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Join your friend on CardUp and redeem your gift 

On CardUp, you can now make and collect payments digitally with your credit card even in places where cards are traditionally not accepted.
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How it works

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1. Set up a payment

Sign up for a free account and enter the payment and recipient details. You can pay anyone, even if they don't use CardUp.

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2. Recipient gets paid

The payment is charged directly to your card with a small CardUp fee. Your recipient receives the funds via bank transfer in as quickly as one business day.

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3. Rack up your rewards

Sit back, relax and earn the rewards on your favourite credit cards from these payments. Here's to more miles, points and cashback!

Participate in our referral program to...

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Save S$200 for each business user referred 

Refer a new business user to CardUp and they will enjoy S$200 off the CardUp fee on their first payment*. You will also enjoy S$200 off your next payment* for each successful referral.

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Save S$30 for each personal user referred 

Refer a new personal user to CardUp and they will enjoy S$30 off the CardUp fee on their first payment*. You will also enjoy S$30 off your next payment* for each successful referral.

*Limited to the first 20 Referees for per Referrer, regardless if the Referee is a Personal or Business User. 

Limited time offer ends 30 June 2025


How our referral program works 

01 Share your code 

Share your unique invite code** with your friend and contacts - they will enjoy S$200 off the CardUp fee on the first payment* if they are a new business user, and S$30 off if they are a new personal user. 


02 They make a payment 

After your friend’s first payment is completed using your code, you will receive an email with a referral success promo code for S$30 off the CardUp fee on your next payment* if you referred a personal user, and S$200 off if you referred a business user. 

03 Use your promo code  

Use your referral success code on your next payment* for up to S$200 off the CardUp fee. Your invite promo code can be used by up to 20 friends in total - which means you could save up to S$4,000!


**Sign up for a CardUp account and go to the Referral Program page to share your Invite Promo Code. 
*Referral Program terms & conditions apply 

Earn more rewards and free up more cash on hand 

Earn rewards and leverage on your pre-approved credit line to extend your payables by up to 2-months! 

Pay your renovation payments

Renovation

Pay education fees

Education

Pay insurance

Insurance

Pay your payroll

Payroll

Pay your supplier invoice

Supplier Invoice

Pay your rent payments on CardUp

Insurance

Join the thousands of businesses who already trust CardUp

Portrait image of Michael Finn, The Fifth Collection

"With CardUp, we've been able to capture the miles on our business payments to reduce overall travel expenses for our business."

Michael Finn
Director | The Fifth Collection

Paula's Choice Skincare Logo

"CardUp's unique platform helps optimise cash flow, especially in a small team to keep operations going smoothly."

Jeremy Tan
Team Lead | Paula's Choice

Portrait of Dr Chong, Aviation Virtual

"With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.'

Dr Chong
Managing Director | Aviation Virtual

Portrait of Nina Alag Sure, X0PA AI

"I'm now able to optimise working capital for my business at a flexible and affordable rate. It also helps us process our payments timely."

Nina Alag Sure
CEO | X0PA AI

Chew Kee Pte Ltd Logo

"With CardUp, my team is now able to collaborate and get a consolidated view of our business spend each month."

Chew Kee Pte Ltd
Finance Lead

Portrait of Jerrold Quek, Far Ocean Group

"A clear value-add is the ability to access interest-free credit to help drive working capital needs for large recurring business. This has been pivotal in helping drive healthy working capital ratios."

Jerrold Quek
Chief Operating Officer | Far Ocean Group

Crowd Pte Ltd Logo

"CardUp is a good platform for me to utilise my credit limit to ease my cashflow, earn reward points and get additional timeline for my supplier payments."

Lenny Lim
Director | Crowd Pte Ltd

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