I don’t even rely on single cc previously, always keep at least two cc in your wallet , from diff bank

Perhaps they need to somehow “offset” for the ‘Spend Now 4 More Cash Back’ campaign that they have been running very frequently.

Actually they know the purpose you withdraw cash in Malaysia. The main feature is actually for you to withdraw overseas not within Malaysia.

How if BigPay charge you service charge while you topup via Credit Card and allow you to withdraw without limit?

Why would you reload 10k and then withdraw it back?

1) I believe that nowadays even kids have a saving account.
2) Same as above
3) For me, really big purchases I will prefer to use my Credit Card. I worry later the merchant not accept Prepaid card or BP(I know it not really apply to all, just for me)
4) Saving account is really basic I think. Unless your Salary take by cash? Impossible you ask your company pay to your Credit Card account?

Sorry to say, this is my opinion. As for now, BP is really good enough for me. I can't find any other Prepaid Card as good as BigPay. I know human brain is pandai, but the person create BigPay is human too.

Agreed. The discussions are heading into an uncontrollable argumentative nature.

Cash withdrawal is a feature but discussing how much one can earn through the withdrawal, how many notes does this bank ATM withdraw, etc is already deviating from the topic. Appreciate if this practice cease as it has been going on for a bit too long already.

Folks are scared about this and that because of potential fraudulent use and I have to remind folks who ask this that (any) card responsibilities and security have already been on the shoulders of the cardholders, they are never "transferred" to the card issuer. (Read any T&C from any card issuer and this is easily proven)  If one is so so so so worried, then there's always the choice of not using the service in the first place. (I won't say cutting the card coz it is considered crude) If you choose to use the service, then you also choose to accept the T&C that is imposed by the card issuer which also outlines the cardholder's responsibilities.

Some members also come in here just to get a quick answer to their question without bothering to search through the rich content. I have no kind words for such members and would not object to other members if they are "kindly redirected" to use the search function. (Can be worst) If you wish to be respected and not be stereotyped as a typical Gen Y/Z (read "lazy to put in effort and just want it quick" , then respect yourself else you'll just get a bashing for your attitude.

Again ... I am not going to judge the members here who "highlights" their withdrawal successes with BP - using financial products are each and own's choices and with it - the consequences of their actions. We are all adults who understand consequential impacts of our decisions and it is not me that is going to be chased by the bank's debt collectors if something goes wrong with "temporarily" borrowing from credit cards.  Still, it doesn't mean that I will not put a stop if posts crosses the line.

Now folks ... please stay on the discussion track.

I've a feeling that soon with all these abuse, all good things will come to end. Like me, I am enjoying the benefits of BigPay by using my CC top up that gives me cash back and then use the BigPay card like my other credit card. So all my purchases will entitled to cashback. And for overseas swipes.

With people top up withdraw, it'll be sooner or later it's being revised. Like how the Maybank e-GIA where everyone was abusing it and they revised it. This is why Malaysian could never have good things. Keep abusing it. Use the benefit moderately la but don't do stupid stuff like top up 10k withdraw 10k.

BigPay should just charge 2% fees on each withdraw. Maybe free for the first 2000 per month then subsequently it's 2%. Sorry, I don't believe in what the forumers are doing here.

Why not you make a complaint against the bank that they set a credit limit on your credit card instead of complaining about BP 10k topup limit? I support you if you succeeded complaining about the Credit Limit and bank issue you with unlimited credit limit. They have their own tnc. If you want to use, you have to accept it.
There is no limit when you topup via your Saving account(Bank transfer). Go for it if you need more money in your BigPay card. BigPay didnt limited you to max topup 10k per month but limited to 10k max via credit card.

I really hope one day you can have you own prepaid card service maybe TigerPay? then we can enjoy unlimited topup and unlimited withdraw. As I mentioned before, I can topup withdraw topup withdraw then get my bank credit card point to redeem items.

Apart from cashback, do BP benefits from airmiles card?
Eg: HLB visa infinite/ doctors edition which grant x1 MAS airmiles with every Rm2.80 spent, which will give about 3k airmiles with RM 9k topup/ monh

Just to update my experience when want to use my bp card to pay for my airasia tickets. Confirmed that there is enough credit to proceed with my tickets, tried a few times, no luck the transaction didn’t get through. In the end I have the use my another credit card to pay for my tickets. In the end, I have extra 1.3k in my account.

Didn’t manage to save up the transaction fee and have to waste additional 6 bucks to cash the money out. Arggghhhhh

Go find the seller that offers such service.

There is a common thread which caters for credit card and debit card in general.
Let other products be announced in that area. There are reasons we have specific threads for specific products and we also have a common thread for just about everything else.

If I allow wanton announcements/topic contamination (without any relevancy) for everything then might as well we disband BP thread (along with other threads) and lump everything in 1 thread to discuss everything.  Folks ... that won't work right ?

The origin of this section materialised when everyone started getting organised on the contents for credit cards discussion. It is a chaotic situation before this organisation came into effect.
It is the nature of BP product itself - it is Mastercard affiliated thus the withdrawal is via Cirrus network. Same reason if you use your Mastercard cc overseas then you need to look for a Cirrus supported ATM. You definitely can't find a MEPS all over the world. (I think David83 stated this better in the next post)

You are confused. The ATM will choose a network, local ATM card will use MEPS channel, MasterCard use Cirrus, Visa use Plus, Singapore ATM card use NETS, China ATM card use Unionpay etc.
Both Bigpay and CIMB-Lazada prepaid MC uses Cirrus, the charge is higher than MEPS (RM1/4).

BP card is a mastercard, which uses Cirrus network, so it is related..
Ppl will withdraw from BP card, so need to know which logo to look for..so it is related..
So No OT

u mean u added your BP card to a family member's account? u can just do p2p transfer.

means BP card 1 top up to BP card 2. both cards earn bigpoint. then use BP card 2 top up to BP card 1 again and earn another Bigpoint? Like this u can repeatedly top up each other by switching both account without using any credit card. haha. later banned your account.

How was the result of the brother after report to bank negara?

Have u read post #1?

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]
• 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), 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
• RM20 for local transaction = 1 BigPoints. Excludes : Government Services, Transportation, Utilities and Fast Food
• RM50 of reload = 1 BigPoints.
• RM2 for overseas transaction = 1 BigPoints. [source]
~ No Extra BigPoints - mamamia, MiKE7LIM
~ Read what BigPay replied to mamamia
** Appreciate more members submit claim on missing points and feedback if happen to spend at oversea.
• Maximum reload amount limit : RM10,000.

What have u done to get banned?

exactly. keyword is MODERATION

problem is, some or many users are desperate for $$ money, so excessive reload to bigpay -> excessive withdrawalsssss is another way for them to "cashout" cheaply & easily than personal loans; this behavior not just flag BP for suspicious activities but also digging deeper debt hole for themselves.

forumers here, especially long-time users, should also post their "experimentations/findings" with moderation and RESPONSIBLY too.

these information may sounds fun/exciting, but those "weak/uninformed users" might think it's a "feature" to further exploit BP without knowing the true consequences.