Transparent pricing for all your personal payments
No hidden fees. No rude shocks when you receive your card bill!
Pricing by payment type
We charge a small fee to securely process your payments: 2.6% for Singapore-issued cards and 3.3% for Internationally-issued cards. However, check below to see our latest promotions to save on fees!
1. Select payment category
Choose the payment type you wish to make from the list below
2. Compare card rates
Compare the fee for different cards and check if there are any promotions
3. Set up your payment
Sign in to your account, schedule your payment and enjoy the rewards!
More savings with these promotions
Limited time offer
Income Tax
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Use code VTAX24
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Singapore-issued Visa & China UnionPay cards
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All users
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Maximum 2 redemptions
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Income Tax Payment only
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End 31 December 2024
All Users Offer
International Payments
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No processing fee
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Bank Transfer only
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All users
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All payments in foreign currency
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Rent Payments
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Use code SAVERENT179
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Singapore-issued Visa, Mastercard, China UnionPay cards
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All users
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Domestic payments only
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End 31 January 2025
Recurring Payments
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Use code RECURRING185
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Singapore-issued Visa cards only
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All users
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Domestic payments only
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End 31 January 2025
International Payments
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Use code GLOBE185
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Singapore-issued Visa cards only
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All users
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All payments in foreign currency
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End 31 January 2025
One-off Payments
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Use code GET225
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Singapore-issued Visa, Mastercard, China UnionPay cards
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All users
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Domestic and International payments
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End 31 January 2025
Exclusive Bank/Issuer Offers
Eligible payment types
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Use code 24AMEX18
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Eligible American Express® Cards only
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New users
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Domestic payments only
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End 31 December 2024
FULLY REDEEMED
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Use code
24AMEX19 -
Eligible American Express® Cards only
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All users
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Domestic payments only
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End 31 December 2024
See supported payment types for American Express® Cards here
All payment types
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Use code OCBC15
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OCBC VOYAGE & Premier Visa Infinite Cards only
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New users
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Domestic and International payments
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End 31 December 2024
All payment types
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Use code OCBC18
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OCBC VOYAGE & Premier Visa Infinite Cards only
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All users
-
Domestic and International payments
-
End 31 December 2024
All payment types
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Use code OCBC90N15
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OCBC 90°N Cards only
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New users
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Domestic and International payments
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End 31 December 2024
All payment types
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Use code OCBC90NV
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OCBC 90°N Visa Cards only
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All users
-
Domestic and International payments
-
End 31 December 2024
All payment types
-
Use code OCBC90NMC
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OCBC 90°N MasterCard Cards only
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All users
-
Domestic and International payments
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End 31 December 2024
All payment types
-
Use code MB173
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Maybank Platinum Visa Card only
-
All users
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Domestic payments only
-
End 31 March 2025
Exclusive offer for Mastercard cardholders
Use your Singapore-issued Mastercard card on CardUp to enjoy more savings while optimising your cash flow - learn more here
Recurring Rent
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Up to S$13,500
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Promo fee thereafter: 0.8% (no spend limit)
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Card rewards not guaranteed
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Use code MCRENT5R
One-off Rent
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Up to S$13,500
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Promo fee thereafter: 0.8% (no spend limit)
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Card rewards not guaranteed
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Use code MCRENT6
Recurring Education
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Up to S$4,500
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Promo fee thereafter: 1.5% (no spend limit)
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Card rewards not guaranteed
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Use code MCEDU11R
One-off Education
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Up to S$4,500
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Promo fee thereafter: 1.5% (no spend limit)
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Card rewards not guaranteed
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Use code MCEDU12
All Recurring payments
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Up to S$10,500
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Promo fee thereafter: 2.25% (no spend limit)
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Card rewards guaranteed
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Use code MCREC18
The above offers are valid till 9 January 2025 and only apply when payments are made with a Singapore-issued Mastercard card.
Frequently Asked Questions
Why does CardUp charge a fee?
The CardUp fee covers the processing costs to the card-issuing banks and network providers for each transaction made. The fee also ensures our platform remains secure for your everyday use.
A standard 2.6% CardUp fee applies for, payments using domestic credit cards. However, applicable promo codes can be applied for lowered fees.
What is the fee for using international cards?
For Visa/Mastercard/American Express/UnionPay credit cards issued outside Singapore:
- A 3.3% fee applies on each transaction
- Promotional codes are not eligible for use on payments made with credit cards issued outside of Singapore.
- For payments of $1,000 or less, a minimum CardUp fee of $33 applies
Can the rewards earned on my card outweigh the CardUp fee?
Yes! By earning miles, points on cashback on these payments you're currently already making via cash, cheque or bank transfer, you'll now be able to maximise your rewards earned. This lets you save up over 50% on the price of a business class flight ticket with the miles earned, or get rebates directly via cashback! Learn more here.
Will I earn rewards on my credit card for payments made through CardUp?
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.