BigPay Referral Code: JBTNUSVY64 (Receive $5 and usage review)

A digital account that makes managing money easy

Hey! Use the referral code: JBTNUSVY64 to sign up for BigPay and get rewarded with S$5, after you receive and activate your physical card. Terms and Conditions apply.

Enjoy great exchange rates for overseas spending and international money transfers! There’s more but I’ll let you experience it for yourself.

Table of Contents

What is BigPay?

In Singapore, BigPay is a mobile wallet with a prepaid VISA card feature issued by AirAsia.

BigPay Singapore Pte Ltd, is licensed under the Payment Services Act 2019 (No.2 of 2019) (“PS Act”) as a major payment institution to carry on the business of cross-border money transfer service.

BigPay Account Features

No account fees

It’s entirely free to sign up and get your BigPay card. And BigPay does not charge any annual or inactive fees.

You have to top-up $20 to your BigPay account when you sign up. It’s not a fee and the $20 can be spent once you’ve received your card!

BigPay Physical Card

You can use your BigPay card locally and overseas at merchants that accepts Visa.

You can use your BigPay card in any country and not pay exorbitant ATM or transaction fees.

How my BigPay pre-paid Visa card looks like. The colours in my photo are inaccurate. The actual card colour is baby blue.
How my BigPay pre-paid Visa card looks like. The colours in my photo are inaccurate. The actual card colour is baby blue.

Foreign exchange rate

Tip: When you use your card abroad, BigPay gives you the Visa exchange rate without any fees.

Check the latest Visa rates - enter 0% for bank fee and Singaporean dollar as your card currency.You can also check the exchange rate applied to your purchase by tapping on the transaction on your Home screen.

Cash Withdrawal

You can withdraw money overseas with your BigPay card like any bank card

BigPay Virtual Card

You can also create a virtual card from the “Card” tab of your BigPay app. It does everything like a physical card - except for in-person payments. So, why do you need one?

The key reason is that it can provide an extra layer of security. For example, if you are buying something online from a website for the first time and you are not sure if your card details are safe, then you should use your virtual card.

You can delete the virtual card after the transaction and recreate a new one (limited to once a month).

Cashback Credits

The mechanics of the new cashback system is described in BigPay’s official blog but the wording is unclear.

To our best understanding:

  • Cashback credits can be redeemed when users shop at local or international stores with their BigPay card.
  • Cashback credits are not redeemable for withdrawal transactions and top-ups to other e-wallets.
  • The amount of cashback credits that can be redeemed in a transaction is capped at 50% of the transaction’s value.

Earn BIG Points

BIG Points are what you earn when you spend with BigPay. For every S$5 spent with your BigPay card, you get 1 BIG Point!

You will get your points in 5 to 7 working days after the merchant has settled the payment. That’s when the transaction status changes from ‘Pending’ to ‘Settled’.

You can redeem your points for discounted AirAsia flights and other rewards on

Remittance service

Tip: If you’ve never done an international transfer before, your first one is fee-FREE!

Transfer money from your BigPay account directly to bank accounts in China, Australia, Vietnam, Indonesia, Singapore, Malaysia, Thailand, the Philippines, India, Bangladesh, and Nepal at a fraction of the cost of big banks.

You only need your recipient’s bank details. With BigPay, everything is 100% digital. No need to physically go anywhere.

You’ll know exactly when your money leaves your BigPay account, what fees you’ll pay and when the recipient will get the money.

BigPay daily exchange rates for international bank transfer

You can check the daily rates on Telegram:

Cash Pickup service for Indonesia and Philippines

BigPay Cash Pickup

In June 2022, BigPay introduced a Cash Pickup service for Indonesia and Philippines. This allows recipients to collect the money sent in cash from locations of the sender’s choice.

For sending money to the Philippines, your cash will be ready for collection after 15 minutes of completing the transfer. For Indonesia transfers, your cash will be ready for collection after 5 minutes of completing the transfer.


BigPay is regulated by Bank Negara Malaysia and the Monetary Authority of Singapore

Security features include:

  • 3D Secure for all online payments with BigPay
  • Accounts can be protected by a PIN, OTP, and you’ll also be able to activate Touch ID.
  • Machine learning is employed to detect suspicious activities and pro-actively freeze accounts.
  • If you lose your BigPay card, you can easily freeze it from the BigPay mobile app.

My sign up experience

I completed my registration on 25/3/2021 and received my BigPay card on 30/3/2021. The card was couriered to Singapore from Kuala Lumpur, Malaysia.

You can now sign up with SingPass MyInfo which makes the process very convenient.

BigPay supports signing up via Singpass MyInfo
BigPay supports signing up via Singpass MyInfo

When I received my card, activating it was as easy as entering the CVV number into the BigPay app. As I signed up using a referral code, my account balance was S$25, inclusive of the S$20 top-up I made during account creation.

Web Administrator

Disclaimer: while we do our best to maintain up to date information on the available referral promotions, their terms and conditions do change frequently. We do not guarantee that the information published on this website is accurate.