Terms and Conditions: Referral Program

Existing CardUp users, with at least 1 transaction successfully completed, (“Referrers”) who introduce new users (“Referees”) to CardUp via https://cardup.co, in accordance with the following Terms and Conditions, are eligible to participate in the CardUp Referral Program ("Promotion") till 31 December 2024 (both dates inclusive).

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.

A successful referral (“Successful Referral”) is one where:

• the Referee has signed up and created a Personal account (“Personal User”) or Business account (“Business User”) on CardUp.  

• the email address used by the Referee when creating a CardUp account is a valid email address belonging to a unique individual

• if the Referee is a Business User, the Business User is an authorised person signing up for the Business account on behalf of an active company registered with ACRA. A valid UEN/Business Registration number must be provided when setting up a Business account. CardUp reserves the right to reject a payment set up by a Business User using the Invite Promo Code if the Business account is not held on behalf of an active local company.   

• the Referee’s first payment is completed using the Referrer’s Invite Promo Code. A payment is deemed as completed when the payment on the Referee’s dashboard shows with status as “Complete”.

CardUp reserves the right to impose a limit of one CardUp account per mobile number.

The Invite Promo Code can only be used by new Referees who do not have an existing CardUp account, on the Referee’s first payment made with a credit card that has never been used on CardUp before.

The Invite Promo Code is not applicable for use on any additional fees incurred for Next Day payments.

Use of the Invite Promo Code is limited to the first 20 Referees per Referrer who successfully apply the Invite Promo Code, regardless if the Referee is a Personal User or Business User. Once this number of redemptions is exceeded, any new Referees who try to use the promo code will be informed it is no longer valid.

A Referrer will receive a maximum of 20 Referral Success Promo Codes. 

Both the Invite Promo Code and the Referral Success Promo Codes are valid on payments with no minimum amount required.

Only one Invite Promo Code can be used per payment and an Invite Promo Code can only be used once per Referee. This allows Referees to redeem up to a maximum of S$200 off the CardUp fee on their domestic or international first payment.

 When a Referee sets up the first payment, the prevailing 2.6% fee will apply and if the Invite Promo Code is used, 

• S$30 CardUp credit will be deducted from the CardUp fee displayed if the Referee making the payment is a Personal User, or

• S$200 CardUp credit will be deducted from the CardUp fee displayed if the Referee making the payment is a Business User.

To get S$200 off the CardUp fee on the first payment, the Invite Promo Code can only be used by a Business User on or before 31 December 2024.

• S$200 CardUp credit will be deducted from the total CardUp fee that is displayed at the time of making a payment and the prevailing 2.6% fee for domestic cards and 3.3% for international cards will apply to the rest of the payment should amount exceeded.  Any unused portion of the S$200 CardUp credit will not be refunded or carried over to the next payment.

To get S$30 off the CardUp fee on the first payment, the Invite Promo Code can only be used by a Personal User on or before 31 December 2024.

• S$30 CardUp credit will be deducted from the total CardUp fee that is displayed at the time of making a payment and the prevailing 2.6% fee for domestic cards and 3.3% for international card will apply to the rest of the payment should amount exceeded.  Any unused portion of the S$30 CardUp credit will not be refunded or carried over to the next payment.

Referrers will receive CardUp credit redeemable via a Referral Success Promo Code which will be sent by email to the Referrer upon each Successful Referral.

Use of Referral Success Promo Codes expires 90 days from the date the email with the Promo Code is sent.

When a Referrer sets up a payment, the prevailing 2.6% fee for domestic cards and 3.3% for international cards will apply and if the Referral Success Promo Code is used,

• S$30 CardUp credit will be deducted from the CardUp fee displayed if the Referee making the payment is a Personal User, or

• S$200 CardUp credit will be deducted from the CardUp fee displayed if the Referee making the payment is a Business User.

Referrers may track the status of their Successful Referrals and use of the Referral Success Promo Code in the “View my referrals” section of their Account after logging into CardUp.

Only one Referral Success Promo Code can be used per international or domestic payment even though a Referrer may have qualified for multiple Referral Success Promo Codes by having many Successful Referrals. This allows Referrers to redeem up to a maximum of S$200 off the CardUp fee per payment if the Successful Referral was a Business User.

If the Referral Success Promo Code is from a Successful Referral of a Business User, the S$200 CardUp credit will be applied in the following manner:

• Any unused portion of the S$200 CardUp credit will not be refunded or carried over to the next payment.

• The S$200 CardUp credit will be deducted from the CardUp fee that is displayed at the time of making a payment, and the prevailing 2.6% fee for domestic cards and 3.3% for international cards will apply for payment amount that exceeded.

CardUp has the right to void the CardUp credits awarded in the event of a referrer-referee arrangement where both are using each other's referral code during their first payment.