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

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Mine is EUGENET92


For those who still need it

Appreciate if you would try mine 🙂



Please use referral

Here is 1 more lucky referral 🙂 RAJIVR91

need one referral TZEHOCKC48

AKASHM98 is mine. Pls use it.

Mine’s DANIELT58 if anyone still needs

Sharing my referral code as well. Thanks in advance to those who use it. MARKF29



For those who require the code, mine is JUNJIEO99. Thanks.

mine is SEANL27 thanks!

My referral code is VINCENTM88

I just signed up at cardup. My referral code is still fresh! It is CINDYS75.

Mine is IRENEL82. Thanks 🙂


Sharing my referral code as well. JOHNPAULC61

for the lucky user : ANNETTES86

To add to the confusion of others which to code choose!

My referral code: DIANAJ27

Just complete my payment and it works well.

Any bits count:)


KAILITT64 Thanks much!




Feel free to use!




Please use referral: PHILIPPZ32
I also used one from here.
Thank you!


Great promotion by uob priv miles till end Dec 2017! 2.6x miles with cardup
Use my referral code: CRYSTALL17


My referral code: VICTORC36
Thank you!

Get $20 off at the setup by providing the following promo code: ZSOMBORD52

Promo code – ZONGLONGG65

Use this promo code: ZHONGSHENGK63

Hi, would appreciate if you could use my referral code 🙂


My referral code


Thank you.

Thanks everyone for sharing your codes here; I benefited from one shared here as well.
If you need a referral code, try mine: AIYINGP49

Just in case anyone is looking for a code: KAIYIC73


thank you 🙂

My promo/referral code

Great service! Just tried it:) Appreciate it if someone could use my promo code: ROYSTONT12



Promo code – ZONGLONGG65



For first time Cardup users, can try using promo code: VICTORT80

WILLIAMY70 – Thanks!!

For those who still need it

For those who need the promo code: ZK95