If I don't travel? Then Airasia points is useless for me right???

RM0.50 really is good. They earn money and is cheap for us. I am happy.

If BigPay cancel cc topup, then is only good for overseas usage. Other than that pretty useless unless their overseas remittance rate is money changer rate or better.

As mentioned they merely copied revolut, monzo ways of working.

Also kind of too late to enter Singapore market with so many of their competitors setting up shop. Wrong place to branch out you don't offer anything back (caahback/rewards)
as there's are already few BigPay likes down there Youtrip, DBS debit card link to their multicurrency account. Revolut set up office but haven't opened shop in Singapore yet. There's Grab Mastercard which is not ready yet. So let's see how they going to stand out in a crowded market.

And there you go. They earned money form out cash sitting with them. That's why they are so reluctant to let you remove the cash.

This post has been edited by Ramjade: Aug 31 2019, 09:32 AM

You are missing the point here.if you want to be profitable, you need to take some marketshare like grab vs Uber. Uber lost marketshare to grab hence grab will be able to monopolise the market

They might be successful in Malaysia for now (until a time come when no benefits are given by combining credit card usagw) but with more competitors in SG market is gonna be challenging for them..

BTW grab Mastercard is not released to public yet.

How to gain marketshare when you are not the only one in town?

How to gain marketshare if got no discount/cashback/rebates? You cannot gain marketshare when your competitors are already established and offering the same thing as you (cheap overseas transactions) You see my point?

This post has been edited by Ramjade: Aug 31 2019, 09:54 AM

Of course can but You kena charged marked up exchange rates by banks. Defeats the purpose of using card like BigPay.

Always pay in that country currency.

Depends on what you want.

I use the card for only 2 reason
1. Overseas online shopping. Way cheaper than using cards issued by banks.

2. 2nd reason is as below listed in bold. Change online cashback category to everyday /everything cashback so I am not stuck with online cashback only.

Nice for bank transfer and international money transfer to be online.

Just need to re do verification again

BigPay seems like down. Keep saying card not activated. Cannot obtain card info.

Depends on cards. Maybank already totally banned BigPay.
Points by banks are usually pathetic. Not worth to chase.
Most of the time cashback > points.
Unless you are going for airlines.

This post has been edited by Ramjade: Sep 24 2019, 10:12 AM

Let me test after 15/10. Then I let you know which one is the cheaper option.

This post has been edited by Ramjade: Sep 25 2019, 08:14 AM

I always use my card to buy stuff from US (not from amazon)
1. Make sure you have enough money inside.
2. Make sure you already verified your card with the merchant
(sime merchant will do a charged of say RM1 to your card with specific code). You need to check it out with the seller (amazon in this case).
3 Use PayPal.

Thanks for the head up. I will do a comparison soon for MYR - > SGD for BigPay and it's 2 other competitors.

I compared instarem with money changers and they are more or less same with money changers. Hence instarem have always be my go to choice for overseas tranafer (if you want to take note).

If your rates are better, you will earn yourself a permanent customer for foreign transfer.

This post has been edited by Ramjade: Sep 25 2019, 10:15 AM

Ouch. So much for waiting for Bigpay remittance.

Use the card for everyday transactions (MRT + bus)
Why do you need to remit money to Singapore (I am assuming you are working there)? As others mentioned, there are cheaper ways to remit money to SG. Shop around and see. SG is a country which is quite card friendly except for their hawker stalls which are still using cash.

This post has been edited by Ramjade: Sep 25 2019, 12:07 PM

Just use the card when you are there. Draw out cash if you need. Until a time when their rates is good then yes use remittance.

Of course la. If possible they don't want you to withdraw the money.
Good move on them.

Money inside generating money for them. Not for you.