Terms and Conditions: Referral Program
Eligibility to participate
User Eligibility
1. Existing CardUp users with at least one completed transaction ("Referrers") may participate in the CardUp Referral Program ("Promotion") till June 30, 2025 ("Promo End Date"). Referrers can introduce new users ("Referees") via https://cardup.co.
CardUp Credits
2. The offer of S$200 or S$30 off the CardUp fee may be referred to as "CardUp credits” in these terms and other communication.
Definition of Successful Referral
3. A Successful Referral occurs when:
(a) The Referee creates a Personal or Business account on CardUp.
(b) The email used by the Referee is valid and unique.
(c) For Business Users, an authorized individual must sign up for an active company registered with ACRA, providing a valid UEN/Business Registration number.
(d) The Referee completes their first payment using the Referrer’s Invite Promo Code, which is confirmed as "Complete" on the dashboard.
Account Limitations
4. Only one CardUp account is permitted per mobile number.
5. The Invite Promo Code is exclusively for new Referees without existing accounts, applicable only on the first payment with credit card that has not been used on CardUp before.
6. The Invite Promo Code excludes additional fees for Next Day payments.
Redemption Limits
7. Each Referrer can refer a maximum of 20 Referees using the Invite Promo Code. Once this limit is reached, further attempts will be invalidated.
8. Referrers can receive up to 20 Referral Success Promo Codes.
9. Both promo codes apply to payments with no minimum amount required.
Terms of use for Referees
- The Invite Promo Code can only be used once on the first domestic or international payment of up to S$30 for Personal User and S$200 for Business User. (“Referee Discount”)
- To enjoy the Referees Discount, the Invite Promo Code must be applied during the“schedule payment” process on or before the Promo End Date.
- The Referees discount is applied to the CardUp fee displayed at the time of payment setup, subject to the prevailing CardUp fees (2.6% for domestic cards, 3.3% for international cards) on the remaining amount, if applicable.
- Any unused portion of the CardUp Credit (S$200 or S$30) will not be refunded or carried over to the next payments.
Terms of use for Referrers
- Referrers will receive CardUp Credits via Referral Success Promo Codes sent by email upon each Successful Referral (“Referrer Discount”)
- S$30 for each successful Personal User referred
- S$200 for each successful Business User referred
- The Referral Success Promo Codes expire 90 days from the email date.
- The Referrer discount is applied to the CardUp fee displayed at the time of payment setup, subject to the prevailing CardUp fees (2.6% for domestic cards, 3.3% for international cards) on the remaining amount, if applicable.
- Any unused portion of the S$200 credit will not be refunded or carried over. The credit is deducted from the displayed CardUp fee, with applicable fees on any excess amount.
- Only one Referral Success Promo Code can be used per payment, regardless of the number of Successful Referrals. This allows a maximum redemption of S$200 per payment if the Successful Referral was a Business User.
- Referrers can track Successful Referrals and Referral Success Promo Codes usage in the “View my referrals” section of their CardUp account.
- Referrers under the Corporate Referral Program (CRP) cannot receive incentives for referring the same Referee via both CRP and Invite Promo Code.
- CardUp reserves the right to void credits awarded if both Referrer and Referee use each other's referral codes during their first payment.
General Terms:
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CardUp shall be entitled to withdraw or substitute the CardUp credit with items or rewards of similar value at its sole discretion without prior notice and without giving any reason for the same.
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CardUp reserves the right to terminate the Promotion, or to vary, delete or add to any of these Terms and Conditions from time to time at its absolute discretion (including without limitation the terms relating to the eligibility of any Participant and the dates of the Promotion).
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CardUp’s decision on all matters relating to this Promotion will be final, conclusive and binding on all Participants, and no correspondence shall be entertained. In the event of any inconsistency between these Terms and Conditions and any brochure, marketing or promotional material relating to the Promotion, these Terms and Conditions will prevail.
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CardUp, its employees and campaign organisers shall not be liable for any loss, damage, or any injury that may be sustained by the Participant or by any person in connection with the Promotion. Without limiting the foregoing, CardUp is not responsible for the loss of any Promotional Gift for which the Referrer is eligible.
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The Participant acknowledges and agrees that the collection, use, storage and disclosure of his/her personal data shall be governed by the terms of CardUp’s Privacy Policy. The Participant shall be responsible for obtaining, and warrants that it has obtained, the consent of the Referee(s) for the provision of the Referee(s) personal data to CardUp, and to the collection, use and storage of such personal data in accordance with CardUp’s Privacy Policy. CardUp may inform the Referee(s) that the Referee’s/Referees’ personal data is collected from the Participant.
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The Participant acknowledges and agrees that, in addition to the above-mentioned terms, they must abide by the requirements of CardUp’s general Terms of Service.
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"CardUp" refers to CardUp Pte Limited, a company registered in Singapore.
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These Terms and Conditions shall be governed by Singapore law and each Participant irrevocably submits to the non-exclusive jurisdiction of the courts of Singapore in respect thereof. A person who is not a party to any agreement governed by these Terms and Conditions shall have no right under the Contracts (Rights of Third Parties) Act (Cap.53B) to enforce any of these Terms and Conditions.