Turn life's expenses
into life experiences

Our platform lets you shift payments currently made by cash, cheque or bank transfers onto your credit cards, even where cards are not accepted. These include payments such as rent, income tax school fees, insurance premiums and more. You can view the full list of accepted payments here.

All spend made using a Singapore-issued card on your CardUp-registered account are eligible for the base earn rate* of miles (up to 1.6 miles per dollar), points or cashback (up to 3% cashback) on most credit cards, including for payments such as insurance premiums and taxes. 

See the popular credit cards and cards that are not eligible here.

Important Note

As per our Terms of Service Clause 14, CardUp does not issue Payment Cards or operate a rewards programme. You are responsible for understanding the rewards programme associated with your Payment Card. We include updates on changes to card issuer reward programmes in our promotional material. We rely on the information provided to us by card issuers and make reasonable efforts to keep all such promotional marketing accurate and up to date. However, we accept no liability or responsibility for the information provided by a payment card issuer, including if it is complete, correct, and up to date, and that we have understood it correctly and completely. Always refer back to your bank/issuer card rewards eligibility and terms & conditions for the latest updates on the earn rates.

Rest assured for many credit cards in Singapore, the value of the rewards gained will outweigh our fees.

Our rewards calculator will help you calculate the miles or cashback earned based on the credit card used and amount spent. Here's an example of how you can redeem a business class return ticket to Japan worth $4,000 at only $1,480!