Full list of CardUp promo codes for 2026
CardUp has increased its administrative fees to a range of 2.25% to 2.9%, up from a previous range of 1.73% to 2.6%. The platform enables users to earn credit card miles on expenses typically excluded from rewards, such as insurance premiums, taxes, and rent, by charging a user’s credit card and executing a bank transfer to the recipient.
The fee hike narrows the number of viable use cases for the platform, particularly when compared to in-house alternatives like Citi PayAll and SC EasyBill. Users earn miles on the total amount charged to the card, which includes the administrative fee.
Why did CardUp fees increase and how does it affect users?
According to the platform’s updated pricing, fees now start at 2.25% and go up to 2.9%. This is a significant rise from the previous 1.73% to 2.6% bracket. The cost per mile is determined by dividing the admin fee by the number of miles earned.
The increase makes the “buying” of miles more expensive. Whether the service remains worthwhile depends on the user’s specific credit card earn rate and the value they assign to each mile. Users with higher miles-per-dollar (mpd) rates see a lower cost per mile.
Which promo codes are available for 2026 and 2027?
Several promotional codes are available to mitigate the fee increases for specific payment categories. Most of these offers are limited to locally issued Visa cards.
- MLTAX26R: 2.25% fee for recurring personal income tax payments scheduled by Dec. 31, 2026.
- 3HOME2026: 2.28% to 2.33% fee for new recurring home payments, including mortgages, rent, and helper salaries, scheduled by Dec. 31, 2026.
- MILELION: 2.3% fee for first-time users on their first payment up to S$5,000.
- RENT23: 2.3% fee for rental payments scheduled by Jan. 31, 2027.
- REC235: 2.35% fee for recurring payments up to S$20,000 per month, scheduled by Jan. 31, 2027.
- GLOBE235: 2.35% fee for international payments scheduled by Jan. 31, 2027.
For general payments, the code OFF245 offers a 2.45% fee for Visa cards, while OFF259 provides a 2.59% fee for AMEX and Mastercard users. Both must be scheduled by Jan. 31, 2027.
How do different credit cards impact the cost per mile?
The efficiency of using CardUp varies based on the card’s earn rate. For a 2.25% fee, users of the Citi ULTIMA Visa (1.6 mpd) face a cost of 1.38¢ per mile. In contrast, those using the OCBC Premier Visa Infinite (1.2 mpd) pay 1.83¢ per mile.
At a 2.3% fee level, the cost per mile for the DBS Insignia (1.5 mpd) is 1.50¢. For users with the UOB Reserve (1.3 mpd), the cost rises to 1.73¢ per mile. This variance confirms that general spending cards with the highest earn rates are the most cost-effective for this platform.
What are the current limitations and exclusions?
Not all cards earn rewards through CardUp. According to platform data, transactions do not earn miles with BOC, HSBC, or DBS/UOB-issued American Express cards.
DBS cards present a specific limitation: while they award base points for CardUp spend, these transactions do not count toward minimum spend requirements for welcome offers. Additionally, specialized spending cards that offer 4 mpd are not eligible for those higher rates when used via CardUp.
Certain payment types are also excluded from the platform’s support, specifically SP Group for electricity and NTUC Income for insurance. HDB season parking is also listed as an exclusion.
Frequently Asked Questions
Do CardUp payments count toward welcome offer minimum spends?
Generally yes, but there are exceptions. BOC, HSBC, and DBS cards do not count CardUp transactions toward welcome offer minimum spend requirements.
Can I earn 4 mpd with specialized cards on CardUp?
No. Users should use general spending cards to earn rewards through the platform.
Is the administrative fee eligible for miles?
Yes. Miles are earned on the total amount charged to the card, which includes both the payment amount and the admin fee.
Does the increase in administrative fees change how you prioritize your monthly bill payments?