those who dont want to withdraw money from ATM, there is workaround: go through Shopee.

there is a seller who can transfer money to your preferred accounts, with little convenience fee (one i saw is 2%).

meaning, you pay shopee using bigpay -> shopee seller transfer money to your SA.

downside with this is users are still having issues doing payment at shopee using bigpay. myself included, keep getting error, not able to add card (server error), etc.

another downside is 2% fee. max transfer would be RM300 if you break-even with bigpay atm withdrawal fee of RM6.

not sure if there are sellers with lower fees. havent drilled much in shopee.

worth the effort?

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

why bank stop giving cb for bigpay? because the nature of bigpay itself, likely because bigpay's ability to withdraw/convertible to cash.

banks/cb identification* looks for actual retail purchases/payments (to end-merchants), not to a different card which can convert to cash.

not all banks/cards are strict, but there are some cards in post #1 have no issue.

now, *identification itself can be few parameters: mode of payment and MCC (registered nature of business). some cards are lenient, e.g PBB, as long as detected as Online mode, it passes. some detected bigpay's MCC 6012 as Financial Insitution and disqualify it.
the one getting calls for statement, it's their policy to monitor bigpay's users and flagged internally; it doesnt mean full block enforcement needed. there is no complete set of rules/policies set by BNM to do just that. it's up to each provider to setup their own detection rules and policies adquately to satisfy BNM before rolling out ewallet to the public.

if many bigpay users complaining to BNM about its policies and enforcements, BNM would then spring into action against bigpay to justify their policies and provide recommendations to do it "better" <-- tighter? more rules? etc etc ... you see, BNM let the providers make their own additional rules for as long as it doesnt compromise BNM's basic guideline.

if you are a genuine bigpay user, normal reload and spending is within general parameters. but if you reload excessively and withdraw excessively without much activities with bigpay, you're giving bigpay a big red alert 

pace your reloads, pace your withdrawal. dont be greedy la.
internally, bigpay also to manage its operational costs and fees to other related partners/banks for the bigpay facility they are using (e.g. cc reload, fpx reload, all these have underlying fees to manage and pay!). we end-users are paying zero fees (to-date) to bigpay!
well, any ewallet with withdrawal capability is a double-edged innovation vs rules & regulations.

it is just a matter of time, I expect it may happen in 1-2 years from now.

(1) Credit card interchange fee down to 0.48% by 2021, so the credit card issuers will reduce cashback rate/amount.
(2) In Europe, you can use a Prepaid card to pay loan, same MCC (6012) but additional info must be provided to the card issuers (eg loan repayment, account number etc) so the card issuers will treat the transaction as quasi cash.
(3) Visa/Mastercard (International) were forcing Bitcoin merchants to amend MCC recently, so they may do the same thing on Prepaid card issuers.

Is this on top of the RM10 charged by BG.

What money RM5?