how about taking photo of the real IC, then cross it out using photoshop?

have not try yet... anyone try before?

want to ask experts using bigpay.. anyone tried using the card to churn airmiles? from what i read and understand, it can also be used as a way to hit minimum credit card spending for fee waiver (m2cp etc).

for ease of withdrawal, load maximum RM 9k to bigpay, using M2CP VI, spending RM 9k = about 4k miles. After loading, withdraw from ATM (RM 3k x 3) with fees of about RM 18. 1 year can get about 48k miles at cost of RM216 where the miles value is at least RM 1,920 (RM 0.04 / mile). At same time by pass the minimum spend for M2CP.

Even more interesting is if using MBB Diamante VI which earns 5x points on any spending...

again this is not stated in the terms and conditions. and nobody else reported of any bans besides the uncle who is no longer active.

Actually your statement is kinda wrong in many ways. Our money is not supposed to lock and ‘used’ by BP for funding or whatever you want to call it. It is governed but Finncial Act.

wrong

withdrawal feature is a MANDATORY feature for emoney issuer/ewallet. it's the policies and enforcements that differs from issuer to issuer.

user's money is put in a TRUST ACCOUNT (and reported to BNM) and is treated differently by the bank (very very low interest compared to retail/biz account).

sifus here have spoken what really happens. what u think they want and what is really happening are two different things. we may not be right all the time. sometimes it's good to be humble and to listen to other ppl's opinion as well.

Tried this card at the following:
- Watson Tesco ampang = fail
- MyNews Tesco Ampang = fail
- Tesco Ampang = fail

Note : All 3 using Wave function. Not pin

What are the use case of this card that u guys use for?

is this useful for online shopping ??

Hey people. I was in Europe for 2 weeks - hence the lack of reactivity on my part. If I've missed anything important, please PM me

Meanwhile... I changed money at CIMB just before leaving and compared with the rate I got from BigPay.

CIMB: 1EUR = 5.05RM
BigPay: 1EUR = 4.76RM

It essentially cost me 29RM more to spend 100EUR with CIMB than with BigPay.

Mind. Blown.

midvalley guy provide atm withdrawal oversea?

so how he gonna get the rate without spending/withdrawing at oversea?

stating the obvious

Actually how come mid valley one always so crowded? Is it they offer the lowest rate?

Not in my opinion. I work in The Gardens and have no idea what's so great with them. In my opinion, the better rates are in Nu Sentral. The ones in MV are relocating to new place and temporarily closed, now causing the one in The Gardens area super crowded.

To me, their price is competitive but not the best. Most of the time, I won't have such patience to queue, so I will go to the one in a convenience store (same floor as these money changers) or straight go to Maybank. The difference is minimal since I don't exchange a lot plus my time is more precious.

Kiasu and herd mentality. I always go to the Maybank to change with no queue instead.

The difference is very small like around RM10-15 per RM5K transaction

For the avoidance of doubt, Promotion A Retail Spend shall EXCLUDE the following:
a) Any retail spend by recurring payment or auto-billing;
b) Cash withdrawal in any method (i.e. Automated Teller Machine, over-the-counter, quasi
cash, etc.);
c) Portfolio products such as Balance Transfer (BT), Call-For-Cash Plus (CFC Plus), Call-For-Cash
(CFC) and Flexi Payment Plan (FPP);
d) Refunded, disputed, unsuccessful, reversed, unauthorized, fraudulent or unlawful
transactions; and/or
e) Any form of services or miscellaneous fees, including finance charges and fees such as credit
card annual fee, late payment charges and government service tax, imposed by HLB.

The error message doesn't make sense, as Shopee told us they had changed payment gateway and that their new one didn't accept BigPay lol. Still managed to buy something from them 2 days ago so... Trying to reach out to their payment / tech team to get this miss sorted out.

You guys are seriously underestimating us lah Or haven't quite understood BigPay's vision / mission. oon, we'll be providing remittance and international transfers with lower fees than anyone. When we provide instant loans at better rates than anyone, with a unique credit scoring system that doesn't just mindlessly take numbers into account - but behaviours... It'll change the game forever. And that's just the beginning Imagine a bank that helps you build financial wellbeing on multiple fronts: literacy, savings, investments... But I understand that if the only reason why you're using BigPay is to gain cashback or rewards, then all of this probably doesn't appeal to you right now. We're not Boost. We don't want to incentivise people to spend. We want them to be financially free. A lot of people aren't lucky enough to have fair access, or even access at all, to all these financial services - and we'd like to change that.

Why sound so harsh? Just give them benefit of doubt

That one is blind guess only la, dont confused.
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No worries guys,
One down, another one will raise up.
As you all know e-wallet is competitive now.

correct. and only credit card accepted. no debit or prepaid card