Question How to Avoid High Payment Processing Fees on AirAsia?

For my latest booking, the payment processing fee was almost 20% of the ticket costs - before payment, it was around 2k THB for 2 people round trip, then the payment processing fee was around 400 THB. I recall it used to only be expensive like that if I chose card payment, whilst internet banking had much lower fees. But now every payment method is expensive. Is there any way to pay less? I think with the AirAsia BIG card, the payment processing fee is waived, but only Malaysian citizens are eligible for the card, right?