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Save up to S$4,000 with CardUp's referral program 

Get your upcoming payment for free* when you refer your network to CardUp

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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. 

CardUp accepts all major credit cards

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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 

Join the thousands of businesses who already trust CardUp

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"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

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"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

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

Dr Chong
Managing Director | Aviation Virtual

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"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

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"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

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"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

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"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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