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Turn your homeownership journey into card rewards 

Earn air miles, cashback or points when you pay your major home expenses like renovation, mortgage, condo MSCT and more using your credit card on CardUp.

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"Our renovation expenses earned us a trip to New Zealand!" -twocountsof4
Click to watch 👇

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How many air miles can you earn?

Pay

Nick uses his credit card on CardUp to pay his renovation, mortgage loan and stamp duty amounting to S$65,760 yearly

Earn

His card rewards him with 1.4 miles per dollar spent, earning him 93,675.12 miles for these payments

Redeem

Nick is able to take off on a business class flight to Tokyo worth $4,000 at only $1,151 in CardUp fees* - that's 63% in savings!

 

*CardUp charges a small processing fee to enable payments in areas where cards a not accepted so you can earn rewards on the. Apply promo code below for more savings!

You can use DBS, UOB, OCBC, Citibank or any major credit card issued in Singapore to enjoy the lower fees!

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Wondering how many rewards can you earn?

Use our rewards calculator to find out

 

How it works

2. Business payment-step-v2-1
1. Set up payment

Enter your home expense details (e.g. renovation, mortgage, condo MCST and more) and your recipients info. You can still pay them even if they don't use CardUp or accept cards.

 

 

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2. Credit card charged

Your payment is charged securely with a small fee. CardUp will then transfer the payment to your recipient via bank transfer within 3 business days. (Next day transfer available with a small fee.)

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3. Rack up your rewards

Your payment just earned you even more rewards. Now, you can pay other home expenses via CardUp. 

Small fees. Big rewards

While the rewards earned can easily outweigh the small fees, save even more with these home owner offers. You can use DBS, UOB, OCBC, or any major credit cards issued in Singapore on CardUp

One-off Payments
2.0% (u.p. 2.6%)
  • Use code RENO25ONE
  • Renovation
  • Singapore-issued Visa and UnionPay credit cards
  • Ends 26 December 2025
Read full terms here
Homeowner Recurring Payments
from 1.73% (u.p. 2.6%)
  • Use code 3HOME25R
  • 3-tier discounted fee from 1.73% on recurring payments
  • Mortgage, Car Loan, Car Rental/Leasing, Condo MCST, Education, Rent, Renovation, Season Parking, Property Tax, Helper Salary
  • Ends 26 December 2025
Read full terms here

Have an OCBC card? See exclusive and other ongoing promotions here.

Pay IRAS income tax with dbs, uob, ocbc, citibank cards

Start your miles journey here

Enter your email to receive instructions on how to get started on CardUp, with no monthly subscriptions or set-up fees – you simply pay as you go. Explore the platform today to see it for yourself!

By submitting this form, you agree to receive promotional communication from CardUp. You have the option to opt out at any time. For more details, refer to our Privacy Policy

CardUp supports cards from all major banks and issuers

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BOC Logo
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Citibank Logo
DBS Logo
HSBC Logo
Maybank Logo
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UOB Logo
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All payments made with CardUp meet the highest security standards

We are licensed by the Monetary Authority of Singapore (MAS) and keep your data safe with our PCI-DSS compliant and 256-bit encrypted platform. 

PCI-DSS and MAS

You can also pay these expenses on CardUp

Earn miles, points and cashback on all these payment types traditionally not payable by card.

Pay rent and rental deposit

Rent and rental deposit

Pay education fees

Education

Pay insurance

Insurance

Pay condominium fees

Condo and MCST fees

Pay income tax

Income tax

Pay car loan

Car loan

Pay mortgage payment

Mortgage

Pay payroll

Helper salary

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Stamp duty

Pay season parking

Season parking

Pay electricity bill

Electricity bills

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Property tax

Have questions about earning card rewards using CardUp?

What payments can I make with CardUp?

Will I earn rewards on my credit card for payments made through CardUp?

How will the rewards earned outweigh the CardUp fee?

What are the best credit cards to use on CardUp?

Lady happily making online payment on laptop, with credit card

Earn rewards on your income tax payments today

Join the thousands of customers who have paid their IRAS income tax and other payments with CardUp.