BigPay Card

The BigPay Card is a budgeting tool that offers competitive foreign exchange rates, instant in-app card freezing for security, and automatically tracks all your spending.

Annual Fee: Free
ATM Withdrawal Fee: RM6
Overseas Transaction Fee: 1%
Card Replacement Fee: RM20

Features

The BigPay Card is a Visa prepaid card linked to a smartphone app. You put money on it and use it to shop, pay bills, and travel. It helps you save money by giving you great exchange rates when you go overseas and makes keeping track of your budget completely effortless.

Key Features and Functionality

Global Spending and Exchange Rates: The BigPay Card is accepted at millions of merchants worldwide, online and offline, with no need for prior overseas payment activation. It provides users with competitive Visa exchange rates for international spending, making it an excellent alternative to traditional bank cards when travelling.
Dual Cards (Physical and Virtual): Every account comes with both a physical card (for ATMs and terminals) and a unique virtual card for safer online transactions, providing an extra layer of security and convenience for e-commerce.
Total Budget Control: As a prepaid card, BigPay ensures users cannot accidentally overspend or incur interest charges, as you can only access the funds you have loaded onto the account.
In-App Expense Tracking: The BigPay mobile app automatically tracks, categorises, and provides analytics on all transactions in real-time, helping users monitor their spending and stick to a budget.
Security Management: For total peace of mind, users can instantly freeze and unfreeze their BigPay card directly through the app with a single tap if it is lost, stolen, or suspected of fraud.
Rewards Program: All card usage (local and international) earns AirAsia points, which can be redeemed for flights, travel discounts, and various lifestyle rewards.
Diverse Financial Services: Beyond card payments, the app offers features like fast, low-fee international money remittance to select countries, instant transfers to other BigPay users or local bank accounts (via DuitNow), and in-app options for bill payments and mobile top-ups.

Fees & Charges

Issuance Fee

No Fee

Annual Fee

RM0
Free for life

ATM Withdrawal Fee

RM6 per withdrawal on Local MEPS ATM
RM10 per withdrawal on Overseas ATM

Overseas Transaction Fee

1.00% of the total amount transacted

Card Replacement Fee

RM20

Requirements

Minimum Age

18 years old

Who can apply

Anybody

Review

What Is BigPay Card?

The BigPay Card is your digital travel and spending companion, a reloadable Visa prepaid debit card issued by BigPay Malaysia Sdn Bhd.

It is fully regulated as an E-Money Issuer by Bank Negara Malaysia (BNM), meaning it operates under strict financial guidelines to ensure the safety of your funds.

The card links to a powerful mobile app that gives you complete control over your budget, offers highly competitive exchange rates for cheaper spending overseas, and rewards you with airasia points, making it a simple and secure way to handle your money for daily use and international trips.

What are the benefits of the BigPay Card?

This free Visa prepaid card is designed for modern finances, offering competitive foreign exchange rates for worldwide spending. Its key features are:

AirAsia Rewards Points: You earn AirAsia points on every transaction (local and international), which can be redeemed for flights and rewards on the AirAsia MOVE app.
Budgeting Tools: The BigPay app provides excellent in-app budgeting and expense tracking with instant notifications, automatically categorising all your spending.
Security and Control: You can instantly freeze and unfreeze your card directly from the app for security.
International Transfers: You can send fast, low-fee international money transfers to select countries directly from the app.
Split Bills: Easily split shared expenses with friends directly within the app.

What are the fees and charges I have to pay?

The BigPay Card typically has no annual fee. Standard fees include:

ATM Withdrawals: Around RM6.00 per transaction for local withdrawals and around RM10.00 per transaction for overseas withdrawals.
Foreign Transaction Fee: When spending in a foreign currency, a fee of up to 1% plus network charges may apply.
Inactive Account Fee: A monthly service fee of RM2.50 per month may be applied to accounts without any card transactions (though this is often waived).
Cash Top-up Fee: RM1 + 2% of the reload value, with the following caps:
- RM2 per transaction for reload amount up to RM100
- RM5 per transaction for reload amount above RM100

Who can apply for the BigPay Card?

To apply for the card, you must be a Malaysian citizen, a permanent resident, or a foreigner legitimately residing or gainfully employed (pursuant to a working visa in Malaysia) with a valid mailing address, and you must be 18 years of age or above. While no income document is required, you must provide personal identification documents.

How can I apply for the BigPay Card?

To apply for the BigPay Card, you must download the BigPay mobile app (available on major app stores) and complete the digital sign-up and verification process.

A minimum initial deposit (typically RM20) is required to activate your account and order your physical Visa prepaid card. A virtual card is issued instantly upon successful account creation, allowing you to start spending right away.