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...

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

Hi, would like to seek clarification whether Amazon USA accepts bigpay cards?
And also for books rental via Amazon USA, they specifically mentioned about the need of credit card information for in case the book is not returned, they can charge to the card. Are debit cards or bigpay cards applicable in this matter?

Thanks

Hi, just reporting back from USA. I've been using bigpay card for literally every single transaction in any Mart/market(Walmart, Kroger, target, Dicks) as well as any tourist attractions for the past one month and there was not a single issue with bigpay at all. I just have to carry one card out for any purchase everywhere here

You could always check the rates on the MasterCard website (put 0% as merchant fee) and you'll get the final amount. Do take note that certain ATM charges an additional fee for overseas card withdrawal on top of bigpay's rm10.

For example, I'm currently withdrawing money from bigpay every month in USA to pay my rent(I have someone in Malaysia to topup to my bigpay card in Malaysia). I am charged additional $3 USD by the bank on top of rm10 charged by bigpay so it will end up around additional ~rm23 charge per withdrawal and there's a limit of $500 per withdrawal. Hence the final exchange rate is about rm4.182/USD on 2nd oct ( rm2091 / usd500). However, the rate is still cheaper than having to transfer from Maybank2u/cimb to a local bank account via FTT (last checked, Maybank2u rate was 4.196 and cimbclicks 4.22x)

Not all bank charges the same rate for cash withdrawal for overseas card.
I'm using ATM from PNC bank, and it charges $3 PER WITHDRAWAL on top of rm10 charged by bigpay, and maximum amount per withdrawal is $500.
I tried another ATM from Clear Mountain Bank, it charges $3.50 PER WITHDRAWAL + RM10 by bigpay, max amount per withdrawal is $400.
Havent try any other bank other than the two mentioned

for day to day usage in USA, i always use my card to swipe for the best rate, unless i have to withdraw cash to pay for something(the conversion rate becomes higher after considering all the additional charges).
99.9% of the shops/grocery store/mall accepts card payment

i believe the fluctuation of forex rate is minimal and negligible lol. you only refer to that rate to get an approximate amount charged after conversion

FYI, if you're based long term overseas like me, you could actually change your mobile number in the bigpay app to your overseas number and you'll be able to receive OTP via sms in your overseas sim card. This is useful for making online purchases with bigpay card. When you're back in Malaysia you can easily switch your number back to Malaysia number.

Sos: been there done that

Update: I realize different ATMs here in USA has different limit on the amount of cash dispensed. In my uni, there's 2 ATMs(both PNC bank), one which dispense only 25 notes and another which dispenses 40 notes. all the ATM's that i've been to so far, they only dispense $20 cash notes, hence 40 notes is $800. thus it becomes much cheaper if I am to withdraw the maximum amount allowed to even out the rm10 charge by bigpay and $3 charge by the ATM issuing bank.

there is no withdrawal limit imposed by bigpay. it solely depends on the limit on the amount of number of notes the ATM machine you used can dispense. In USA some ATM has 40 notes * $20 (total $800) so i was deducted rm3.3k++ when i tried to withdraw the maximum which is $800. remember to always withdraw the maximum amount you are allowed for each withdrawal to reduce the average withdrawal rate(including withdrawal fee imposed by bigpay & the atm you used).