no longer valid
• AmBank Bonuslink (=3.0 0.3%) - 3000 Bonuslink Points = RM 30 Shell Voucher per mth, latest found RM1 = 0.3 points only


CC that might entitle CB : pending (re)confirmation
• TBA


CC that entitle Miles/Points/etc :
• NEW LIST - come come come, member share your information
• Citi Rewards - 1:1


Merchants Issue

NOT APPLICABLE for : - see request
• Terminal that do not accept MasterCard cause BigPay is a MasterCard.
• Car workshop (unknown merchant) - MGM due to terminal can't support 'prepaid' type of transaction - Ambank Terminal
• Shabu Garden - Kuchai Lama - sendohz - PBB Terminal
• Mara Ibu Pejabat - slayersssss
• WeChat Pay - fruitie
• TGV (via MasterPass) - szejz123
• Traveloka - MilesAndMore, due to "Cybersource"
• RedBus - web and apps also not applicable



Previously/Occasionally N/A > Now Applicable ! :
• Grab - refer to 1st Post Special Updates bottom of this post
• Homecafe Taman Midah - stargate8
• Boost - sailou, fruitie, see how codeiki had successfully topped up. Mid Aug 2088, Boost said BP is not compatible., BACK!
• TM/Unifi - MGM, siawyent
• mobile@unifi app - alternative by borneoman1
• (ipay88) Touch n Go eWallet - cybpsych, BP is addressing the issue, Update TnG apps, working now! Still failed? Try this trick
• Agoda - mamamia & touristking , Ikwah86


Applicable but sometimes Hit-And-Miss:
• Shopee - shmily86, Cybersource ! TIPS : Work Around - spyrr
• myeg - drbone & cybpsych, successfully paid summon - yhtan


Oversea Withdrawal

Oversea ATM that charged fee on Withdrawal (+RM10 by BigPay): - see request
• Singapore $3 ~ $5 overall, DBS $5 Max $2k
• Singapore Changi Airport S$5 - DBS
• Thailand 220 Baht - Thai Bank, Citibank (200 Baht), UOB, Max 25,000 Baht, Max 50k Baht
• Thailand 150 Baht - Aeon Thai, Aeon
• USA $3 - PNC, Max $500, $800
• Australia - ANZ AUD2 (cheapest), Comm AUD3, Max $2,000, avoid Westpac & Bank of Melbourne - use own rate way higher
• Canada CAD$3 - CIBC, BMO Bank of Montreal, RBC Royal Bank
• Seoul, South Korea (near myeongdong) 3500 won - KB BANK
• Prague czk 99 - Euronets ATM
• Philipines - 250 peso - BDO, Max 10,000 pesos
• Vietnam - ANZ Max 5m VND, other usual Max 2~3m VND, Extra Fees abt RM10
• Cambodia - USD 5-6
• Taiwan - NT100 @ China Trust Bank, Max NTD 20k


Oversea ATM that charged ZERO fee on Withdrawal (only RM10 by BigPay):
• Japan - pending more info, SevenBank@7-11, Narita Airport, Max 100k Jpy@SevenBank
• Singapore - HSBC | Max $1k, OCBC | Max $1k, ICBC@Sentosa | BOC Max $2.5k BOC | Citi Max $3k
• Seoul, South Korea - KB Bank, Don't withdraw at Airport, Max 700k Won
• Taiwan (Max NTD 20k, Airport @ Tao Yuan / Kao Shiung Max NTD 20k, banks), list of banks
• Indonesia - CIMB Bank Niaga@Jakarta T3 Airport
• Oman - International Airport Arrival Hall - HSBC
• Salzburg, Austria - see this, Max EUR 300
• UK - avoid ATM in Bars/OneStop -£2.50
• Thailand - MBB ATM
• China - ABC, BBC, BOC & ICBC ATM, to be testified using BP card
• Swiss - Duetsche
• HongKong - HSBC
• Germany - Sparkasse Max EUR 600
• Turkey - Ziraat Bankasi @ Istanbul Airport



Oversea ATM Withdrawal : pending (re)confirmation any fee
• Singapore Changi Airport - BOC $2.5k | MBB $1.5k



FAQ in Thread : for official FAQ - link

Q1 : How much BigPoints awarded if i spend less than RM20?
A1 : The point will be round down. Example, pay with big card with amount RM19.99=0 point.

Q2 : How soon the BigPoints awarded upon Reload and Spend?
A2 : 3-5 days on Spending, 1-2 days on Reload.

Q3 : How to link BigPay to AirAsia BigPoints?
A3 : Use the same email address that you used to registered AirAsia BigPoints account, the point will then sync automatically. Or you may link it in App Setting if it doesn't sync by itself.

Q4 : Can I reload BigPay with other's credit card?
A4 : BigPay FB replied to drbone that no issue to use other's cc to reload. [MGM, glauncher, BP is monitoring]

Q5 : What's the maximum amount withdrawn via ATM?
A5 : Maximum withdrawal allowed is RM10,000 [BigPayJonathan per day, daily capping. Subjects to individual ATM or CRM, how many notes that ATM/CRM dispenses once (eg: 30,35,40,50,99), what is the max denomination notes that ATM/CRM dispenses (eg RM50 or RM100), SO same bank different ATM/CRM may have different limits on max withdrawal allowed. AVOID RHB & PBB ATM for withdrawal - makan BP card



Q6 : How long would it takes for the status of a transaction to changed from "Pending" to "Settled"?
A6 : It may take up to 5 days or more to update the status to "Settled".

Q7 : How long would it takes for the BigPoints to be reflected after "Settled"?
A7 : It may take up to 2 days after Settled (latest as per members).

Q8: Do I need to have more than RM200 to pump petrol?
A8: Yes, If your pump at petrol island which terminal need pre-aut RM200. Unless you pump at petrol island (like Petron) which terminal allow you to pre-set amount to pump OR you pay at cashier by informing the amount to pump in prior. Further explanation see - [ClarenceT & cybpsych, BPJonathan].

Q9 : Can the card be over swipe if to spend amount more than balance amount in card?
A9 : Yes, BUT the second transaction decline automatically.

Q10 : Can I Top Up, Large Amount, Withdraw via ATM, Very Frequently (defined by provider), merely to enjoy the cash rebate under top up source card?
A10 : Not Advisable. Please read the following posts for reference as advises. To read the original post of the quoted, please click the at bottom right of every quoted post.
Latest Updates : Tentative official announcement on about ATM withdrawal limit/frequency is by end of July, stay tuned. (month cap at RM10,000 top up via credit card FUP introduced)

By Moderator :
By members :
~ Aji_ShiO - ignore this spoiled post as Invalid
~ cybpsych
By keyword search in Thread V1 :
~ TaiSong (for withdraw 60k in 2mths)
~ ATM
~ Susp* (for Suspension/Suspended)
~ Ban* (for Banned/Ban)




.

This post has been edited by fairylord: Jan 11 2021, 10:57 AM

FAQ in Thread : (cont')

Q11 : What are the differences between BigPay Mastercard and previous BigPrepaid MasterCard?
A11 : See tabulation below.


Q12 : How to check exchange rate of BigPay?
A12 : After transaction recorded, exchange rate shown In the app itself. At first it will show "Pending" and after few days it will show as "Settled", the "Settled" rate with real time rate, very minimal difference, both "Pending" and "Settled" amount doesn't show much difference. (official tips)

Q13 : Which is cheaper for Oversea usage : ATM withdrawal Vs Swipe BigPay?
A13 : Swipe BigPay. Always pay directly with your card when you can. And if you need to take out cash at the ATM, always choose to be charged in the local currency of the country you're in. (official tips, Mod)

Q14 : Will I be rewarded also BigPoints by AirAsia besides of the BigPoints by BigPay?
A14 : Yes, and the rate subject to your AirAsia Loyally membership tier and only on the base fare (Min RM100) and the purchased add on.

Q15 : How do/can I receive OTP code from BigPay for online purchase while I'm oversea?
A15 : Almost all of the Malaysia sim could receive SMS FOC while roaming at oversea, OR you may update the oversea mobile number in BigPay Apps to receive OTP code via SMS to your oversea sim.

Q16 : How long is the maximum days a transaction will stay in Pending stage?
Q17 : Does BigPay return my fund if it's not Settled?
A16 & A17 : As per Official answer to "Why do payments sometimes fail?"

Q18 : Shall I used BigPay card as VAT Refund for Europe trip?
A18 : It's not accepted by authority. But, UK VAT refunded successfully.

Q19 : What is the latest MCC Code of BigPay?
A19 : MCC 6012 MCC 6540 Non-Financial Institutions – Stored Value Card Purchase/Load

Q20 : How to remove Top Up source in Apps?
A20 : Go Settings > Top up Sources > Select Card > Delete this card

Q21 : How to do setting on Paypal to convert currency via BP to have better rate?
A21 : Read this post.

Q22 : How the charges using BP as Ezlink for public transport in Singapore - SimplyGo?
A21 : Fare charges will be accumulated for up to 5 days or after a total of $15 is spent on transit fares, whichever is earlier + $0.50 admin fees.





.
Important Notice : by Moderator
.





Introduction Post : by Jonathan, BigPay staffs & Lyn Mod
Important Notes : by members

Special Updates : GrabPay


Application New Features Update Log :
• 4 July 2018 - Added Bank Transfer as Top Up
• 4 July 2018 - Replacement Card request via Apps [see image]
• 25 July 2018 - Request money fron friend/Split Bill [see video]
• 6 Aug 2018 - MasterCard PayPass contactless feature
• 10 Sept 2018 - "Friends Nearby" in Split Bill
• 22 Oct 2018 - Unhide previous hide Transaction
• 13 Nov 2018 - In-app support chat
• 19 Feb 2019 - Screenshot on Android, CC Top Up Limit Balance
• 6 Nov 2019 - PDF or CRV statement with BP letterhead
• 17 Feb 2020 - Filter transaction with criteria


Hidden Gems : We shall explore further for more benefits, lets dig more!
If you encounter problem, please forward your support requests via their official Facebook channels/Live Chat in apps.

.


This post has been edited by fairylord: Apr 4 2020, 02:04 PM

Wow, V2 now...this card is really on fire!

As shared earlier by other members here, there is a 1% rebate for OCBC Titanium. I managed to get it for using it to reload BigPay, 0.1% on statement date and another 0.9% a few days later.

As for credit card collection, I asked OCBC to send the card to me during application and I received it, no problem with that.

At KFC's MPay credit card terminal, my card was rejected...

KFC uses only MPay card terminal. [Edit : "?" Meant to be question]

By the way, not.mistaken, MPay also a prepaid card instead.

This post has been edited by fairylord: Jul 22 2018, 04:17 PM

Mine went through without issue at KFC lowyat.

I still remember long long time ago they were using CIMB terminal..

added my card in shopee and it’s shown as CIMB bank card. is it normal?

Yes. Even I use CIMB promo code also can.

Mine's shown as CIMB as well.

abit unrelated but what is the cimb code?

I mean CIMB CC promo code for shopee is eligible for this card.

i top up 2 day ago, but the top up transaction didn't reflect in app

successful top up, credit card charged, just didn't reflect in app

Has anyone tried using Alliance Bank Younique cash back card and gotten cc cash rebate? Not the most popular card but wanted to just double check.

Thanks in advance.

Hey I plan to reload 6012 into BigPay via CC then withdraw via ATM (2 withdrawals, 3k each) , on the same day
will this get me banned ?
Plan to convert the 6k to 0% 12 months IPP

fairylord take away this: RM2 for overseas transaction = 1 BigPoints.
BigPayJonathan already said no such thing and we can't find anything about this in the apps as well.

1-2 times/month should be no issue

This post has been edited by tan_aniki: Jul 22 2018, 06:18 PM

This is great tips!

You mean the transaction not reflected on the list details on Apps? Hmm...BP should fine tune this, probably the real time (ms) improvement.

Mind to share more details on CB details of this card?
And is the MCC code fixed for BP (as merchant)? Where can we can more details about this MCC.

Thinking to add these details to post #01.

I'm still hoping for this feature to be added in roadmap, haha..

https://www.alliancebank.com.my/younique

iXora.ix post was the one started it all, triggerred us about bigpay back in March 2018 then bigpay spread like wildfire until today.

This post has been edited by cybpsych: Jul 22 2018, 06:54 PM