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!

Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Tim

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

Tim

I looked back, my attempt was in Feb. Got the 10x on everything I was expecting except cardup this week.

Tim

A general comment for the CardUp team: Charging 2.6% is quite a lot for the privilege to put rent on a credit card unless there are some serious points on offer. Since the banks have clued onto this, you stand to lose a lot of points-hungry clients unless you change the way the payments are being processed so they are earning top earn rates. And another thing from the previous CardUp post by Aaron where you guys mentioned that you had tried to verify the earn rates with the banks themselves – can you not do something so naive and… Read more »

Tim

I get your point, but I doubt this is how the banks intend for their award programs to be used (a lot of T&Cs exclude payment service providers, some like UOB PPV were meant to be only for online shopping), so to me it was largely a loophole that was being exploited. Querying the banks just puts it front and centre with them, and we now see banks blacklisting the service from the 10x programs which validated my previous feelings that this was a loophole. The fact it is a loophole means that there is no certainty to agree on… Read more »

Yu

I done a 1000+ insurance payment and paid a 12months premium directly. What i understood after more than 20 emails and telephone conversation with cardup and UOB is that…. UOB frontline/CS team has no awareness of what cardup is.. they will just say this is not eligible. In the end my insurance payment of $1000 only got 1xUNI$ and cardup team refunded me the cardup transaction fees. Cardup seems to be communicating with the UOB marketing team and have successfully convinced them to accept cardup as a online payment. I did a huge payment recently and got the UNI$ (for… Read more »

KhimC

Hi Aaron,

Now that CardUp transaction no longer qualify for 4mpd for DBS Woman and PPV, do you think it is worth paying 1.9% transaction fee (I got the promo for 3 months) using Citi Premier Miles for just 1.2mpd?

KhimC

Thanks for replying! I have study how to calculate the cpm again, terrible at maths concept :-p I am merely “collecting” miles now, dont have enough to redeem on my Citi Premiers now. And no spending bonus target is running now. I am using DBS Woman to collect miles for the online transactions currently, and CitiPremiermiles for other retail. Question is, I am not sure if it is still worthy to pay for CardUp transaction fee to collect miles using either Citi PremilerMiles, or any other CC for that matter. Do you still use Cardup? If yes, mind to share… Read more »

KhimC

Many thanks YIBin Tan for using my promo code. Here is my CardUp promo code for $20 off the cardup fee:

YAAKHIMC69

Thanks 🙂

KhimC

Hi Aaron,

Thanks for sharing your thoughts, appreciate it! I dont have 500k (I wish), so will be building it 🙂

Ethan Teo

My promo code is still valid if anyone needs it!

ETHANT41

Anonymous

Yup it’s not online. Tested too

Peter

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.

Cheers,
Diana | The CardUp Team

Alvin

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?

JT

I just did used your referral code, win-win situation as well as appreciation for highlighting this promo! I tried on a cashback card, see if it qualifies.

Anonymous

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.

Cheers,
Diana | The CardUp Team

cm

women mastercard dosent work for me as we

Ben

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.

Cheers,
Diana | The CardUp Team

Aaron Chan

mine is AARONC44 🙂

Jason

Uob PPV can earn 10x

invisible

UOB PPV is not getting 10x points.

Jason

sorry, should be 4miles/$

Ann

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.

Cheers,
Diana | The CardUp Team

Anonymous

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

Max

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

lm

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.

CPNN

Where do you place the referral code?

Diana from the CardUp team

Hi CPNN,

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.

Cheers,
Diana | The CardUp Team

Investigator

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.

Tim

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 »

Peter

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.

Cheers,
Diana | The CardUp Team

jim

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

Angel

anybody has promo code?

Angel

not anymore. It says that promo code has already been used.

Isaac

Feel free to use mine! 🙂

ISAACW68

Diana from the CardUp team

Hi Angel,

We’ve checked our logs and do not see any error message. You will need to confirm your payment and the promo code will be applied. Can you please try again and if you still face issues, email a screenshot of the error message to [email protected] so we can look into it?

Thanks!
Diana | The CardUp Team

Angel

Thanks Isaac. Getting the same error message.

Hi Diana,

I will send u the screenshot thru email.

Angel

Now it’s ok. Thanks Isaac.

Angel

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

krystal

Thanks for the promo code! Please use mine KRYSTALL24 haha

Russ

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.

Thanks!

shimin

Feel free to use SHIMINT63
Thanks 🙂

Jacqueline

You can use JACQUELINES37

🙂

Sean Ang

Dear All,

Please feel free to use my promo code.

SEANA98

Thanks in advance

Tim

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

James

You can use my code: CHUNYIPC76

Thanks!

Rio

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

RichardYeo

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?

jim

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?

Rio

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 ?

ethanlism

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.

jonnyboy

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

Ding

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???

Ding

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

Leon

Cardup

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

Ed

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 🙂

Anonymous

DBSWMC worked for Mar’17 payment.

Alex

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.

Alex

confirm 10X points in Apr.

Martin

My referral code:

MARTING78

Wee Teck

Referral Code WEETECKN90

Thx!

lynn07

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 »

RichardYeo

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

Lynn07

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 »

RichardYeo

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

Krystal

Do use my promo code KRYSTALL24 thank you!

Peter

My promo code PETERL35 for sharing. Thanks.

KhimC

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?

Thanks!

sen

Do use my promo code SHUANTZEL29! Thanks 🙂

Joshua

Sharing my promocode 🙂
JOSHUAS67
Thanks!

CK

Sharing my promo code
CHUNKIATL59

Anonymous

Sharing my promo code: CHERRIET49

Joseph

My referral code is YONGSENGT93

Ann

thanks my referral code is ANNETTES86

Anonymous

LEONARDT75

Garfield

Used your code! =)

Mine is ZHIMINL30

Please help as well.

Thanks.

Phil

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

PHILIPH98

5 days left! I am going to try IRAS

aa

thanks my referral code is ANKITA12

Anonymous

mine is TZEHOCKC48

Ano

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

Phil

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).

Ano

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

Phil

Thank you! 🙂

Vk

YEEVONK78

Jei

Used your code!

Mine is JINWEIS12 for the next one.

Vk

thanks.

Vk

Hey Jei

I got the referral credit liao thanks a lot…

WR

Hi Jei.

Used your code

My code is WENRUIK49

Jei

Thanks!

YS

YONGSENGT67

Vk

Hi

i got the referral credit, thanks…

Jason

My Code: QINH55

Jei

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.

Vk

Hey Jei

Whats the new T&C?

Jei
Tim

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?

Jei

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

Jei

I meant 4mpd (10x points)

BTW My ref code is JINWEIS12 =)

Tim

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

Nobody

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

Tim

Oh really? Interesting
Can I ask how you know?

Nobody

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.

T

Thanks for confirming the competitor’s MCC.

4816 seems so out of place in its category lol.

Tim

Yes many thanks for sharing, particularly helpful haha

Rio

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

Jei

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

I don’t know what to believe now.

Rio

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

Jei

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.

sen

My Code:
SHUANTZEL29

Lionel

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.

Lionel

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

My code is LIONELO86

Daniel

My referral code is KOKFOONGT35

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