CardUp is a bill payment platform that allows users to earn credit card miles on insurance premiums, tuition fees, taxes, rental, utilities, and other categories of spend which are normally excluded from rewards by banks.
If you’re planning to make such payments in 2025, CardUp has just extended its ongoing promotions till January 2026. Depending on the payment you’re making and the cards you have, the cost per mile can be as low as 0.88 cents each.
How does CardUp work?
💳 CardUp Supported Payments | |
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CardUp is a platform that allows users to pay bills with their credit card, in exchange for a small admin fee.
Here’s how it works:
- You submit a payment request to CardUp
- CardUp charges your credit card for the amount due, plus an admin fee
- CardUp makes a bank transfer to the receiving party on your behalf. The receiving party need not be registered with CardUp
You earn credit card rewards for the amount charged to your card, and the out-of-pocket cost is the admin fee.
CardUp promo codes for 2025
Here’s a rundown of all the CardUp codes available for 2025.
Do note that all the current promotions are for Mastercard or Visa cardholders only. CardUp has occasional American Express offers, but they’re usually released in limited quantity only.
Code | Payment | Cards |
OCBC90N15 1.5% |
Any payment New |
OCBC 90°N Visa & MC |
OCBC15 1.5% |
Any payment New |
OCBC VOYAGE & Premier VI |
MB173 1.73% |
Any payment New Existing |
MB Platinum Visa |
MILELION 1.79% |
Any payment ex. tax New |
Visa |
SAVERENT179 1.79% |
Rent New Existing |
Visa, MC |
TAX18 1.8% |
Tax New Existing |
Visa |
OCBC18 1.8% |
Any payment New Existing |
OCBC VOYAGE & Premier VI |
REC185 1.85% |
Recurring payments ex. tax New Existing |
Visa |
GLOBE185 1.85% |
Overseas payments New Existing |
Visa |
OCBC90NV 2% |
Any payment New Existing |
OCBC 90°N Visa |
OCBC90NMC 2% |
Any payment New Existing |
OCBC 90°N MC |
OFF225 2.25% |
Any payment ex. tax New Existing |
Visa, MC |
First time payment (1.79%)
Code | MILELION |
Limit | First payment only; no cap on overall redemptions |
Admin Fee | 1.79% |
Min. Spend | None |
Cap | S$5,000 |
Schedule By | 31 March 2025 |
Due Date By | 3 April 2025 |
Validity | Visa |
MILELION T&Cs |
First-time CardUp users can use the promo code MILELION to enjoy a 1.79% fee on their first payment of up to S$5,000 (excluding property tax, income tax and stamp duty). CardUp’s regular fee of 2.6% will apply to the portion of the payment that exceeds S$5,000.
Payments must be scheduled by 31 March 2025, with due dates on or before 3 April 2025 (though it’s likely we’ll see the promotion periodically extended throughout the year).
This code is valid for all locally-issued Visa cards.
Cards | Earn Rate | Cost Per Mile (1.79% fee) |
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1.6 mpd | 1.10¢ |
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1.5 mpd | 1.17¢ |
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1.4 mpd | 1.26¢ |
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1.3 mpd | 1.35¢ |
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1.28 mpd | 1.37¢ |
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1.2 mpd | 1.47¢ |
Rental (1.79%)
Code | SAVERENT179 |
Limit | No cap on individual or overall redemptions |
Admin Fee | 1.79% |
Min. Spend | None |
Cap | None |
Schedule By | 31 January 2026 |
Due Date By | 4 February 2026 |
Validity | Visa, Mastercard, UnionPay |
SAVERENT179 T&Cs |
CardUp users can use the promo code SAVERENT179 to enjoy a 1.79% fee on rental payments scheduled by 31 January 2026, with due dates on or before 4 February 2026.
This code is valid for all locally-issued Visa, Mastercard and UnionPay cards.
Cards | Earn Rate | Cost Per Mile (1.79% fee) |
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2 mpd | 0.88¢ |
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1.6 mpd | 1.10¢ |
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1.5 mpd | 1.17¢ |
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1.4 mpd | 1.26¢ |
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1.3 mpd | 1.35¢ |
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1.28 mpd | 1.37¢ |
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1.2 mpd | 1.47¢ |
Tax (1.8%)
Code | TAX18 |
Limit | No cap on individual or overall redemptions |
Admin Fee | 1.8% |
Min. Spend | None |
Cap | S$10,000 per month |
Schedule By | 26 March 2025 |
Due Date By | 31 March 2025 |
Validity | Visa |
TAX18 T&Cs |
CardUp users can use the promo code TAX18 to enjoy a 1.8% fee on personal and business property tax, personal stamp duty and income tax, and business GST and corporate tax.
This is capped at S$10,000 per calendar month. CardUp’s regular fee of 2.6% will apply to the portion of the payment that exceeds S$10,000.
Payments must be scheduled by 26 March 2025, with due dates on or before 31 March 2025.
This code is valid for all locally-issued Visa cards.
Cards | Earn Rate | Cost Per Mile (1.8% fee) |
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1.6 mpd | 1.11¢ |
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1.5 mpd | 1.18¢ |
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1.4 mpd | 1.26¢ |
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1.3 mpd | 1.36¢ |
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1.28 mpd | 1.38¢ |
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1.2 mpd | 1.47¢ |
Recurring Payments (1.85%)
Code | REC185 |
Limit | No cap on individual or overall redemptions |
Admin Fee | 1.85% |
Min. Spend | None |
Cap | S$20,000 per month |
Schedule By | 31 January 2026 |
Due Date By | 4 February 2026 |
Validity | Visa |
REC185 T&Cs |
CardUp users can use the promo code REC185 enjoy a 1.85% fee on recurring payments (exept property tax, income tax and stamp duty) of up to S$20,000 per month. CardUp’s regular fee of 2.6% will apply to the portion of the payment that exceeds S$20,000.
Payments must be scheduled by 31 January 2026, with due dates on or before 4 February 2026.
Payments can be set up with weekly, monthly or quarterly frequencies. Remember, CardUp supports mortgage payments for both bank and HDB loans, so this could be useful for anyone looking to repay a housing loan.
The code is only valid for locally-issued Visa cards.
Cards | Earn Rate | Cost Per Mile (1.85% fee) |
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1.6 mpd | 1.14¢ |
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1.5 mpd | 1.21¢ |
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1.4 mpd | 1.30¢ |
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1.3 mpd | 1.40¢ |
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1.28 mpd | 1.42¢ |
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1.2 mpd | 1.51¢ |
International Payments (1.85%)
Code | GLOBE185 |
Limit | No cap on individual or overall redemptions |
Admin Fee | 1.85% |
Min. Spend | None |
Cap | None |
Schedule By | 31 January 2026 |
Due Date By | 4 February 2026 |
Validity | Visa |
GLOBE185 T&Cs |
CardUp users making international payments can use the promo code GLOBE185 to enjoy a 1.85% fee, for payments scheduled by 31 January 2026 with due dates on or before 4 February 2026.
The code is only valid for locally-issued Visa cards.
Cards | Earn Rate | Cost Per Mile (1.85% fee) |
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1.6 mpd | 1.14¢ |
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1.5 mpd | 1.21¢ |
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1.4 mpd | 1.30¢ |
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1.3 mpd | 1.40¢ |
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1.28 mpd | 1.42¢ |
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1.2 mpd | 1.51¢ |
Given that this is an international transfer, you should also check whether the rate CardUp is offering is competitive compared to the alternatives, because otherwise that implicitly increases your cost per mile.
All other payments (2.25%)
Code | OFF225 |
Limit | No cap on individual or overall redemptions |
Admin Fee | 2.25% |
Min. Spend | None |
Cap | None |
Schedule By | 31 January 2026 |
Due Date By | 4 February 2026 |
Validity | Visa, Mastercard, UnionPay |
OFF225 T&Cs |
For all other payments, CardUp users can use the promo code OFF225 to enjoy a 2.25% fee, for payments scheduled by 31 January 2026 with due dates on or before 4 February 2026.
This code is valid for all locally-issued Visa, Mastercard and UnionPay cards.
Cards | Earn Rate | Cost Per Mile (2.25% fee) |
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2 mpd | 1.10¢ |
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1.6 mpd | 1.38¢ |
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1.5 mpd | 1.47¢ |
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1.4 mpd | 1.57¢ |
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1.3 mpd | 1.69¢ |
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1.28 mpd | 1.72¢ |
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1.2 mpd | 1.83¢ |
Special rates for OCBC cards (1.5-2%)
OCBC cardholders can enjoy admin fees of 1.5-2% with CardUp, depending on card and whether they’re a new or existing CardUp user.
This allows the purchasing of miles from as little as 0.92 cents each.
Card | Earn Rate |
Cost Per Mile (1.5% fee) |
Cost Per Mile (1.8% fee) |
(Premier, PPC, BOS) |
1.6 mpd | 0.92¢ | 1.11¢ |
1.3 mpd | 1.14¢ | 1.36¢ | |
1.28 mpd | 1.15¢ | 1.38¢ |
Card | Earn Rate | Cost Per Mile (1.5% fee) |
Cost Per Mile (2% fee) |
1.3 mpd | 1.14¢ | 1.51¢ |
For details on the OCBC offer, refer to this post.
Citi PayAll alternative
As a reminder, Citi cardmembers have the option of paying bills with Citi PayAll instead.
From now till 28 February 2025, Citi PayAll transactions will earn a flat 1.75 mpd across the Citi ULTIMA, Citi Prestige, Citi PremierMiles and Citi Rewards Cards. This is subject to a minimum spend of S$5,000 across all Citi PayAll transactions.
For details on the Citi PayAll offer, refer to this post.
Citi PayAll’s scope of payments is different from CardUp’s, so there are certain bills you can pay through one platform but not the other.
💰 Citi PayAll: Supported Payments | |
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CardUp FAQs
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).
Q: Do CardUp payments earn credit card miles?
A: Yes, that’s kind of the whole point. CardUp transactions code as MCC 7399 (Business Services Not Elsewhere Classified), and will earn miles will all cards except HSBC, which excluded CardUp in July 2020.
Q: Do CardUp payments count towards minimum spend for welcome offers?
A: Again, yes. The two exceptions are HSBC cards (as mentioned above), and DBS cards. DBS is odd in that it awards base points for CardUp spend (e.g. 1.3 mpd for DBS Altitude, 1.5 mpd for DBS Vantage), but does not count CardUp transactions towards the minimum spend for welcome offers.
Q: Are CardUp payments eligible to earn 4 mpd with specialised spending cards?
A: No. Stick to general spending cards with CardUp.
Q: Why did the CSO tell me that CardUp transactions don’t earn points?
A: Unfortunately, bank CSOs will sometimes misinform customers that CardUp transactions aren’t eligible to earn points. This usually happens because the customer asks something like “will insurance paid through CardUp earn rewards?”
Odds are, the CSO has never even heard of CardUp in their life and has no idea what it does. All they hear is “insurance”, and once that trigger word is spoken, the answer will almost certainly be no!
So I wouldn’t worry too much about what the CSO says.
Q: Is the CardUp admin fee eligible to earn miles?
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.
Conclusion
CardUp has released its promo codes for 2025, which allow cardholders to buy miles from as little as 0.88 cents each.
Whether it’s worth buying miles through CardUp boils down to how much you value a mile, but on the whole there’s certainly situations where it can make sense. The higher your mpd, the lower your cost per mile, so use the highest-earning general spending card you have.
Aaron, do you think that there is an error for the TAX18 T&Cs? If it is meant for recurring payments, shouldn’t the tax payment be due by 31 March 2026 rather than 31 March 2025? Currently, I’m using MLTAX24 that runs till 25 March 2025 at 1.75% no cap. It seems strange to have a new code to cover the last 2 months of tax payment for the payment cycle.
nope. keep in mind that this isn’t the “real” promo code for tax season. CardUp releases that later in the year. TAX18 is meant for eager beavers who want to pay their taxes ahead of schedule.
if I recall correctly, we cannot pay income tax ahead of schedule and it will be refunded?
Hi Aaron, think you forgot the UOB Privilege Banking Card (Visa) for 1.2mpd
Why now so limited options for discounts for areas like Education? and all the promotions is for ocbc only.
Thank you for the detailed explanation, Mr MileLion!
No code for AMEX card… =.=
Are some of the “2026” mentioned meant to be “2025”?
Hi, for Recurring Payments (1.85%) REC185 promo code, does it work if split payment to 2 and more weekly payments for a yearly insurance premium to qualify?