CardUp started in 2016 with the vision of enabling you, our users, to shift your large, recurring payments onto your favourite credit cards. Over the years, we’ve focused on improving our platform and your experience, and have since developed many new product features and supported new payment types. These improvements include next-day payment options, developing features specially for Business users, as well as supporting payments types such as stamp duty, helper salary, electricity and more! 

While the feedback we’ve constantly received from you has been excellent, we also realise that one ongoing concern has always been about pricing. 



New year, new fees

For CardUp to enable credit card payments in categories where cards are not accepted, a processing fee is charged on each transaction. This fee covers the costs we incur, consisting of the processing fees for the different parties responsible in enabling your card payments – the payment processing bank, the credit card issuer, the payment processing gateway, and so on. This fee has been kept low so you can earn the most rewards possible.

Come 2020, we’d love for you to get even more rewards (and fly business class for less) on these payments – we’re excited to share that we’re offering discounted fees on all personal user payments! 

Instead of the usual 2.6% per transaction, we’ll be reducing it to just 2.25% per transaction for the next 6 months, until 30 June 2020.


This discounted fee will be valid on all Singapore-issued Visa and Mastercard credit cards, and will be valid on all personal user payments, including rent, insurance, education fees, helper salary and more! 


Terms and conditions can be found here.


How much additional savings am I getting?

For you to enjoy this discounted fee, all you have to do is to input the promo code GET225 upon setting up your payments. 

If you have an existing payment scheduled (both one-off and recurring) - you do not need to cancel your payments to enjoy this promotion! Simply edit your payments to add the promo code to them - it’s as easy as a few clicks! 

You now get even more savings and earn more rewards out of your spend. Here’s an example of how much more you could be earning:


✈️ If you are using an air miles card

If you are using a card that earns you 1.5 miles per dollar:

Payments Spend

Usual CardUp fee

(2.6% per transaction)

GET225 Discounted fee

(2.25% per transaction)


(1.5 miles per dollar)

Insurance payments $800 per month

$133.90 per month


=$1,606.80 per year

$115.88 per month


= $1,390.50 per year

>94,000 air miles


Worth $3,944 when redeemed for a return business class flight to Japan!

Rental $2,900 per month
Education fees $600 per month
Helper salary $650 per month
Electricity bills $200 per month
Total $61,800 per year


Before, you would have paid approximately $1,600 to get a flight worth almost $4,000. With this promotion, you now save a further $300 - making it a total of 65% in savings!


> Looking for the best air miles card to use on CardUp? See what we recommend here!

💰 If you are using a cashback card

If you are using a cashback card that earns you 5% cashback on your spend:

Monthly payments

Usual CardUp fee

(2.6% per transaction)

GET225 Discounted fee

(2.25% per transaction)

5% cashback earned Net savings

$100 education fees

$500 insurance

$600 helper salary

$100 electricity

$700 car loan


= $2,000 per month

$52 per month


= $624 per year

$45 per month


= $540 per year

$1,200 per year

At 2.6% fee:

$1,200 - $624

= $576 per year


At 2.25% fee:

$1,200 - $540

= $660 per year!


By just taking a few minutes to set up your payment (or even less to edit your existing ones), you can now earn 15% more cashback than you normally would have! 

> What are some other cashback cards you could be using on CardUp? See the list here!


What does this mean for you?

To all our current users, we thank you for your continued support. We hope this discounted fee is welcome news to you, and that you’ll continue recommending our platform to your friends and family members, helping everyone make their big payments rewarding.

For anyone else who have considered using CardUp in the past, enjoying the freedom of card payments has never been easier that it is now.

Sign up for your free account now and enjoy the freedom of card payments, wherever you choose! 


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