New to CardUp? Earn free miles on a payment of up to S$1,500

From now till 30 Nov 20, schedule your first CardUp payment and get S$39 off the admin fee- great for free or discounted miles.

For the uninitiated, CardUp is a service that lets you pay rental, income tax, condo fees, insurance, car loans, electricity bills and more with your credit card, earning miles and points in the process. 

If you’re new to the platform, here’s some great news. From now till 30 November 2020, you can use the code FLASHNOVML to enjoy S$39 off the CardUp fee for your first payment. This applies to any payment of at least S$500.

Sign up for CardUp here

Based on CardUp’s usual 2.6% fee, this means a chance to earn free miles on a payment of up to S$1,500. 

How does it work?

To enjoy your free payment you simply need to sign up for an account and set up your first payment. 

cardup payment types

In the promo code field, enter FLASHNOVML to take S$39 off the CardUp fee. This is valid for the first 300 users who enter the code, but don’t worry- you’ll be able to see if the code is still valid before you make payment. 

This applies to payments which are set up by 30 November 2020, with a due date of no later than 3 December 2020. A minimum payment amount of S$500 applies. This offer is valid for any Singapore-issued Visa or Mastercard. 

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

How many miles can I earn with this promotion?

You can earn between 1 and 1.6 mpd with CardUp, depending on the card you use. Therefore, you’re looking at 1,500-2,400 of “free miles”, assuming you schedule a S$1,500 payment. 

Earn Rate Payment Miles
1 mpd S$1,500 1,500
1.1 mpd S$1,500 1,650
1.2 mpd S$1,500 1,800
1.3 mpd S$1,500 1,950
1.4 mpd S$1,500 2,100
1.5 mpd S$1,500 2,250
1.6 mpd S$1,500 2,400

But even if your payment is bigger than S$1,500, there’s still good reason to use this code as it significantly lowers your cost per mile. 

Payment Fee 1.2 mpd 1.4 mpd 1.6 mpd
S$0 Free Free Free
S$2,000 S$52
0.54 0.46 0.40
S$3,000 S$78
1.07 0.92 0.80
S$4,000 S$104
1.33 1.14 1.00
S$5,000 S$130
1.49 1.28 1.12

What about subsequent payments? 

From now till 31 December 2020, CardUp is running two other offers for your subsequent payments:

  • For rent payments: 1.9% admin fee (use code SAVERENT19)
  • For all other payments: 2.25% admin fee (use code GET225)

This allows you to buy miles from as little as 1.17 cents each. That’s certainly worth it in my book, although it all comes down to how you personally value a mile

@ 1.9%
@ 2.25%
Citi ULTIMA 1.6 1.17 1.38
DBS Insignia 1.6 1.17 1.38
UOB Reserve 1.6 1.17 1.38
OCBC Premier
1.6 1.17 1.38
SCB Visa Infinite 1.41 1.33 1.57
UOB PRVI Miles 1.4 1.33 1.57
UOB Visa Infinite Metal 1.4 1.33 1.57
Citi Prestige 1.3 1.43 1.69
1.43 1.69
Citi PremierMiles
1.2 1.55 1.83
SCB X Card 1.2 1.55 1.83
DBS Altitude Visa 1.2 1.55 1.83
OCBC 90N 1.2 1.55 1.83
KrisFlyer UOB 1.2 1.55 1.83
BOC Elite Miles 1.0 1.86 2.2
1. With minimum S$2K spend per statement month, otherwise 1.0 mpd

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 (except HSBC):

  • 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
  • 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


Sign up for CardUp here

This is an excellent deal from CardUp if you’re new to the platform, and an easy way to accrue some free or highly discounted miles. Do remember to set up your payments before 30 November 2020 to be eligible! 

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 founded The Milelion with the intention of helping people travel better for less and impressing chiobu. He was 50% successful.

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Can I pay my utilities in advance?


thanks aaron, supporting you via using your ML promo code. =)



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