(Free $5 Cash) BigPay Referral Code : 86XUUDVJMC

Use the BigPay referral code 86XUUDVJMC when you sign up in the BigPay app to get S$5 free credit once you activate your physical card. It works for Singapore users, takes about 5–7 working days end-to-end, and the bonus is real cash sitting in your BigPay wallet — not points, not vouchers.

What is BigPay and Why Use It

BigPay is a digital wallet with a prepaid Visa card, founded by AirAsia and operated in Singapore by BigPay Singapore Pte Ltd. It is licensed by the Monetary Authority of Singapore (MAS) as a Major Payment Institution under the Payment Services Act 2019, covering e-money issuance, domestic transfers, cross-border transfers and account issuance.

In plain English: it’s a regulated, fee-light alternative to using your local debit card overseas. Here’s why deal-hunters in Singapore tend to like it:

Singpass MyInfo onboarding. Sign-up takes minutes if you’re a Singaporean or PR.

No annual fee, no inactivity fee. Sign-up is free; you only pay S$10 if you order the physical blue card.

Visa-accepted worldwide. Spend online or in-store anywhere Visa is accepted, including overseas ATM withdrawals up to S$2,500/day.

Competitive FX rates. Useful for travel spend and cross-border remittance to markets like Malaysia, Indonesia, Thailand, the Philippines, India and Australia.

DuitNow QR + Alipay+ support. Scan SGQR (NETS), Thai PromptPay and Malaysian DuitNow QR codes directly from the app — handy on JB day trips.

BigPay Referral Code – What You Get

Here’s the actual deal, with no fluff:

The S$5 BigPay sign up bonus is paid out in cash credit, not points. Once it lands, you can spend it like any other balance in your wallet — online, in-store, overseas ATM, or QR payments.

How to Use the BigPay Referral Code (Step-by-Step)

Follow this exact order — the referral field cannot be added after registration, so don’t skip step 3.

1. Download the BigPay app from the Apple App Store or Google Play.
2. Tap “Sign Up” and choose Singapore as your country.
3. Verify your identity using Singpass MyInfo (fastest) or the manual upload flow. You’ll need to be 18+ and either a Singapore citizen, PR, or foreigner legally residing here.
4. Enter referral code 86XUUDVJMC in the “Referral Code” field during sign-up. This is the only window — you cannot add it later.
5. Top up at least S$20 via PayNow QR, credit card or debit card. This activates your BigPay account. The S$20 stays in your wallet.
6. Order your physical blue card in the app (S$10 fee). It’s posted from Kuala Lumpur and typically arrives in 5–7 working days in Singapore.
7. Activate the card in the app: tap “I have received my card” → enter the 3-digit CVC on the back → set your PIN. Done.
8. Receive your S$5 bonus. Both you and the referrer get S$5 credited to your BigPay wallets after successful card activation. Credit typically appears within a few days of activation.

Eligibility & Terms You Should Know

Be honest with yourself before signing up — this isn’t a “free money, no strings” promo:

• New users only. The bonus is only paid to first-time BigPay account holders in Singapore. If you already have an account (active or closed), you won’t qualify.
• Age & residency. You must be at least 18 and a Singaporean, PR, or foreigner legally residing in Singapore (Employment Pass holders can verify via Singpass MyInfo, but may need to upload proof of address).
• Referral code must be entered during sign-up. Per BigPay’s own support docs, the code cannot be added or amended after your account is registered.
• Card must be physically activated. Receiving the virtual card is not enough — the S$5 only credits after you activate the physical blue card.
• The S$10 card fee is real. Factor it in: you’re netting S$5 in free credit but paying S$10 to get the card. The bonus alone doesn’t make you whole — the value comes from using BigPay over time for FX and overseas spend.
• Top-up is not a fee. The S$20 minimum top-up sits in your wallet; you can spend it immediately once the account is active.
• Promo can change. BigPay can change the reward amount, pause the referral programme, or update T&Cs at any time. The S$5 amount has been stable through 2025–2026 but isn’t guaranteed forever.

For the official wording, read the BigPay Singapore Cardholder Agreement and verify BigPay’s licence on the MAS Financial Institutions Directory.

Is the BigPay Referral Bonus Worth It?

Honest answer: it depends on how you’d use the card afterwards.

The maths on the BigPay new user promotion alone:

• S$20 top-up (yours to spend) + S$5 referral bonus − S$10 card fee = S$15 effective wallet value for S$20 out-of-pocket.
• Cheaper overseas Visa spend vs most local debit cards.
• Lower-fee remittance to 10+ markets (Malaysia, Indonesia, India, Philippines, Vietnam, Australia, etc.).
• Cross-border QR (NETS SGQR, PromptPay, DuitNow) — useful for JB and Bangkok trips.
• BIG Points: 1 point per S$5 spent, redeemable for AirAsia flights.

FAQ

How long does the S$5 BigPay bonus take to credit?

The S$5 lands in your wallet after you activate your physical card. The full sequence — sign-up → card delivery (5–7 working days) → activation → bonus credit — usually takes about 1 to 2 weeks total.

Can I use the BigPay referral code if I already have an account?

No. Per BigPay’s support documentation, referral codes must be entered during initial registration and cannot be applied retroactively. The bonus is for new users only.

What if I forgot to enter the code during sign-up?

You’re out of luck for this account — BigPay explicitly states the referral code cannot be resubmitted after registration. Your only option is to close the account and start fresh with a new phone number and identity, which most users won’t bother with.

Is BigPay safe to use in Singapore?

BigPay Singapore Pte Ltd is a MAS-licensed Major Payment Institution under the Payment Services Act 2019. The app uses PIN, OTP and biometric login, AI fraud detection, and lets you freeze the card instantly. Your e-money is held in safeguarded accounts as required by MAS.

Do I have to pay anything to get the S$5?

You don’t pay a sign-up fee, but you must top up at least S$20 (which stays in your wallet) and pay S$10 for the physical card. Net: you spend S$10 on the card to claim S$5 — so think of it as a discounted card, not free money.

Can I get the bonus without ordering the physical card?

No. The S$5 BigPay promo code reward is specifically tied to physical card activation. Virtual-card-only users do not qualify.

Can foreigners on Employment Pass use BigPay?

Yes. You need to be 18+ and legally residing in Singapore. EP holders can verify via Singpass MyInfo, though you may also need to upload proof of address.

Can I use BigPay in Malaysia?

Yes. The Visa card works at any Visa-accepting merchant, and DuitNow QR works at participating Malaysian merchants — useful for JB trips. FX is converted at BigPay’s rates, shown before you confirm.

Is there a better BigPay referral code out there?

The bonus amount is set by BigPay, not by individual referrers — every valid Singapore referral code unlocks the same S$5 reward. So 86XUUDVJMC gets you the same bonus as any other working code.

What happens if I don’t activate my card?

No S$5 bonus, and your S$20 top-up stays in the wallet. You can still use the virtual card for some online purchases, but the referral reward will not trigger.