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BigPay Credit Card Top Up: 5 Convenient Methods and Fees

Learn about the different ways to top up your BigPay account, including credit card top-ups and associated fees. Discover how to apply for a BigPay credit card and understand the concept of top-up payments.

Are you looking to top up your BigPay account and wondering about the various methods available? You've come to the right place. 

In this article, we'll explore the five convenient ways to add funds to your BigPay account, with a focus on credit card top-ups. 

We'll also delve into the concept of top-up payments, discuss the associated fees, and guide you on how to apply for a BigPay credit card. 

So, let's dive in and uncover the details you need to make informed financial decisions.

Methods of BigPay Credit Card Top Up

BigPay understands the importance of providing you with multiple options for topping up your account. Here are the five methods available:

BigPay Credit Card Top Up

  1. DuitNow: This method allows for instant top-ups and is entirely fee-free.

  2. Bank Transfer (FPX): Similar to DuitNow, bank transfers through FPX are instantaneous and do not involve any fees.

  3. Credit Card: You can top up your BigPay account using your credit card. However, it's essential to note that there are fees associated with this method, which we'll discuss shortly.

  4. Cash Top-Up: If you prefer cash transactions, you can visit selected locations to add funds to your BigPay account.

  5. Retail Partners: Certain retail partners also offer top-up services, making it convenient for you to add money to your BigPay account while shopping.

Understanding Credit Card Top-Up Fees

Now, let's dive deeper into credit card top-ups. Starting from 30th August 2023, BigPay has made a slight adjustment regarding the fees for credit card top-ups. These fees vary depending on your credit card type:

1% or 3% Fee: Credit card top-ups will incur a fee of either 1% or 3%, depending on the type of credit card you use. This fee is a small percentage of the total amount you're adding to your BigPay account. 

To illustrate this change better, let's break it down with an example:

Suppose you decide to top up your BigPay account with $100 using your credit card. If your credit card falls under the 1% fee category, you'll be charged $1. 

However, if it falls under the 3% fee category, the charge will be $3. It's essential to check your credit card type to understand the applicable fee rate.

How to Apply for a BigPay Credit Card

If you don't have a BigPay credit card yet and are interested in obtaining one, the process is relatively straightforward:

  1. Download the BigPay App: Start by downloading the BigPay app from your app store.

  2. Register: Sign up for a BigPay account by providing the required information.

  3. Verification: Follow the in-app instructions to verify your identity.

  4. Apply for a Credit Card: Once your account is set up, you can apply for a BigPay credit card directly through the app.

  5. Approval: BigPay will review your application, and upon approval, you'll receive your BigPay credit card.

Understanding Top-Up Payments

You might be wondering what exactly a top-up payment means. In the context of BigPay, a top-up payment refers to the process of adding funds or reloading your BigPay account. 

This allows you to have sufficient funds in your BigPay wallet for various financial transactions, including online and offline payments.


In conclusion, BigPay offers a range of convenient methods for topping up your account, including instant options like DuitNow and bank transfers (FPX) and the flexibility of credit card top-ups.

 While credit card top-ups do involve fees, it's important to understand your card's fee rate. Additionally, applying for a BigPay credit card is a straightforward process that can enhance your financial flexibility. 

So, go ahead and explore the various top-up methods BigPay offers to make your financial management a breeze!


Q1: Are there any fees for DuitNow and bank transfer (FPX) top-ups? 

A: No, both DuitNow and bank transfer (FPX) top-ups are fee-free and provide instant funds.

Q2: How can I check the fee rate for my credit card? 

A: You can find information about the fee rate for your credit card in your credit card's terms and conditions or by contacting your card issuer.

Q3: Can I use my BigPay credit card for online and offline transactions? 

A: Yes, your BigPay credit card can be used for a wide range of online and offline payments, making it a versatile financial tool.

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