BIG Prepaid MasterCard Virtual

1 card for your online shopping needs


For you who prefer to go cardless and do your shopping online, BIG Prepaid MasterCard Virtual would be the perfect payment card for you . It is also one card you can’t misplace because it lives in cyberspace!

BIG Prepaid MasterCard Virtual carries a card limit of RM1,500 and you’ll receive instant confirmation with the card details emailed to you upon successful application. Should you wish to upgrade your card limit to RM10,000, you will be required to submit your personal identification documents (i.e. MyKad or Passport) and utility bill through your account at the customer online management portal.




Earn AirAsia BIG Points when you swipe your BIG Prepaid MasterCard overseas (RM2 = 1 AirAsia BIG Point).
Use the AirAsia BIG Points earned to redeem for free AirAsia flights and hotel stays!



Joining Fee:

RM10 refundable upon a minimum top-up of RM50

Annual Fee:

Waived unconditionally

Account Service Fee:

RM2.50 per month for inactive account where there is no Card Transaction in a particular month

SMS Notification Fee
("SMS Alert Service"):

First month free*, thereafter RM0.20 per SMS (only if Cardmember opts to take up this service)
*Free SMS in the first month will initially be charged to the card. Charges will be refunded on the 30th day from the date of card activation.

Currency Conversion Fee:

(Applied when a purchase is effected in currencies other than Malaysian Ringgit)
1% + network charges

Cross-Border Transaction Fee:

(Applied when the purchase is through merchant acquired outside of Malaysia but charged in Ringgit Malaysia) 
0.5% + network charges

Replacement Card Fee:

(Only applicable for Card replacement request made by Cardmember. Not applicable if due to defect of chip or Card)

RM20.00 per card

Card Cancellation Fee:


Sales Draft Retrieval Fee:

RM15.00 per sales draft

Reload/Top-Up Charges*:

(Reload charges are levied by our respective partners)
1. Online

  • CIMB Clicks
    (Transaction will be credited immediately)
    Free for AirAsia Savers Account; RM0.50 per reload/top-up for Other Savings and Current Account

  • FPX (Financial Process Exchange)
    (Transaction will be credited within 48 to 72 hours) 
    RM0.70 per reload/top-up

2. CIMB ATM or Cash Deposit Machine
(Transaction will be credited within 48 to 72 hours)
Subject to the fee charged by the respective banks

3. Over-The-Counter at BSN or CIMB
(Transaction will be credited within 48 to 72 hours)
RM2.00 per reload/top-up

NOTE: All fees and charges imposed are subject to 6% GST charge. All fees and charges imposed are as approved by Bank Negara. In any case that any applicable fees (including, but not limited to Account Service Fees for any dormant account) is not charged to the Cardholder's Card Account for that particular transaction or month, TPaay Asia Sdn Bhd (formerly known as Tune Money Sdn Bhd) reserves the right to deduct it from the Cardholder's Card Account once there is sufficient balance.