Previous Threads
V1 by (forgotten) replaced fairylord



BIGPAY Prepaid MASTER Card that collaborating with AirAsia.
Use this card at any merchant that accepts MasterCard worldwide.
Enjoy good cash back by reloading selective credit card (Gives you cash back up to 10%* literary)
By BigPay Malaysia Sdn Bhd (formerly known as Tpaay Asia Sdn Bhd)

*The purported 10% is actually from the source cards (depending on the credit card used, cash back is up to 10%) used to reload the BigPay.

Official Website : https://www.bigpayme.com/


Historical evolution of product : 1- 4 as in Thread V1

Benefits

• Exempt from the SST RM25, as it is a Prepaid Card.
• Annual Fee waived unconditionally.
• AirAsia flight processing fees waived if using BigPay to pay. - [See Details]
• RM2 Discount on purchase flight meal and luggage. - [See Details, tan_aniki, fruitie]
• AirAsia deals will be offered to BigPay holders, usually a day in advance.
• Remember to paste the Referral Code for Free RM10 while sign up.
• Credit card (Max RM10,000/mth RM5,000/mth RM2,500 starting 2 June, reset on 1st of the mth), Debit card and Bank Transfer can be used to reload in App. [AMEX not Top Up Source (yet)]
• Enjoy cash rebate by reloading with selected cash rebate credit cards.
• Good foreign exchange rate (almost equivalent as in XE.com) for oversea usage. [Example, official tips, blog]
• Instant transfer money to anyone (BigPay users) for Free. Max Daily Limit : RM2,000.
• Link to your BigPoints Account and earn BigPoints while Reload and Spend. - ohcipala
• BigPoints validity is 24 months.
• RM30 RM20 RM10 for local transaction = 1 BigPoints. Excludes : Government Services, Transportation, Utilities and Fast Food - FAQ rev official FAQ
• RM20 Pay Bills in-app = 1 BigPoints - GrumpyNooby

• Maximum wallet amount : RM10,000
• Contactless Payment (PayPass) Max Daily Limit : RM250 - Auto-enabled upon 1st pin-based usage
• Local Bank Transfer : Max RM1,000/day 24 hrs, capped at RM2,000/mth, Fee : RM0.50/each [FAQ]
• Oversea Bank Transfer : Max RM20,000/day, RM30,000/mth, Remittance Fee : Refer to BP Apps [fixed at RM5 - RM23/each transaction]
• Oversea Bank Transfer : China, Indonesia, SG, Aus, India, Nepal, Bangladesh, Philippine, Vietnam, Thai
[Join Official Telegram for exchange rates - updated daily 11AM]
• Worldwide selected ATM withdrawal : RM10,000 or 10 withdrawals daily whichever come first


Selection of Bank (Try below) when make online payment if requested :
• CIMB - sendohz, sendohz
• Type "BigPay" - hye
• Tune Money Sdn Bhd or TPaay Asia Sdn Bhd - rap7733


How to apply?
• Download BigPay Apps from Google Store (Click Here) Or Apple Store (Click Here)
• Open the App then click "Sign Up"
• Key in Mobile Number
• Fill up simple personal details (and Referral Code)
• Snap image of your ID/Passport and Selfie
• Wait for In-Apps Notification / Email on Document Approval in 24hr
• Go to App, reload RM20 (will be in your BigPay Card for your use) by credit/debit card only
• Wait 3-5 working days for BigPay Card deliver to you (so far as per member, by Citylink)


How to activate the card?
• Once received BigPay Card, open the App click to acknowledge receipt of BigPay Card
• Fill up the CVV to activate it
• You may now set 6-digit pin for the ATM and POS or do it later in Setting
• You may now link to your BigPoints Account or do it later in Apps



Fees and Charges : (Latest refer to official Webpage)
• Domestic ATM withdrawals - RM6
• International ATM withdrawals - RM10 or 2% of withdrawal amount, which ever is higher [RM10 only until further notice]
• Currency Conversion Fee [applied when the purchase is effected in currencies other than MYR - 1% + network charges (only network charges until further notice)]
• Cross Border Fee [applied when the purchase is through merchant acquired outside of Malaysia but charged in MYR (waived until further notice)]
• Lost Card Replacement - RM20
• Sales Draft Retrieval - RM15
• Inactive Fee - RM2.50/month [waived until further notice]
• Card Cancellation - Free
• Card to Card Transfer - No



Reload BigPay to enjoy Cash Rebate (CB)

CC that entitle CB :
• MBB FCB VS (2% & 10% [May and Aug]) - SzeMeng76, cybpsych - no more CB July 2019 onward
• PBB Quantum Master (5%) - celaw
• PBB Quantum Master (5%) - weejin2000, joevo2
• PBB Visa Signature (6%) - LostAndFound
• PBB Visa Infinite (0.3% unlimited Cap RM80) - tan_aniki
• SCB Liverpool FC (previously known as SCB CB Gold) - ckweng
• SCB JOP (1.87%) - 3.4% due to CC rev T&C July'19
• ÆON BiG Visa Gold (2%) - MiKE7LIM, first come first serve
• AmBank True Visa (3%) - alexanderclz, CB, CB
• HL Essential (0.4% for $7000, then 1% unlimited) - cybpsych, dkwan87
• HL Fortune (1%) - chlee87, snowswc
• RHB Signature Visa (1%/2%/6%) - ClarenceT
• Alliance You.nique (1.2%, 3%, 0.3% unlimited) - iXora.ix, tan_aniki
• OCBC World Master (1.2%,0.6% unlimited) - simonmada
• OCBC Titanium (1% unlimited) - hebe87, hebe87, but jack2 no CB, CB updated late, 0.1%+0.9%
• OCBC 365 (1%) - baocord
• OCBC Cashflo (0.5%) - shadoe
• UOB One (0.2%) - terry5695
• HSBC Amanah (0.2%) - terry5695



• HSBC VS 5X point (=1.67%) - chonghe [Promo extended with new T&C], extended throughout 2019, no longer valid
• AmBank Bonuslink (=3.0 0.3%) - 3000 Bonuslink Points = RM 30 Shell Voucher per mth, latest found RM1 = 0.3 points only


CC that might entitle CB : pending (re)confirmation
• TBA


CC that entitle Miles/Points/etc :
• NEW LIST - come come come, member share your information
• Citi Rewards - 1:1


Merchants Issue

NOT APPLICABLE for : - see request
• Terminal that do not accept MasterCard cause BigPay is a MasterCard.
• Car workshop (unknown merchant) - MGM due to terminal can't support 'prepaid' type of transaction - Ambank Terminal
• Shabu Garden - Kuchai Lama - sendohz - PBB Terminal
• Mara Ibu Pejabat - slayersssss
• WeChat Pay - fruitie
• TGV (via MasterPass) - szejz123
• Traveloka - MilesAndMore, due to "Cybersource"
• RedBus - web and apps also not applicable



Previously/Occasionally N/A > Now Applicable ! :
• Grab - refer to 1st Post Special Updates bottom of this post
• Homecafe Taman Midah - stargate8
• Boost - sailou, fruitie, see how codeiki had successfully topped up. Mid Aug 2088, Boost said BP is not compatible., BACK!
• TM/Unifi - MGM, siawyent
• mobile@unifi app - alternative by borneoman1
• (ipay88) Touch n Go eWallet - cybpsych, BP is addressing the issue, Update TnG apps, working now! Still failed? Try this trick
• Agoda - mamamia & touristking , Ikwah86


Applicable but sometimes Hit-And-Miss:
• Shopee - shmily86, Cybersource ! TIPS : Work Around - spyrr
• myeg - drbone & cybpsych, successfully paid summon - yhtan


Oversea Withdrawal

Oversea ATM that charged fee on Withdrawal (+RM10 by BigPay): - see request
• Singapore $3 ~ $5 overall, DBS $5 Max $2k
• Singapore Changi Airport S$5 - DBS
• Thailand 220 Baht - Thai Bank, Citibank (200 Baht), UOB, Max 25,000 Baht, Max 50k Baht
• Thailand 150 Baht - Aeon Thai, Aeon
• USA $3 - PNC, Max $500, $800
• Australia - ANZ AUD2 (cheapest), Comm AUD3, Max $2,000, avoid Westpac & Bank of Melbourne - use own rate way higher
• Canada CAD$3 - CIBC, BMO Bank of Montreal, RBC Royal Bank
• Seoul, South Korea (near myeongdong) 3500 won - KB BANK
• Prague czk 99 - Euronets ATM
• Philipines - 250 peso - BDO, Max 10,000 pesos
• Vietnam - ANZ Max 5m VND, other usual Max 2~3m VND, Extra Fees abt RM10
• Cambodia - USD 5-6
• Taiwan - NT100 @ China Trust Bank, Max NTD 20k


Oversea ATM that charged ZERO fee on Withdrawal (only RM10 by BigPay):
• Japan - pending more info, SevenBank@7-11, Narita Airport, Max 100k Jpy@SevenBank
• Singapore - HSBC | Max $1k, OCBC | Max $1k, ICBC@Sentosa | BOC Max $2.5k BOC | Citi Max $3k
• Seoul, South Korea - KB Bank, Don't withdraw at Airport, Max 700k Won
• Taiwan (Max NTD 20k, Airport @ Tao Yuan / Kao Shiung Max NTD 20k, banks), list of banks
• Indonesia - CIMB Bank Niaga@Jakarta T3 Airport
• Oman - International Airport Arrival Hall - HSBC
• Salzburg, Austria - see this, Max EUR 300
• UK - avoid ATM in Bars/OneStop -£2.50
• Thailand - MBB ATM
• China - ABC, BBC, BOC & ICBC ATM, to be testified using BP card
• Swiss - Duetsche
• HongKong - HSBC
• Germany - Sparkasse Max EUR 600
• Turkey - Ziraat Bankasi @ Istanbul Airport



Oversea ATM Withdrawal : pending (re)confirmation any fee
• Singapore Changi Airport - BOC $2.5k | MBB $1.5k



FAQ in Thread : for official FAQ - link

Q1 : How much BigPoints awarded if i spend less than RM20?
A1 : The point will be round down. Example, pay with big card with amount RM19.99=0 point.

Q2 : How soon the BigPoints awarded upon Reload and Spend?
A2 : 3-5 days on Spending, 1-2 days on Reload.

Q3 : How to link BigPay to AirAsia BigPoints?
A3 : Use the same email address that you used to registered AirAsia BigPoints account, the point will then sync automatically. Or you may link it in App Setting if it doesn't sync by itself.

Q4 : Can I reload BigPay with other's credit card?
A4 : BigPay FB replied to drbone that no issue to use other's cc to reload. [MGM, glauncher, BP is monitoring]

Q5 : What's the maximum amount withdrawn via ATM?
A5 : Maximum withdrawal allowed is RM10,000 [BigPayJonathan per day, daily capping. Subjects to individual ATM or CRM, how many notes that ATM/CRM dispenses once (eg: 30,35,40,50,99), what is the max denomination notes that ATM/CRM dispenses (eg RM50 or RM100), SO same bank different ATM/CRM may have different limits on max withdrawal allowed. AVOID RHB & PBB ATM for withdrawal - makan BP card



Q6 : How long would it takes for the status of a transaction to changed from "Pending" to "Settled"?
A6 : It may take up to 5 days or more to update the status to "Settled".

Q7 : How long would it takes for the BigPoints to be reflected after "Settled"?
A7 : It may take up to 2 days after Settled (latest as per members).

Q8: Do I need to have more than RM200 to pump petrol?
A8: Yes, If your pump at petrol island which terminal need pre-aut RM200. Unless you pump at petrol island (like Petron) which terminal allow you to pre-set amount to pump OR you pay at cashier by informing the amount to pump in prior. Further explanation see - [ClarenceT & cybpsych, BPJonathan].

Q9 : Can the card be over swipe if to spend amount more than balance amount in card?
A9 : Yes, BUT the second transaction decline automatically.

Q10 : Can I Top Up, Large Amount, Withdraw via ATM, Very Frequently (defined by provider), merely to enjoy the cash rebate under top up source card?
A10 : Not Advisable. Please read the following posts for reference as advises. To read the original post of the quoted, please click the at bottom right of every quoted post.
Latest Updates : Tentative official announcement on about ATM withdrawal limit/frequency is by end of July, stay tuned. (month cap at RM10,000 top up via credit card FUP introduced)

By Moderator :
By members :
~ Aji_ShiO - ignore this spoiled post as Invalid
~ cybpsych
By keyword search in Thread V1 :
~ TaiSong (for withdraw 60k in 2mths)
~ ATM
~ Susp* (for Suspension/Suspended)
~ Ban* (for Banned/Ban)




.

This post has been edited by fairylord: Jan 11 2021, 10:57 AM

FAQ in Thread : (cont')

Q11 : What are the differences between BigPay Mastercard and previous BigPrepaid MasterCard?
A11 : See tabulation below.


Q12 : How to check exchange rate of BigPay?
A12 : After transaction recorded, exchange rate shown In the app itself. At first it will show "Pending" and after few days it will show as "Settled", the "Settled" rate with real time rate, very minimal difference, both "Pending" and "Settled" amount doesn't show much difference. (official tips)

Q13 : Which is cheaper for Oversea usage : ATM withdrawal Vs Swipe BigPay?
A13 : Swipe BigPay. Always pay directly with your card when you can. And if you need to take out cash at the ATM, always choose to be charged in the local currency of the country you're in. (official tips, Mod)

Q14 : Will I be rewarded also BigPoints by AirAsia besides of the BigPoints by BigPay?
A14 : Yes, and the rate subject to your AirAsia Loyally membership tier and only on the base fare (Min RM100) and the purchased add on.

Q15 : How do/can I receive OTP code from BigPay for online purchase while I'm oversea?
A15 : Almost all of the Malaysia sim could receive SMS FOC while roaming at oversea, OR you may update the oversea mobile number in BigPay Apps to receive OTP code via SMS to your oversea sim.

Q16 : How long is the maximum days a transaction will stay in Pending stage?
Q17 : Does BigPay return my fund if it's not Settled?
A16 & A17 : As per Official answer to "Why do payments sometimes fail?"

Q18 : Shall I used BigPay card as VAT Refund for Europe trip?
A18 : It's not accepted by authority. But, UK VAT refunded successfully.

Q19 : What is the latest MCC Code of BigPay?
A19 : MCC 6012 MCC 6540 Non-Financial Institutions – Stored Value Card Purchase/Load

Q20 : How to remove Top Up source in Apps?
A20 : Go Settings > Top up Sources > Select Card > Delete this card

Q21 : How to do setting on Paypal to convert currency via BP to have better rate?
A21 : Read this post.

Q22 : How the charges using BP as Ezlink for public transport in Singapore - SimplyGo?
A21 : Fare charges will be accumulated for up to 5 days or after a total of $15 is spent on transit fares, whichever is earlier + $0.50 admin fees.





.
Important Notice : by Moderator
.





Introduction Post : by Jonathan, BigPay staffs & Lyn Mod
Important Notes : by members

Special Updates : GrabPay


Application New Features Update Log :
• 4 July 2018 - Added Bank Transfer as Top Up
• 4 July 2018 - Replacement Card request via Apps [see image]
• 25 July 2018 - Request money fron friend/Split Bill [see video]
• 6 Aug 2018 - MasterCard PayPass contactless feature
• 10 Sept 2018 - "Friends Nearby" in Split Bill
• 22 Oct 2018 - Unhide previous hide Transaction
• 13 Nov 2018 - In-app support chat
• 19 Feb 2019 - Screenshot on Android, CC Top Up Limit Balance
• 6 Nov 2019 - PDF or CRV statement with BP letterhead
• 17 Feb 2020 - Filter transaction with criteria


Hidden Gems : We shall explore further for more benefits, lets dig more!
If you encounter problem, please forward your support requests via their official Facebook channels/Live Chat in apps.

.


This post has been edited by fairylord: Apr 4 2020, 02:04 PM

Wow, V2 now...this card is really on fire!

As shared earlier by other members here, there is a 1% rebate for OCBC Titanium. I managed to get it for using it to reload BigPay, 0.1% on statement date and another 0.9% a few days later.

As for credit card collection, I asked OCBC to send the card to me during application and I received it, no problem with that.

At KFC's MPay credit card terminal, my card was rejected...

KFC uses only MPay card terminal. [Edit : "?" Meant to be question]

By the way, not.mistaken, MPay also a prepaid card instead.

This post has been edited by fairylord: Jul 22 2018, 04:17 PM

Mine went through without issue at KFC lowyat.

I still remember long long time ago they were using CIMB terminal..

added my card in shopee and it’s shown as CIMB bank card. is it normal?

Yes. Even I use CIMB promo code also can.

Mine's shown as CIMB as well.

abit unrelated but what is the cimb code?

I mean CIMB CC promo code for shopee is eligible for this card.

i top up 2 day ago, but the top up transaction didn't reflect in app

successful top up, credit card charged, just didn't reflect in app

Has anyone tried using Alliance Bank Younique cash back card and gotten cc cash rebate? Not the most popular card but wanted to just double check.

Thanks in advance.

Hey I plan to reload 6012 into BigPay via CC then withdraw via ATM (2 withdrawals, 3k each) , on the same day
will this get me banned ?
Plan to convert the 6k to 0% 12 months IPP

fairylord take away this: RM2 for overseas transaction = 1 BigPoints.
BigPayJonathan already said no such thing and we can't find anything about this in the apps as well.

1-2 times/month should be no issue

This post has been edited by tan_aniki: Jul 22 2018, 06:18 PM

This is great tips!

You mean the transaction not reflected on the list details on Apps? Hmm...BP should fine tune this, probably the real time (ms) improvement.

Mind to share more details on CB details of this card?
And is the MCC code fixed for BP (as merchant)? Where can we can more details about this MCC.

Thinking to add these details to post #01.

I'm still hoping for this feature to be added in roadmap, haha..

https://www.alliancebank.com.my/younique

iXora.ix post was the one started it all, triggerred us about bigpay back in March 2018 then bigpay spread like wildfire until today.

This post has been edited by cybpsych: Jul 22 2018, 06:54 PM

**removed, dont think worth the risk**

This post has been edited by cybpsych: Jul 22 2018, 07:09 PM

If using shopee to take money back to casa,why don't just use boost app to top up then transfer back the money to casa,the fee is cheaper then shopee.

Will add this to CB card list on post #01.




Attached thumbnail(s)

pls credit back iXora.ix

saw iXora.ix in travel to japan thread
I think he is there now

check in for V2
very quick progress for this card

Not able to link my Bigpay card to Grab either by website or Grabpay app

Try the below

https://forum.lowyat.net/index.php?showtopi...post&p=89135996

I thought this was fixed already? I was able to do it more than a month ago. Earlier there was issue with adding BigPay into Grab. Maybe need to highlight to BigPayJonathan.

Same goes to me that able to linked my BigPay into Grab for a month ago too and been reload to GrabPay by using BigPay multiple times.

Thanks much, will have to try to use the search forum more effectively.😀

Hi, anyone use BP to pay the MPKJ assessment?

Many thanks for reply

Last week I used it to pay to MPKJ, no problem and points earned too.

Nowadays I use AmEx to reload but still keeping BigPay card as one of the active linked cards.

Already submitted my enquiry to Grab. Thanks for sharing the link

Maybe it worked before then and now it doesn't? Or probably it's doesn't work on a weekend? Will get feedback from Grab on issue

This post has been edited by kyle_kon: Jul 22 2018, 11:56 PM

Not too sure then. Can also feedback to Jonathan.

Will do once I get their reply

If that is the case.. simply top up 8k can get 80 cash back. Quite good also

anyone tried to top up BigPay using public bank credit card at 12.01am to 1.00am?

what is the transaction date shown in the credit card statement?

the cashback for this card is tiered, so if spend rm3000 total cashback earn is 50 not 90 right?

Correct.

Hi all,

Last weekend tried to use my BP card at Oliver supermart and Billion supermarket, both decline my cards saying invalid pin number at the cc terminal machine.

Is it means that it reject prepaid card?

Thanks for reply

Where is the location?
Any information on which terminal they are using?
What are the error appear on the terminal screen?

oliver @ Mines shopping mall and Billion @ Bandar Tech Kajang.

Both showing error " Invalid Pin Entered"

Billion using Maybank terminal.

you can add 3rd party card in m2u but subject to approval and limited payees too.

better pay direct to merchant's portal, if available.

My question would be - Did you entered the pin for BP correctly? There's 2 pins in the app.. One for app and another for the card.

thank you

I have requested to add from M2U before, but it was rejected after 3 days.

That's a pretty good idea. I Don't use Boost much. Looks like will start using a lot from now on.

Trying to add bigpay into shopee app but was keep fail since last Sat. Anyone can help?

Server error. Pls retry.

Top up boost app using cash back card eg PBB VS entitled for normal cash back & cash back 4u campaign?

Wrong thread.

Boost app I not sure entitled cash back or not,but I know big pay is entitled cash back.U can try like PBB VS>Big pay>Boost.

so far no confirm answer yet for big pay entitle spend now 4 more campaign. Will need to wait for wk1 result..

For the insurance auto debit, my case finally resolved today where auto debit is success finally. Seems like is BigPay had corrected at their end as Manulife told me they didn't do anything, just keep on auto debit every working day.

Update: Manulife & BigPay both side claim that they didn't do anything extra and suddenly the charges go through..

This post has been edited by celaw: Jul 23 2018, 04:05 PM

Already got the WK1 RM50 cash back for topping BP~


Attached thumbnail(s)

Hi guys, just want to verify, does purchase of AirAsia flight ticket using bigpay card qualify for bigpoints? I bought over rm5k worth of economy flight ticket but none of the transaction awarded any bigpoints...

Reporting: my dbkl payment via payonline was successful!

That day I also bought economy flight which I was told not entitled any big point under AA, but you will still get big point for big pay spending RM20=1BP.

under bigpay, can get 1 bigpoint for RM20
- for example, if you pay flight tickets for 2 person, total RM1000, you get 50 big points


under airasia, can get big points via airasia big loyalty membership (by keying in big member ID during flight booking). for this, you can get big points for your own flight tickets only.
- for example, you book tickets for yourself and your wife under same itinerary, total RM1000 (RM500 per person). you can only get big points for RM500 only (for your own ticket only). the big points earning is based on tier.
- this big points will be credited within 5 days after the actual flight date.
https://www.airasiabig.com/my/en/askbig-mobile?topic=12

I did not receive any points for bigpay spending for my flight tickets though

when u spent for the flight tickets?
for bigpoints earning through bigpay card, the transaction status must change to "settled" first then only bigpoints will be given.
you can check the transaction status in bigpay apps

How come I didnt receive mine I reload on Monday !

After submitting my report to Grab and following up with their support team, now I could finally link my BigPay card to my Grab account. Thanks fairylord for sharing the link

This post has been edited by kyle_kon: Jul 23 2018, 10:24 PM

lololol, so I demand a cup of kopi la mcm ni

oh hi. Lets go japan

Anyway, I like to use the bigpay app especially the breakdown function, which really helpful to manage my spending(although I primary use this card for AA only, else put on drawer ) I think beside debit card, this prepaid card can teach youngster how to manage their money. And their exchange rate, almost similar to xe and google, which good.
Although it didn't have wave function, but its better like this so in case card got lost or stolen, the money inside pretty sure safe until owner lock the card

There is a 2% charge via this method, which is rather high.

that would belong to WK2.
patience ...

Limited to RM2.

Okay good to know. TQ.

Just noticed only base fare min RM100 to be entitled for point under AA. However, I do received point on spending under BigPay. Thanks for the information.

Thanks for report back, glad you did it!

To members,

I noticed the last couple of posts from a few members were totally not relevant to this thread. As a result, the posts are now removed and members activities would be observed. Would like to remind them to stop posting such immediately.

This post has been edited by hye: Jul 24 2018, 08:23 AM

For those who wish to get more Big Points by booking AA flights, please use apps rather than website, you got more points and meals plus baggage deduction if you don't use for business purpose.

Yea, i just noticed as well, haha..

Paiseh

You mean the big points app?

AA apps

I reloaded bigpaay vard but payment still failed when i wanna pay for air asia. Anyone having this problem?

Check if you have the confirmed AirAsia itinerary issued and sent to your email? Sometimes it's the payment confirmation page that failed to load, not the payment itself.

My sis using my BigPay Card to purchase AA right now and no problem i think.

I receive OTP for the purchase and gave her.