BIGPAY Prepaid MASTER Card that collaborating with AirAsia.
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 no longer accept new application


Benefits

• Annual Fee waived unconditionally.
• AirAsia flight processing fees waived if using BigPay to pay.
• RM2 Discount on purchase flight meal and luggage. - tan_aniki
• 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 / 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]
• 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
• RM20 for local transaction = 1 BigPoints. Excludes : Government Services, Transportation, Utilities and Fast Food
• RM50 of reload = 1 BigPoints.
• RM2 for overseas transaction = 1 BigPoints. [source]
~ No Extra BigPoints - mamamia, MiKE7LIM
~ Read what BigPay replied to mamamia
** Appreciate more members submit claim on missing points and feedback if happen to spend at oversea.
• Maximum reload amount limit : RM10,000.

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
• 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
• PBB Visa (6%) & Quantum Master (5%) - celaw
• PBB Quantum Master (5%) - weejin2000, joevo2
• PBB Visa Signature (6%) - LostAndFound
• SCB CB Gold - ckweng
• SCB JOP (3.4%) - sundayteenz
• ÆON BiG Visa Gold (2%) - MiKE7LIM
• AmBank True Visa (3%) - alexanderclz
• HL Essential (0.6%, 1% unlimted) - chlee87
• HL Fortune (1%) - chlee87, snowswc
• RHB Signature Visa (1%/3%/6%) - ClarenceT

• HSBC Visa 5X point (=1.67%) - chonghe


CC that might entitle CB : pending (re)confirmation
• OCBC Titatnium (1% unlimited) - hebe87, hebe87, but jack2 no CB


CC that NOT entitle CB :
• UOB Yolo - kaiserreich


NOT APPLICABLE for : - see request
• Terminal that do not accept MasterCard cause BigPay is a MasterCard.
• myeg - drbone & cybpsych
• Unifi - MGM
• Car workshop - MGM due to terminal can't support 'prepaid' type of transaction - Ambank Terminal
• Shabu Garden - Kuchai Lama - sendohz - PBB Terminal
• Mara Ibu Pejabat - slayersssss


Previously/Occasionally N/A > Now Applicable ! :
• Grab - refer to Special Updates bottom of this post
• Boost - sailou, fruitie, see how codeiki had successfully topped up.
• Homecafe Taman Midah - stargate8


Oversea ATM that charged fee on Withdrawal: - see request
• Singapore $3 - $5 - bearbear
• Singapore Changi Airport $5 - DBS



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]

Q5 : What's the maximum amount withdrawn via ATM?
A5 : Maximum withdrawal via ATM is RM10,000 [BigPayJonathan]. Some ATM allowed RM2,500 (AmB,HSBC), RM3,000 (CIMB,CIMB), RM4,000 (HLB,HLB) and RM5,000 (Genting) only. Subjects to individual ATM, same bank different ATM may have different limits.

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].

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.

By Moderator :
By members :
~ Aji_ShiO
~ cybpsych
By keyword search :
~ TaiSong (for withdraw 60k in 2mths)
~ ATM
~ Susp* (for Suspension/Suspended)
~ Ban* (for Banned/Ban)

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.

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.


.
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


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. :

Cheers ~ I would like to thank mod for opportunity to contribute by replacing me as TS and thanks to members who appreciate. Hope we all make great saving from this thread.

.


This post has been edited by fairylord: Jul 22 2018, 01:40 PM

Why use prepaid when u got credit card?

U dont get points for prepaid card, no?

---

Added on December 12, 2007, 2:05 pmWow annual fee RM9.90 and each reload RM2.00

Credit card is definately better

This post has been edited by WaCKy-Angel: Dec 12 2007, 02:05 PM

some people do not like to owe. so they use prepaid credit cards to better control their expenditure. with a maximum load limit of rm 10,000 at any time, it helps you to set a budget for your spending. i think this is a very practical product.

That is illogical...
If u can control your spending then that is not a problem.

If based on that point, there's no difference between using cash and prepaid card, just that prepaid card can use for internet usage.

Yes, basically it is illogical, but in reality, there are plenty of people can't control their spending, just swipe the cc whenever they bought and don't do budgeting, only statement come in the end of the month time, only realise, overspend.

Also another good feature in debit card, you can control the card limit based on the amount in the account. CC always set a certain limit say 10K or 5K, but for debit card if you want to set the limit at 1K then you just have to do is bank in only 1K into the debit card account.

But debit card won't be popular or overtake CC in near future, as it is a bit hassle to bank in amount each time you want to spend.
Still CC is much more convenient than debit card. But it doesn't mean debit card won't have their market too, it is good for those above mentioned people.

Just my 2 cents.

since the service charges not cheap, rm 2 every top up. credit card, you also complain of over spend, why not use debit card instead ?

i would have choose debit card over credit card anytime. Many people especially first timer got their credit card thought that it is a one way ticket to heaven padahal its the other way round. Remember wat warren buffet said?

AVOID CREDIT CARD. And this is coming from the 2nd richest man (not updated ) in the world. think about it man

Lolz...so RM2/reload is cheap compared to free for life credit card (min 2 swipe/month) ?
How much money are u going to reload into the card each time? RM100 or RM500?

Make some calculation would u?

So u mean 2nd richest man on earth claims he cant control his spending?

wacky go read up on his biography will ya? stop making stupid remarks like tat.

i think you are probably better off shopping with cash if you wish to control your spending.

the RM2 per reload really abit too much...as far as i know, public bank visa electron, ambank prepaid mastercard, etc debit card reload are free...

Lolz.....

I see there's nothing wrong with credit cards..except unless he really cant control his spending.
My credit card has done me good and nothing bad.
Well, except i have to use it atleast twice/month or RM200 (which my insurance alone already covers that amount)

Wacky, honestly, i did not understand what you are trying on above statement. rm 2 per top up, to me, is not cheap. minimun 2 swipes a year, is not a problem to me as i ue credit card to pay for gasoline.

Personally, this tunecard is especially design for consumers which is not eligible for a credit card. well, i believe majority users of this service are not rich, which top up more than 1000 everytime is not an easy task. so, they might top up few hundreds ringgit everytime (assumption), without considering the rm 2 service charge.

That is why i said, since we wory too much, expensive service charge and beyond control spending habit, why not opts for Debit card instead, which i believe many banks do that ( public bank, hong leong bank, as far as i know ).

I know simple maths, but not an expert physician.

Thanks

2 ringgit .. steal from friends pocket also can la ... LOL !!

regarding the RM2, if u dont have an account with the issuing bank, you'll be doing interbank bank transfer to pay up, which incidently is RM2 per transaction.

yes . if u use online banking like maybank or something else ,
then reload by FPX . only 0.50 =) !

Noticed the ?
Im asking whether someone think RM2/reload is cheaper than credit card lar..

wacky, nothing wrong with credit card. Juz the attitude towards cc as a ticket to buy anything under the sun as well as the attitude 'hey i cant afford it now, but no worries i got cc' or 'ah, with cc i only need to pay minimum only ma every month' tats wrong. Plus warren buffet doesnt need to use credit card la... he can always buy over the bank that issues credit card. He was emphasizing on the danger of credit card if not handled well.

one thing about the card, when u reload at respective reload agents (Pos Malaysia, CIMB, BSN), it needs at least one business day to succesfully topup your prepaid card... it means u cant use it immidiately unless u have sufficient amount....

i think cash deposit machine of CIMB also cant be used to topup...only over the counter transaction....banyak leceh la...

if only they can improve their topup system, like can topup over cash deposit machine of CIMB & it the transaction accept immidiately, or can use CIMB ATM topup via CIMB saving account, then i'll subscribe to the card....



This post has been edited by he-sham: Dec 15 2007, 10:52 PM

i dun mind . as i deal everything online =) !