For me who own both card, Wise is better, hvn't face any failed transaction at the moment. Bigpay suck!!

I mostly buy stuff from oversea online. AmazonJP, Taobao, etc...
Wise is better at exchange rate.

not sure bigpay, but wise having great rate against local exchange
you can also convert the money and keep in wise when the rate is good
wise also got free (2-3) withdrawals, just conversion charges

Have both. Wise also can top up with credit card. Last time prefer BP but recently start charging 1% for credit card top up, so not gonna use it

bigpay top up using credit card ada 1% charge, cross border charge 1.5%, foreign currency macam 1%

in short bigpay sudah di-Airasia

BP just started charging this month.  Last time rm1k no charge. Now everything charged.

Now all cc reload will be charged
No more foc