CardUp offering 1.6% fee to new users- buy miles from 0.98 cents each


First time CardUp user? Use the code HOLIDAY16ML to earn discounted miles on your first two payments of at least S$500.

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

If this is your first payment with the platform, CardUp is currently offering a discounted 1.6% fee (usual: 2.6%) on your first two payments, allowing you to buy miles from as low as 0.98 cents each. This offer is available with the promo code HOLIDAY16ML.

Existing CardUp users can enjoy a fee of 1.9% on their next payment with the code HOLIDAY19. Terms and conditions apply

CardUp 1.6% offer for new users

Sign up for CardUp here

The HOLIDAY16ML code is valid for CardUp account holders who have not yet scheduled a payment. Users will enjoy a discounted admin fee of 1.6% (usual: 2.6%) on their first two recurring payments of at least S$500 and at most S$10,000. 

All payments must be set up on or before 31 December 2020, with the payment due date on or before 11 February 2021. Only Singapore-issued Mastercard or Visa cards are eligible. Should you have an American Express card, you can use the code AMEXNEW instead to enjoy a 1.6% fee. 

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

How do I use this offer?

Once you’ve set up your account, you’ll be able to schedule your first payment. Select the payment type, and follow the instructions on screen to add your payee’s details (there’s no need for the payee to be on the CardUp platform). 

cardup payment types

In the promo code field, enter HOLIDAY16ML and the 1.6% admin fee will reflect. 

The code is limited to the first 300 new users, but don’t worry- you’ll be able to see if the offer is still available before finalizing your payment. 

Remember: your payment must be part of a recurring series (i.e not a one-time payment), and you’ll enjoy the discounted rate on the first two payments. Subsequently, you’ll be able to edit (or cancel, if you wish) the remaining payments in the series to use a different promo code that’s available to existing customers. 

How much do miles cost with this offer?

While there are no 4 mpd opportunities with CardUp, CardUp transactions will earn miles with all general spending cards (except HSBC). Here’s how much you’re paying for miles with a 1.6% admin fee. 

@ 1.6%
Citi ULTIMA 1.6 0.98
DBS Insignia 1.6 0.98
UOB Reserve 1.6 0.98
1.6 0.98
SCB Visa Infinite 1.41 1.12
UOB PRVI Miles 1.4 1.12
UOB Visa Infinite Metal 1.4 1.12
Citi Prestige 1.3 1.21
Citi PremierMiles
1.2 1.31
SCB X Card 1.2 1.31
DBS Altitude Visa 1.2 1.31
OCBC 90N 1.2 1.31
KrisFlyer UOB 1.2 1.31
BOC Elite Miles 1.0 1.57
1. With minimum S$2K spend per statement month, otherwise 1.0 mpd

While it all comes down to how you personally value a mile, I’d argue that a price of 1.3 cents or less is very attractive. 

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

If you haven’t made your first payment with CardUp yet, this is an easy way to accrue some highly discounted miles. Remember to set up your payments before 31 December 2020 to be eligible. 

As most cards already exclude points for insurance and education, 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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