I would expect doing that will set you back by about 2% compared to BP on exchange rate. Unless you withdraw small amount and your bank doesn't charge you for ATM withdrawal.

You should be very happy. Just checked Xe.com and it shows RM 8.00

While overseas, I can get other card's SMS but not Bigpay's. Don't know what is the problem

Good to know. May be my problem is a one-off problem.

Luckily for me I loaded a huge amount before I went for overseas travel so no problem for general purchases. Just not the online ticketing purposes.

I couldn't get mine on Redtone roaming. But I can get SMS from my other cards, just not BP.

You will always have access to Australia's rate from now onward, even after you returned. The more country you visited, the more rates will be available to your permanently in your apps. Ha, it will records which country you have been.....so you can't lie about not ever been there. LOL.

Thank you

Yap, for the time being, the best card for traveling.

And it also depends which country you are going to. For more advanced western countries, probably 95% of my spending are by card.

May be that's because it's a Prepaid card? What if there is no money in the card when the auto transaction wanted to go through on that particular day?

For overseas travel, it is ALWAYS a good idea to carry more than one card. One Visa and one Mastercard. Widespread failure have occurred before.

https://www.wired.com/story/visa-outage-sho...lobal-payments/

I may be lucky but I have never encountered top up problem (except while overseas and that could be either BP's or Telco's problem). And never any problem during local online purchases nor overseas spending.

And the apps keep all your spending records and that is important to me. No months-later-statement-reconciliation-issue for me.

Of course.

Visa/MC server can go down.

A particular bank's server can go down.

So you naturally want to minimize your risk of card not being able to function.

You can't think that way.

if you insist on 100%, then you can't use Visa or Mastercard. Because both have records of global failure before. Well, sort of Global.

So what card are you going to use then? And even cash will sometime fail or frustrate you when you don't have Wechat pay in China.

https://www.theguardian.com/business/2018/j...-we-know-so-far

https://www.ft.com/content/1fd2a066-860f-11...9d-73e3d454535d

I do. BP is, for the time being, a great card for oversea spending. And also a great card for tracking of spending.

This is indeed a concern.

But then, if you swipe and if it fail straight away, you can always pull out another card. And if it doesn't fail straight away and you have already enter the premises, you wouldn't be holding up the queue by then.

No problem with paying for stuff in USA. And as usual, great FX rates.


This post has been edited by touristking: Sep 12 2018, 02:52 PM

Sure? Sometime I have other credit card's SMS OTP reaching me a couple of hours later and by then, it's useless.

It does happen to me from time to time. So I just change to another card which have no problem receiving SMS.

From a consumer point of view, I only know sometimes this card have problem and the other card doesn't. So all card one time or another have problem, not just Bigpay. No card is 100% fault free all the time.

I purchased apps from Google Play. No problem.

Something interesting occurred. Was trying to top up with credit card and put in the wrong CVC number and OTP still came. How come?

Luckily the OTP doesn't work.

For developed Western country, you need very very minimal cash on hand. In fact, I think what you may need is some coin instead to operate the airport trolley

Some of these trolley are like the supermarket cart, you need to insert some coin to release one for use.

I purchased 5 AA tickets in past few days. None have problem. May be you are just unlucky.