I see comments and data here and there but nothing conclusive. Iirc seeing someone compared tng visa, bigpay and wise on the tng e wallet thread, I think it was Japan trip. Overall I think the conclusion was tng is worst, bigpay might be better than wise, this is also really a big MIGHT.

Problem is you need the data all to be transactions made on the same day, same currency and may depend on posting date which is not easy to compile.

I think bigpay still ok for overseas travel for now until someone conclusively prove their rate is too uncompetitive. I mainly just think of it as a reliable prepaid card. But the 1% credit card fee charges is probably what I find harder to accept la. But since their exchange rate still ok, I will still use them, at most from fpx only lo.