the points are given after your travel date

That's fine... no problem... if that's final I'll just adjust to the FUP. People who are not affected will not understand this. It's just like government policies... only middle class is complaining because they are the one who affected the most...


Business Trip - Before BigPay

- Prepare full cash, make sure you have enough cash. Minimize credit card spending due to bad Fx. Credit card for accommodation.

Business Trip - BigPay (Before FUP)

- Prepare least cash possible, swipe BigPay as if you're paying cash including accommodation/daily spending.

Business Trip - BigPay (After FUP)

I'll have to re-calculate how much cash do I need, part of the transaction on BigPay, part of the transaction on credit card + Cash. If it's too troublesome and I can only benefit Fx rate at minimal. Yes, I may have to ditch BigPay all for once (again i'm not threaten and I'm no where capable to do so).

Yes. We've actually focused a lot of our attention on building up the infrastructure and our customer support team rather than marketing in the past few weeks. You're 100% right and your concerns are legit!

You can still top up with no limit in the app using your banks debit card or online bank transfer. Why? Banks charge us fees for credit card top ups. We absorb these fees so that you can top up easily and for free. We think limiting monthly credit card top ups is a fair way for us to continue to provide a convenient top up method in a sustainable way. That's why we've introduced unlimited online bank transfer at no charge.

See my reply above!

Thanks for the support!

You can still spend and top up more than RM10K per month... The only thing we're limiting is the amount you can top up with credit card per month.


(sorry it took me some time to reply, but Tony made an unexpected appearance in our office so things got a little out of hand haha)

I don't think people will use bank money to top up Bigpay…
Thanks anyway for the new implementation and hope it stays like that without any extra charges or limit reduce in the future…

despite what people say in the past few pages, if you are truly only after the good exchange rate on bigpay, you would topup with online banking. it's nothing to be ashame of that most of us here are after credit card rebate despite what you say.

and besides to control abuse withdrawal, i suppose one of their concerns is the source of the income to topup? that's why some of our forumers got their card blocked, needing to provide money trail, etc. it's not about withdrawal alone.

You can still top up via bank transfer once you’ve used up your Credit Card top up. I don’t see a big deal of this

we should be grateful bigpay's wallet size (large purse) is at RM10k.

most ewallets are at RM1.5k, while few small purse at RM200.

Only 3 million CC holders in Malaysia so we are the minority. Majority of Malaysians do not own a credit card.
A lot of people will use online banking to top up, just like how we top-up Big Prepaid before BigPay was launched, to buy AirAsia tickets or to perform a retail transaction to avoid monthly fee (RM2.50).

Thanks Jonathan for the explanation. I will rather go back to CC once my cc reload was exhausted. At least other cc still give me some TP/cashback. CASA reload will give nothing.

Sorry, I didn't mention using for oversea purchase, my purpose is not to carry so many credit cards and earn extra points with Big points rather than using bank to reload or use credit card to buy stuff directly.
Anyway I already found ways to top up more than RM10k/month with BP~

you can take advantage of the good exchange rate via bigpay like what others mentioned earlier

haha i see. anyway the 'you' was referring to every1 in general. pretty sure every1 got their own reasons and we just got to adapt to the new rules.

What a heavy brain storming on the FUP (Top Up) introducted which has gone far beyond the business vision of BP, bro Jonathan shall summarize these to feed the team to save their brain cell on thinking all the discussed.

Ok, is actually limit to 10k per card per month instead of 10k per month.

Happy now everyone?

As others have explained, just topup from bank account. Still much better than carrying cash.

If I'm spending that much on an overseas trip monthly I'll top up with online banking. Save 3 % or more on exchange rate will beat almost all reward points programmes for CC.

most of us want 3% + 1 to 5% (credit card rebate), but dun wanna admit.

BigPayJonathan why not this way? unless there is more reason to limit the top up rather than just third party charges.

If they charge cc fee it's against MasterCard/VISA terms and conditions, for one. Also and more importantly that adds friction to people using their card (even if only charged for above 10k, it's the impression it leaves).

And what benefit do they get? So that kiasu people can max out their benefits from other cards?

New rule with 10k cc top up limitation liao

EXACTLY