CardUp extends 2.25% admin fee till end of 2021; buy miles from 1.38 cents

Use the code GET225 to enjoy a 2.25% admin fee with CardUp till 31 December 2021, and buy miles from 1.38 cents each.

At the start of this year, CardUp cut their processing fee from 2.6% to 2.25%, an offer that was set to expire on 30 June 2020. That ended up being extended till 31 December 2020, and now it’s been extended once again, all the way till 31 December 2021. 

A 2.25% fee allows cardholders to buy miles from as low as 1.38 cents each when paying condo fees, insurance, car loans and more.

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 2021 with a due date on or before 5 January 2022. 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 have the following additional options:

  • Save S$20 off the admin fee for your first payment of S$1,000 or more with the promo code MILELION
  • Enjoy an admin fee of 1.6% on your first two recurring payments of at least S$500 with the promo code HOLIDAY16ML

Either way, 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 rent?
Rent: Use the code SAVERENT179 to enjoy a fee of 1.79%. Schedule payments by 30 June 2021 with due date by 5 July 2021. Read more here.

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 ULTIMA1.61.38
DBS Insignia1.61.38
UOB Reserve1.61.38
SCB Visa Infinite1.4*1.57
UOB PRVI Miles1.41.57
UOB Visa Infinite Metal1.41.57
Citi Prestige1.31.69
Citi PremierMiles
SCB X Card1.21.83
DBS Altitude Visa1.21.83
OCBC 90N1.21.83
KrisFlyer UOB1.21.83
BOC Elite Miles1.02.2
*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

With most cards already excluding points for insurance and education, CardUp may be your only option for earning rewards on such transactions. Whether or not the admin fee is “worth it” depends on your personal valuation of a mile of course, but if you have a card that earns at least 1.4 mpd, I’d say it’s worth looking at. 

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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