Cardup adds limited time member get member promotion

Share your code- get $20 off.

EDIT: The Cardup member get member promotion has been extended indefinitely

I’ve written previously about the startup Cardup, which charges a 2.6% fee in exchange for letting you use your credit card to make payments that normally couldn’t be made using a credit card. This means you can earn rewards points and miles on payments like rental, school fees, condo fees, insurance etc. Think of it conceptually as an opportunity to buy miles at a discounted rate.

Give $20, get $20

Cardup has launched a member get member promotion that lasts from now till 31 May 2017.

Under this promotion, any member that signs up via your referral code gets $20 off the Cardup fee for their first payment. You get $20 off your next payment for each successful referral. The maximum amount of free credit you can earn is $200 per account, or 10 referrals. Given the 2.6% fee, a $20 Cardup credit will cover the fees incurred on a ~$770 maximum value transaction.

My promo code is AARONW54, but feel free to post your own referral codes in the comments section below.

I realise the last time I wrote about this there was some confusion as to which cards earn 10X rewards points through Cardup. I have previously confirmed receiving 10X rewards points on Cardup using my DBS Woman’s World card for a transaction made in November 2016. I have not personally tested any of the following cards which offer 10X for online spending

  • HSBC Advance
  • UOB Pref Platinum Visa
  • Citibank Rewards
  • OCBC Titanium Rewards

The long and short of the matter is that there isn’t a whole lot of transparency on the back end of the banks as to how they classify transactions. There’s always a risk that you’ll not get what you were expecting. However- this member gets member promotion presents an opportunity for us to test different cards. Whether or not your 10X successfully posts, you don’t end up out of pocket, so that should lower the barrier to trying.

As a reminder, if you use a card like the UOB PRVI, you’ll get 1.4 mpd, or 1.86 cpm. You could potentially get 0.65 cpm with a 10X card, but that depends on whether you’re willing to gamble with either getting 10X or 1X (0.4 mpd).

Sharing is caring- please post the results of your field testing below. There might not be a point testing the HSBC Advance (assuming they don’t renew the 10X promotion), but I’d be interested to see what happens for other cards. Will give my Citibank Rewards card a test, if someone sends some free credit my way!

Related Posts

Leave a Reply

244 Comments on "Cardup adds limited time member get member promotion"

Notify of

Thanks Aaron for the great sharing!

To others out there, I’ve just created mine recently, feel free to use my referral code:

Cheers! 🙂

Feel free to use my referral code




Hi all,

Cardup promo code for $20 off!

Here’s my promo code: PEICHUENG96

my Promo code for $20 off is ANKITA12

Hi, All

Just sharing my promo code.



here’s mine!


RIOI82 still works!

paying it forward for those who have shared.

Just sharing my promo code CHEOWKHOONP30. Thanks for using it!

It doesn’t look like we’ll run out of promo codes anytime soon but, hey, here’s another one to throw into the mix 😉


For those who are sending their toddlers to childcare centres, particularly those which are privately run, CardUp is the ideal platform to pay the school fees and at the same time earn miles on their CC!

Referral code: CHUNKIATL59


Hi all,

Cardup promo code for $20 off!

Here’s my promo code: YANGJIED72

Thanks YiBin Tan for using my promo code.

Here is my promo code for $20 off the cardup fee:




Here is my code for $20 off for first CardUp payment: MAIL69

Used Cardup to pay for insurance and income tax, earning some miles along the way 😉

Use my promo code DESMONDZHENYUK96 for $20 off first payment! (I get $20 off too, thanks!)

Sharing new promo code here:


Sharing new promo code SAJITHK27

Promo Code for first payment: SMITHC23

for those that are new to cardup!

RIOI82 still can be used for cardup new user

For those who still need it

Sharing promo code for new cardup user!


Hi all,

Use my Cardup promo code for $20 off!

Here’s my promo code: CALVINLEONARDF90


Here’s mine for what it’s worth – KANISHKK27
Enjoy $20 off!

JIANWENT63 – Sharing promo code to enjoy $20 off.

Thanks Ee Hong Ho for using my promo code.

Here is my promo code for $20 off for new CardUp user:


Valid until 8 December 2017.

SOONCHEONGL55 – Sharing my promo code

Sharing my promo code: KARTHIKEYANK82

My code. Please use! Thanks!


Hey Aaron,

Huge promo from Citibank…. if you hold a Premier Miles card: transfer up to 5K sgd with no fee !!!!!
It needs to be anew account but that litterally 6,000 miles with no efforts ???

Limited to the 1st 400 redemptions.



Sharing my promo code: CHUNYIPC76 thanks!

Sharing mine

Here is my promo code for $20 off for new CardUp user:


Valid until Christmas of 2017! 🙂

To new Cardup users, do use my referral code below, appreciate it!


Sharing my referral code:

Do use my promo code for $20 off!


Sharing my referral code for new users to get $20 off for their 1st payment
Referral code KAIYINNS98

Sharing my promo code: MARKF29

adding my promo code as well!

To new Cardup users, do use my referral code below, appreciate it!


Just created my account, please feel free to use my promo code,

Hi all, feel free to use my promo code: KOHL52 for $20 off

Thanks for sharing your codes, was able to pay my income tax using my SingPost Standard Chartered card, though this month is its swan song due to the nerfed cashback rate.

My referral code is: SOONBINGG81

Hi all,

Cardup promo code for $20 off!

Use promo code: DEVENS80

To new Cardup users, do use my referral code below, appreciate it!


Do use my promo code PETERL40 for $20 off!