BigPay Singapore Review 2026: Is It Worth Using?

BigPay is a Southeast Asian fintech card and digital payment service backed by Capital A (AirAsia). Available in Singapore since 2019, it offers a prepaid Visa card with competitive foreign exchange rates, no overseas transaction fees for spending, and integration with AirAsia loyalty points. It is one of the most popular travel spending cards for budget-conscious Singaporean travellers going to Malaysia, Thailand, and other ASEAN countries.

BigPay Singapore Features & Fees 2026

Feature BigPay
Card type Prepaid Visa
Overseas spending fee 0% forex markup on spending
Exchange rate Near mid-market (Visa network rate)
ATM withdrawal (overseas) S$2 per withdrawal (first 2 free/month in some plans)
International money transfer Available (to select ASEAN countries)
AirAsia BIG Points Earn on spending, redeem for flights
Annual fee Free
MAS regulation Yes (Major Payment Institution)

BigPay vs YouTrip vs Revolut Singapore 2026

BigPay’s zero forex markup is competitive with YouTrip and Revolut. YouTrip has a larger currency wallet (10 currencies held); Revolut offers a more comprehensive financial platform. BigPay’s edge is its AirAsia integration — if you regularly fly AirAsia, earning BIG Points on everyday spending adds meaningful value. For pure FX savings without loyalty, YouTrip is marginally simpler to use.

Who Should Use BigPay in Singapore?

BigPay is ideal for: frequent AirAsia travellers, ASEAN commuters (SG-KL, SG-Bangkok), and anyone wanting a no-forex-fee spending card without a credit card application. It is not suitable as a primary bank account — it is a spending and travel card only.

See also: YouTrip vs Revolut Singapore | Best Travel Card Singapore 2026 | Wise vs InstaReM Singapore

Frequently Asked Questions

What is BigPay?
A MAS-licensed prepaid Visa card and digital payment app by Capital A (AirAsia group), offering zero forex fees on overseas spending and AirAsia BIG Points earning.
Is BigPay available in Singapore?
Yes — BigPay is available to Singapore residents. Download the app, sign up with your NRIC or passport, and receive a physical or virtual Visa card.
Does BigPay charge forex fees?
No — BigPay charges 0% forex markup on overseas card spending. The exchange rate used is the Visa network rate, which is close to mid-market.
How does BigPay compare to YouTrip?
Both charge no forex fees on spending. YouTrip lets you hold up to 10 currencies in-app; BigPay is top-up and spend only. BigPay earns AirAsia BIG Points; YouTrip does not offer a loyalty programme.
Can I use BigPay to send money internationally?
Yes — BigPay offers international money transfers to select ASEAN countries (Malaysia, Thailand, Indonesia, Philippines). Rates are competitive for small ASEAN remittances.
Is BigPay safe?
Yes — BigPay is licensed by MAS as a Major Payment Institution. Funds loaded on the card are safeguarded as required by MAS regulation.
Does BigPay earn miles or cashback?
BigPay earns AirAsia BIG Points on qualifying spend. BIG Points can be redeemed for AirAsia flights, seat upgrades, and other redemptions — not cashback or traditional bank miles.
What is the BigPay top-up limit?
Standard accounts can hold up to S$5,000 at any time, with a monthly top-up limit of S$20,000. Verified accounts may have higher limits based on KYC.
Should I use BigPay or Wise for overseas spending?
For card spending and ATM withdrawals in ASEAN, BigPay is excellent. For holding multiple currencies and large international transfers, Wise (with its multi-currency account) is more versatile.