UPDATE 15 DEC 2020: I have been double-charged for about 30 transactions for a total of over $1,000 since 15 Nov. I’ve reached out to Razer and will write a new post on the outcome. I would strongly discourage everyone from using Razer Card till there is a resolution.
I’ve posted a follow-up article on 6 Jan 2021.
If you have been accumulating miles/points for at least a year, you should have heard of the GrabPay trick that allowed us to receive 10% cashback and 4 MPD on Grab wallet top ups. You could then use your GrabPay card to pay for anything you want, effectively giving you 10% cashback or 4 MPD on ANY spending.
Those days are now over as we faced multiple loophole closures in the past year. I wrote about them here, here, here and here. GrabPay is not dead just yet though, you can still receive up to 3% cashback for Insurance, Education and Hospital payments.
Enter Razer Pay!
Just like the good old days when GrabPay was just launched, we can do great stuff (more on this later) with Razer Pay Visa prepaid card. However, it may take a while for your application to be approved as Razer Card is still in Beta and I’m not sure how many more slots they will be opening up in the coming weeks. It may be a good idea to apply for this card as soon as you can to enjoy all the benefits of this new card.
How to apply
- Download the Razer Pay app. Click here if you’re on Android or here if you’re using an iPhone.
- Sign up for a Razer account. Optional: use referral code 5uites and we’ll both receive a $1 credit to our wallets. Plus, stand a chance to win a Razer Gaming Chair (worth $749.90). More on this later.
- Complete your profile verification.
- Scroll all the way to the bottom of this page and fill in your particulars to join the Beta test for Razer Card.
- Once your application is approved, you see the virtual Razer Card in the “wallet” page in your app.
- Upon approval, you would also receive a gift code to redeem a free Razer Mask (worth $46.90) and $5 reward after making just 1 transaction and even more free gifts as you spend. More on Rewards later.
Do not top up your wallet until you see the virtual Razer Card in the “wallet” tab in your Razer app.
Benefits of Razer Card
Let’s start with the official benefits during Card Beta:
- 1% cashback on all purchases.
- 10% cashback on purchases from RazerStore.
There is no minimum spend and no cashback cap during Card Beta. If you ask me, these benefits are just oookay. Enough reasons to spend 5 mins to apply for the card but nothing outstanding.
Now let’s get to the good stuff! While I have received my virtual card in-app, I do not have the physical card yet. Here’s what I’ve gathered after some testing over the past couple of weeks.
- Receive 1.4 MPD by topping up with UOB PRVI and 1.2 MPD with Citibank Premiermiles.
- Receive 0.4 MPD (1X point) by topping up with Citibank Rewards.
- Razer Card can be used to top up YouTrip, Revolut and ShopeePay.
- Razer Card cannot be used to top up GrabPay wallet.
- Razer Card cannot be added to Google Pay.
- The MCC code for topping up Razer Pay wallet with both Citibank Rewards Visa and Mastercard is 5712 (Equipment, Furniture and Home Furnishings Stores (except Appliances)).
Note: I was receiving 10X points for wallet top-ups with Citibank Rewards Visa up till 16 Nov. Have only received 1X since then. MCC code remains the same.
I will be topping up my Razer Pay wallet top up with my DBS Woman’s World Mastercard to see if it gets me 4 MPD. I’ll update this section on 16 Dec 2020. (UPDATE: Only 1X points for wallet top ups with this card)
While there isn’t enough time to top up my Razer Pay wallet with my UOB One card for 3 consecutive months, I don’t see any problems receiving 5% cashback for it at the moment.
Razer Rewards
It gets even better!
From now till 31 Dec 2020, Razer is running attractive reward tasks and some of them are so easy to achieve that it is almost free money/gift. The four categories are Getting Started, Pay, Spend and Influence.
Getting Started
This category is the easiest to achieve. Activate your virtual Razer Card and complete profile verification to redeem a free Razer Mask (worth $46.90). Free standard shipping (worth $10) too!
Pay
In this category, you will be rewarded by the number of transactions that you make (min. $5). Topping up YouTrip, Revolut or ShopeePay count as transactions; just saying.
Here’s what you will receive after surpassing each tier:
1 transaction: $5 credit to your wallet
10 transactions: Razer Hydrator water bottle (worth $44.90)
50 transactions: Premium Razer Card (worth $200) or $50 credit
150 transactions: Razer Nari Essential Headset (worth $169.90)
300 transactions: Razer Tarturus Pro keypad (worth $206.90)
Spend
In this category, you will be rewarded by the amount that you spend.
Here’s what you will receive after surpassing each tier:
Spend $50: $5 credit
Spend $200: Razer Tetra (worth $49.90)
Spend $2,000: Premium Razer Card (worth $200) or $50 credit
Spend $3,500: Razer Mamba Wireless Mouse (worth $169.90)
Spend $6,500: Razer Tactical Backpack V2 (worth $199.90)
Influence
In this category, you will be rewarded by the number of new users you recruit.
Here’s what you will receive after surpassing each tier:
1 referral: $5 credit
10 referrals: Razer Goliathus Medium mousepad ($49.90)
30 referrals: Premium Razer Card (worth $200) or $50 credit
60 referrals: Razer Ornata V2 Keyboard (worth $169.90)
120 referrals: Razer Raiju TE wireless controller (worth 239.90)
Ultimate RewardYes, there’s one more! Upon completing all the reward tasks above, you will be rewarded with a Razer Iskur Gaming Chair (worth $749.90)!
I will be running a lucky draw and giving this chair away for free IF I reach the requirement of 120 referrals with referral code 5uites. 😉
UPDATE: As of 25 Nov, there has been 127 applications with my referral code and 75 of you guys have verified your Razer accounts. This leaves us with 45 more verified accounts to the Razer chair giveaway. 🙂
Usage limitations
Besides the daily top up limit, these usage limitations for Razer’s wallet are more or less the same as Grab’s.
| Verified Account | |
| Wallet Limit | $5,000 |
| Daily Transaction Limit (Payment) | $5,000 |
| Daily Transaction Limit (Transfer) | $1,000 |
| Monthly Transaction Limit (Payment) | $10,000 |
| Daily Top Up | 10 times |
| Annual Transaction Limit (Payment) | $30,000 |
Foreign exchange rate
I’ve tried using my virtual Razer Card for an online purchase in Malaysian Ringgit and the exchange rate looks really good! The exchange rate offered by Razer is only 0.003% lower than what I saw on xe.com.
Bottom line
With all those generous rewards tasks, this is better than what we had with Grab! I just hope that Razer opens up more beta slots for Razer Card and hopefully, also extends the rewards beyond 31 Dec 2020. 🤞
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hello, i have signed up with your code and you have reached your target referral, how do i participate in your chair giveaway? 🙂
Hi, thank you for using my referral code. I’ve announced the winner a few days ago: https://suitesmile.com/blog/2021/1/5/winner-of-74990-razer-gift-card
Anyone facing issues with the rewards? A lot of issues going on in the app.
I’ve completed Razer Cloth Mask task but when I pressed on "redeem reward", no redemption code was shown. Brought issue up to support for 2 weeks already but still not resolved… Razer Support at first said they didn’t see me complete that task on their end, had to send them SS of my completed task… lols.. still waiting..
I also completed the other tasks (Razer Hydrator and Tetra) but the "redeem reward" button is greyed out, and I can’t press on it.
Then seeing this article saying OP got double-charged, now I’m getting worried.
I have trying to redeem the razer hydrator since end dec always no stock. I have email Razer about it and there reply (The team in charge is aware of this and is working hard to replenish the stock)
Anybody faces issue with redeeming razer hydrator ? It’s always out of stock and when I do get the email notification that it says it is back in stock … it goes out of stock again … is it a system error or the stock just got snatched within minutes ?
Pls check all your transaction I was charged the same amount 4 days later There sent a Visa prepaid dispute form
to get amount reverted.
where to sent the visa prepaid dispute?
I call razer on the issue there send me a email with the form, fill up the info and take screenshot. will update then I get reply or money back
Hi. I had the same issue but when I contacted them? They told me to wait for 7 business days for the money to be reversed. Its already more than 7 days and I demanded them to return my money but they never mentioned about visa prepaid dispute form as a solution to me …. how come so confusing .. don’t people have different replies … so inconsistent.
I’m unable to redeem the reward for premium razer card despite making 50 transactions. (The redeem your reward button is greyed out). Anyone facing the same issue?
Hi Fai,
Does the $5 credit for doing one transaction come in immediately? I have clicked on the ‘redeem’ button but didn’t receive any credits. Thanks in advance.
Not immediately. I received mine a month later.
Any updates to the holding charge? I have a few hundred “stuck” too
No updates. Support has been really slow and returning only with generic replies. I will write a new article immediately when it is resolved.
it seems better avoid them for now, very slow to reply even though it affect many customers already
seems like razer payment processor is having problems. i keep getting declined payments but my money is missing from razer pay wallet
You are right. I am still awaiting a reply from Razer regarding this.
May i ask is the double charge you experience is when you transact use razerpay directly or when top up razer card use another credit card ?
Double charges when I spend using Razer Card.
Same i got down charged + unsuccessful transaction also.
Take note of the transaction. Check back again in 2-3 days time. Double charged transactions will not have a Settlement ID. In other words, your double charged transaction will most likely be reverted within 1-2 weeks.
A lot of the 30 double-charged transactions were over one month ago. Nothing has been reverted.
Anyone able to top up with razer pay on revolut? The authentication page appears, but doesn’t proceed after tapping ‘accept’. Similar to grabpay top up.
where do you find the redemption code for the rewards? my card was activated 3 days ago but it doesn’t appear in my app.
Click on "Card Beta", then "View your progress & rewards".
Hi Fai,
The virtual card is in the "Wallet" tab. I also verified profile and requested physical card. But I couldn’t find "Card Beta" icon or tab. Where can I get into the "Card Beta" page?
It should appear on the main page, where the ‘safe entry’ and ‘donation’ icons are.
Seems like my app doesn’t have that button on the main page?
I had this problem too. Logout, reinstall the razer pay app then try again. It should appear now.
I last heard that WWMC is paying out 1X point (0.4mpd).
Hi Fai
Any update today on DBS WWMC ?
Hi Rio,
Strangely, I haven’t been able to top up my Razer wallet with any Mastercards. Probably ’cause I am overseas.
Has anyone else topped up with WWMC last month?
Today i also cant make any payment (i try with shopee/shopee pay) use Razerpay. I dont receive any authentication in app to process payment.
Same here, payment did not trigger Razer pay’s authentication system.
No x10 with WWMC
Someone on milelion telegram chat said only 0.4 mpd
how about HSBC Revo & UOB PPV ? any report ?
mcc should be outside of revo whitelist (https://cdn.hsbc.com.sg/content/dam/hsbc/sg/documents/credit-cards/revolution/offers/10x-reward-points-terms-and-conditions.pdf)
"This category is the easiest to achieve. Activate your virtual Razer Card and complete profile verification to redeem a free Razer Mask (worth $46.90). Free standard shipping (worth $10) too!"
how do you get the mask? i have the virtual card in my app. profile approved. but i dont see where to redeem it.
Click on "Card Beta" on the main page.
Can I check when did u sign up for the beta?
I signed up on the first week of Card Beta and got it after 2-3 days. There’s another guy in this comment section who got it immediately.
I topped up $100 with CRV to try. But I can’t seem to find the virtual credit card? Now my money is stuck
Hi Ken, you have to wait to be accepted to the Beta program. If you would like to spend that $100 before receiving the virtual card, you may do so via Razer Pay in one of the merchants listed on this page: https://pay.razer.com/sg/merchants/
Thanks. Managed to use it at the hawker centre today. Do you know how long they will take to appove Beta sign ups?
Unfortunately not. Some people are getting approved immediately but other who applied last week are still waiting. :/
Very sad. Still waiting for the Beta Approval….
Razer announced today that Card Beta has been extended till 31 Jan 2021.
Can’t add any new cards to razer pay wallet. Does anyone have the same problem?
Hi, mind sharing which credit card you tried?
Every card… including POSB/DBS, ICBC, etc.
I just tried topping up with Citibank Premiermiles a few seconds ago and it worked.
could you update if there are any changes to the mcc please?
Just checked. Still 5712. Just that it is not registering as an eligible online spend on Citi Rewards anymore.
Could you please try to add another card to see whether it works for adding a new card?
Hi Fai, I had verified my profile successfully but do not see any virtual visa card around. Would you be able to guide me on this?
Hi, did you complete point no. 4 above?
Yes, I did it 3 days ago. How do we see when we had gotten our virtual Visa card?
You will see it in the "wallet" page in the app.
It showed the balance of $1 which I used your referral code and an option to top up card. Not sure if I had missed any steps.
You will see the virtual card in the "wallet" tab in your app once you have been accepted into the Beta program. This can take a while.
Tried topping up using CRV on 17th but only received 1X points. Can I know how fast you received the points and whether anyone else had tried and successfully got 10x?
Surprisingly, I did not receive my bonus points (9x) for a top up on 17 Nov too. This is not good. Will monitor for a couple more days and update this page if necessary.
same topped up on 17 nov and did not get bonus points
Topped up $100 with CRV. Only got 100 points. Do they award bonus points later for CRV? It has it been nerfed?
Looks like it’s been nerfed, wayyyy sooner than expected. I will continue to top up with small amounts with CRV and report back if I receive 10X.
I have signed up with your referral code. Good article and let’s see how long it takes to be approved.
I registered RazerPay back in Jun 2020, opt to join the Beta but received an email stating I was unsuccessful. After I read this article, I went into the app and set up, my virtual card was activated immediately.
Looking at DBS is offering additional 8% cash reward which includes "Home/Office Furnishing & Appliances" category and since Razerpay MCC is 5712, do you think it is worth a shot to top up by Altitude and stack both 1.2mile + 8%? Also, do you know if the 1% cashback include insurance payment? I don’t see it being excluded in the T&C
Worth a shot to me. 1% cashback should include insurance payment. I don’t see it being excluded also.
You can also consider the Citi Premiermiles offer: https://www.citibank.com.sg/global_docs/pdf/Citi-PremierMiles-Card_Oct.pdf
Update: DBS double stack 1.2mile + 8% is valid! Just received an update from DBS on my qualified spending and it included Razerpay top up.
Thanks for the Citi Premiermiles recommendation.. but the bar is quite high to spend $2k in both months to qualify in this climate.
Crossed several milestone and got the mask, hydrator and tetra, shipping is fast, pending to receive 3 x $5 credit & physical card. Waiting to see if the 1% cashback is valid on my insurance payment
Awesome….thanks for sharing!
what is the name of this promo in the paylah app? i cannot find it. i only see a 2.8mpd promo with alt card
DBS Power The Things You Love: https://www.dbs.com.sg/personal/promotion/cards-power-the-things-you-love
Another update, just got my 1% cashback which include the insurance payment made to GE online.
Will razoypay work on ipaymy or cardup?
As a Visa card, it should. If you are asking if it would give you the 1% cashback, it should, at the moment.
So if I top up Razer Pay, it will be consider as eligible transaction for UOB ONE credit card?
Will have to wait 3 months to find out. MCC code and UOB One’s exclusion list telling me YES.
Hi Fai, what’s the MCC code under MasterCard then? WWMC should be able to tell from their online bot chat right? You have confirmed that CRV’s MCC under VISA is 5712.
Hi Andrew, the MCC code for Citi Rewards Master is 5712 also.
Just signed up with you code. How long does it take to get the virtual card approved?
Mine was approved after about 3-4 days but I have friends who applied for it early last week and still awaiting approval.
Hi,
Does citi premier miles visa also earn rewards miles for top-up?
It should because both rewards card received base points.
Just a follow up. Premiermiles got me 1.2 MPD.