CardUp extends discounted 2.25% fee till end 2020; buy miles from 1.38 cents each


Pay bills with a 2.25% admin fee until the end of 2020 and buy miles from 1.38 cents apiece.

CardUp has extended their discounted 2.25% admin fee till 31 December 2020, allowing cardholders to buy miles from as low as 1.38 cents each when paying condo fees, insurance, car loans and more. 

cardup discounted fee

How does CardUp’s discounted fee work?

cardup payment types

To enjoy the 2.25% fee, use the code GET225 when setting up your payment. If you have existing payments scheduled, there’s no need to cancel them- you can edit them in the dashboard to add this promo code instead.

A minimum payment of S$130 is required, and the payment must be set up on or before 31 December 2020 with a due date on or before 5 January 2021. This code is valid for any CardUp payment made with a Singapore-issued Visa or Mastercard. 

If this is your first payment with CardUp, you can save S$20 off the admin fee for your first payment of S$1,000 or more with the promo code MILELION. You can subsequently schedule the rest of your payments with the GET225 code for maximum savings. 

The full T&C of this promotion can be found here.

💡 Paying income tax or rent?

Income tax: Use the code ML175TAX20 to enjoy a fee of 1.75%. Schedule payments by 25 August 2020, with due date by 28 August 2020 (Read More)

Rent: Use the code SAVERENT19 to enjoy a fee of 1.9%. Schedule payments by 31 December 2020, with due date by 5 January 2021 (Read More)

How much do miles cost with this promotion?

Here’s what a 2.25% fee means for your cost per mile with various credit cards. For more information on whether this is “worth it”, have a read of my guide to valuing miles. 

@ 2.25%
Citi ULTIMA 1.6 1.38
DBS Insignia 1.6 1.38
UOB Reserve 1.6 1.38
OCBC Premier
1.6 1.38
SCB Visa Infinite 1.41 1.57
UOB PRVI Miles 1.4 1.57
UOB Visa Infinite Metal 1.4 1.57
Citi Prestige 1.3 1.69
HSBC Visa Infinite 1.252
Citi PremierMiles
1.2 1.83
SCB X Card 1.2 1.83
DBS Altitude Visa 1.2 1.83
OCBC 90N 1.2 1.83
KrisFlyer UOB 1.2 1.83
BOC Elite Miles 1.0 2.2
1. With minimum S$2K spend per statement month, otherwise 1.0 mpd
2. With minimum S$50K spend in previous membership year, otherwise 1.0 mpd. CardUp payments will be excluded from 1 July

I’m attaching the usual CardUp FAQ below. Be sure to have a read, because it answers commonly asked questions like whether CardUp payments count towards sign up bonuses (they mostly do) and whether there are any 10X opportunities (there aren’t).

CardUp FAQ

Q: What cards earn miles with CardUp? 
A: CardUp keeps a running list of all the cards which earn points with CardUp here. Broadly speaking, any general spending card will earn points with CardUp

  • American Express® Singapore Airlines KrisFlyer Credit Card
  • American Express® Singapore Airlines KrisFlyer Ascend Credit Card
  • American Express® Singapore Airlines PPS Club Credit Card
  • American Express® Singapore Airlines Solitaire PPS Club Credit Card
  • Bank of China Elite Miles World Mastercard
  • Citi PremierMiles Visa Card
  • Citi PremierMiles American Express Card
  • Citi PremierMiles Mastercard
  • Citi Prestige Card
  • Citi ULTIMA Card
  • DBS Altitude Visa Signature Card
  • DBS Altitude American Express Card
  • DBS Insignia Visa Infinite Card
  • DBS Treasures Black Elite American Express Card
  • HSBC Visa Infinite Credit Card
  • OCBC Voyage Card
  • OCBC 90ºN Card
  • Standard Chartered Priority Banking Visa Infinite Credit Card
  • Standard Chartered Visa Infinite Credit Card
  • Standard Chartered Visa Infinite X Credit Card
  • UOB PRVI Miles Mastercard
  • UOB PRVI Miles Visa Card
  • UOB PRVI Miles American Express Card
  • UOB Reserve Card
  • UOB Visa Infinite Metal Card
  • KrisFlyer UOB Credit Card

Q: Do any cards earn 10X with CardUp?
A: No. Citi Rewards Visa/Citi Rewards Mastercard, OCBC Titanium Rewards, DBS Woman’s World Card and the like will not earn 10X on CardUp

Q: Does CardUp spending count towards sign up bonuses/promotional bonuses?
A: For most cards, CardUp spending is treated the same way as any other retail spend. However, some banks (SCB X Card, UOB PRVI Miles) have excluded it from the spending requirement to hit sign up bonuses. Always read the T&C carefully for specific exclusions

Q: Do I earn miles on the CardUp fee too?
A: Yes. Suppose you make a payment of $100 with a promotional fee of 1.99%. The total amount charged to your card is $101.99, and you’ll earn miles based on $101.99 of spending


If you have an upcoming payment to make, it’s worth seeing if this promotional rate allows you to buy miles at a price you’re comfortable with. 

Most cards already exclude points for insurance and education, so CardUp may be your only option for earning rewards on such transactions. 

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

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Now we wait for the one upmanship from ipaymy….


I tried to use your promo code “milelion” to pay but the error message is that “your card is not eligible to redeem this offer” I am using the platinum charge card


CardUp has removed HSBC credit cards from their qualifying credit cards.

“Dear [name],

We’re writing to you as we noticed you have used a HSBC credit card for a payment on our platform before.

HSBC has updated their cards’ terms and conditions and from 1 July 2020, CardUp spend will not be eligible for rewards.”