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

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!

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

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I have tested Stan chart singpost, HSBC advance and dbs woman’s in the past 3 months and NONE of them qualified as online transactions
Fyi for everyone

My promo code is still valid if anyone needs it!


Yup it’s not online. Tested too

what would be a good type of payment to test on in cardup? could it pay credit cards?

Diana from the CardUp team

Hi Peter,

How about paying for your insurance premiums? Paying credit card bills isn’t a payment type we offer, but feel free to drop us a note at [email protected] if you have other payment types you’re thinking of paying and we can look into it.

Diana | The CardUp Team

Aaron I tried using your code and it prompts a “Sorry, you are not eligible to redeem this offer”

Hopefully its because you are already fully redeemed.

Would anyone else like me to use their code?

You can try mine JAMESL80

I used UOB PPV in Feb 17, and got the 10x. But hearsay UOB has since revised this CardUp eligibility for online transaction.

Diana from the CardUp team

Hi Alvin,

The invite promo code can only be used by new users on their first payment. Based on the message you’re seeing, it means you have made previous payment(s) on CardUp – let me know if this is the case? Or you can also email us at [email protected] if you’re facing any issues.

Diana | The CardUp Team

women mastercard dosent work for me as we

Wondering if it can be used to pay telco bills to earn the 10x points w DBS WW?

Is CardUp able to confirm this?

Diana from the CardUp team

Hi Ben,

CardUp operates in payment sectors where cards are not accepted. As telcos already accept cards today, it’s not a payment type we offer. Hope this clarifies.

Diana | The CardUp Team

mine is AARONC44 🙂

Uob PPV can earn 10x

UOB PPV is not getting 10x points.

sorry, should be 4miles/$

HI Card up can confirm if using the UOB PPV is 4miles/$?

Diana from the CardUp team

Hi there,

We are aware of an issue that occurred on transactions in the month of February. But are pleased to confirm that moving forward, CardUp transactions using the UOB Preferred Platinum Visa Card will continue to earn the x10 bonus UNI$ (although any future changes to card terms can be made at the card issuers discretion).

Do drop us a note at [email protected] if you have any questions.

Diana | The CardUp Team

hi Diana, thanks for confirming for the UOB PP VISA. are u able to confirm for DBS WWMC too? thanks!

I also didn’t get the DBS WWMC points for last month’s transaction… Can you confirm whether it’s over or not?

I did cardup transactions in Feb using both UOB PPV and DBS WWMC and I can confirm that I did not get 10X bonus points for both cards. UOB called and confirmed with me that cardup transactions is excluded from getting 10X UNI.

Where do you place the referral code?

Diana from the CardUp team


When scheduling your payment, you will see an option to enter a promo code after you have added/selected your credit card. The discount off the CardUp fee will be reflected before you confirm your payment.

Diana | The CardUp Team

Looks like CardUp is not being honest with points/mileage earned based on many individuals’ comments/experiences. I have to admit that I was very tempted to use CardUp, as my rent is more than $20k a month. Since it is no small amount, I tried to locate a phone number to call, but there is none. So I drove down to their registered office and found out that the address is located in a virtual office. CardUp has no staff there, no contact number and even owed the virtual office for their virtual address service. Tread with caution.

I am curious as to: a) how well protected you are if you launch a chargeback if you find out your rent has not been paid b) how long it takes some landlords to realise they have not received the rent Interesting point on the virtual office being owed money. Not a good omen. I have taken to using one of their competitors as personally I have pushed through about 2-3 months of rent through CardUp and received only the base amount of points across a range of cards. Pretty damn poor return on the 2.6% fee. Tried the competitor… Read more »

Are you referring to iPayMy?

Diana from the CardUp team
Hi there, We’re sorry to hear this. Our intention is always to be 100% transparent and have our customers best interests top of mind. We’re aware of a temporary issue in February for the UOB PPV card, which has now been resolved. We’ve also been in touch with our affected users through the process. Unfortunately, awarding of points is ultimately at the card issuers discretion, so whilst we do our best to inform users based on the information we have, we’re never able to give guarantees as changes to card t&c’s can be implemented at any time. With regards to… Read more »
Diana from the CardUp team

Hi all,

Previously x10 DBS points were being credited on CardUp transactions but we’re in discussion with DBS as understand there may have been a temporary issue in February. We will come back to you again as soon as we have clarity.

Diana | The CardUp Team

hey diana, cardup, so are you able to confirm if DBS n UOB are going to award bonus points for cardup txns again? tks!!

anybody has promo code?

Hi All, please feel free to use my promo code. ANGELINEM65

Thanks for the promo code! Please use mine KRYSTALL24 haha

Hello! Does anyone know if I’ll get miles for paying for university school fees using Prvimiles? If I can’t.. I’ll definitely be looking to sign up on CardUp.


Feel free to use SHIMINT63
Thanks 🙂

You can use JACQUELINES37


Dear All,

Please feel free to use my promo code.


Thanks in advance

Promo to reduce card fee to 1.9%, seems like it includes existing users.
Code: FLASH19
Expires 31 Mar

You can use my code: CHUNYIPC76


anybody try UOB PPV with cardup and receive 10x UNI$ since last month there is no 10x UNI$ with UOB PPV for cardup

Oh, that’s bad! Am going to pay my insurance using cardup with PPV, now have to re-consider. Any other cards I can use with Cardup that get 4mpd?

Hi Rio, RichardYeo, or anyone out there,

are you both still not receiving your bonus points for UOB Preferred Platinum Visa? anyone able to confirm if UOB has reinstated bonus points for CardUp?

Last month i dont receive missing bonus point from UOB, cardup give some compensation of release processing fee They assure that UOB will still give 4 miles/$ for cardup, maybe you can try and report it here ?

hi guys I just signed up to pay my rent. seems pretty easy. My referral code is ETHANL39. Please feel free to refer! Thank you.

hello! putting up my code here as well – JONATHANL82
$20 off for first payment, as described above. cheers!

Hi CardUp support,

I really feel disappointed about your custom service. My rental payment was due on April 1st and you already charged from my credit card on March 24, however, the payment status is still “sending” now?! Because you don’t provide any phone contact (as bad experience to get on time customer support), I can only write email to you. After 3 days, no any response!? I guess you never check email during weekend although my payment is due last weekend. Where is my payment going now???

Just got email of confirmed payment. Thanks for notice. However, I do hope you would provide phone contact for your customers.


Can u confirm if hsbcadv and dbswmc can get 10x?

Hi guys, this online platform is pretty good. Just paid some rental payment and condo fees ! My referral code is

EDGARA97 – Get $20 off for first payment up to $769 🙂

DBSWMC worked for Mar’17 payment.

Thanks all for the updates, I just tried DBS WWMC and will update next month for the bonus points.

My referral code: LAPTAKL53 – $20 off first payment.

confirm 10X points in Apr.

My referral code:


Referral Code WEETECKN90


Just confirmed UOB PP Platinum still earning 10x bonus points from CardUp. Tried on 19th April. HSBC Advance card, however, does NOT earn 10x bonus on CardUp(only 1 x bonus points). Painful lesson for me here, – paid the 2.6% for a terrible return rate on the bonus points. Heart pain. And by the way, since iPayMy used to give me 10x HSBC bonus points in 2016, I wrote iPayMy to ask if this card still gets 10x bonus points in 2017, given that there have been mixed reports here on Milelion’s comments section. They responded with, “Unfortunately, we are… Read more »

I also got the same response from ipaymy which cause me to rethink should i use ipaymy or just goto try cardup instead.

Well, my experience with CardUp was a bumpy one as well. Given that HSBC Advance used to award 10x points to CardUp (and iPayMy) in 2016, but suddenly stopped doing so since Jan 2017 for CardUp (apparently some folks still managed to get for iPayMy if you do it with a OTP what not), I was particularly upset that CardUp didn’t make it more explicit on their website or somehow notify their customers who have been using HSBC advance that this big change has taken place. It then becomes a painful (and scary) process for all customers month after month.… Read more »

Someone in hwz mentioned that ipaymy changed its payment gateway since Mar, now no longer get 4mpd.

Do use my promo code KRYSTALL24 thank you!

My promo code PETERL35 for sharing. Thanks.

Hi all,

New here and on the fence whether to use CardUp. Can anyone pls kindly share which CC can earn 4 mp$ as at May 2017?

Do DBS WWC and UOB PP still work?


Do use my promo code SHUANTZEL29! Thanks 🙂

Sharing my promocode 🙂

Sharing my promo code

Sharing my promo code: CHERRIET49

My referral code is YONGSENGT93

thanks my referral code is ANNETTES86


Used your code! =)

Mine is ZHIMINL30

Please help as well.


If there are any more laggards out there my referral code is:


5 days left! I am going to try IRAS

thanks my referral code is ANKITA12

mine is TZEHOCKC48

Where do I key in the referral code? I have signed up but I can’t find the field to key in. Thanks

This stumped me too but the referral code is part of the payment flow, not registration. Make a payment and its on the same page as where you input your credit card (from memory).

Thank u so much. It helped ! I have used your referral code too 🙂

Thank you! 🙂


Used your code!

Mine is JINWEIS12 for the next one.


Hey Jei

I got the referral credit liao thanks a lot…

Hi Jei.

Used your code

My code is WENRUIK49




i got the referral credit, thanks…

My Code: QINH55

UOB PPV has new T&Cs listed effective 1 July 2017, and maybe this means that cardup no longer works with UOB PPV?

Just made one payment using cardup via PPV, shall see if there is 10x.

Hey Jei

Whats the new T&C?

Good spot. Now it is less likely that Cardup will be accepted. Oh well…

On another point, why can’t UOB ever do a helpful set of T&Cs? I count over 50 MCCs listed, but only told the rather vague department stores, retail stores, supermarkets, dining, food delivery, entertainment and ticketing.

Can CardUp give more clarity as to what MCC it falls under?

Got my 4x points from cardup, with posting date 3 June 17

I meant 4mpd (10x points)

BTW My ref code is JINWEIS12 =)

New T&C starts 1 July. So will be interested in tests after that date

They are using 4816, which appears on the list. So no issues. 🙂

Oh really? Interesting
Can I ask how you know?

If you had used CU previously, just call your credit card CSO to ask about the MCC for that transaction. It’s 4816. Their competitor uses 7372 which is not on the list.

Thanks for confirming the competitor’s MCC.

4816 seems so out of place in its category lol.

Yes many thanks for sharing, particularly helpful haha

Is it seems not possible to ask MCC before transaction. Ask OCBC before what is MCC for Mustafa store and they play safe by saying cant say until transaction is posted

I called UOB and they told me the mcc for my last cardup transaction was 7372……

I don’t know what to believe now.

cardup not mentioned specifically in the new TNC, how do you assume that cardup will be no longer works ?

It’s not an assumption it’s a suspicion with the use of a “maybe”? Will be good if we get testers post July.

Previously, the terms and conditions were vague (i.e. the online spending clause was not spelt out with MCC), but with this new revision where they explicitly have inclusions, that makes you wonder.

That said I’m making my 2nd and 3rd payment via cardup.

My Code:

Has anyone tested if the new sign up promotion is still valid? I don’t see an end date on the T&Cs, though aaron mentioned that it ends 31 May.

Ok, just tested it. It still works. I used sen’s code.

My code is LIONELO86

My referral code is KOKFOONGT35

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