Full list of CardUp promo codes for 2025

CardUp has released its promo codes for 2025 payments, which let you buy miles from as little as 0.88 cents each.

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
  • Car Loans
  • Condo & MCST
  • Education
  • Electricity (except SP Group)
  • Helper Salary
  • Insurance (except NTUC Income)
  • Miscellaneous
  • Mortgage Loans
  • Renovation
  • Rent
  • Season Parking (except HDB)
  • Taxes

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:

  1. You submit a payment request to CardUp
  2. CardUp charges your credit card for the amount due, plus an admin fee
  3. 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)
  • Citi ULTIMA
  • DBS Insignia
  • OCBC VOYAGE (Premier, PPC, BOS)
  • UOB Reserve
1.6 mpd 1.10¢
  • DBS Vantage
1.5 mpd 1.17¢
1.4 mpd 1.26¢
1.3 mpd 1.35¢
  • OCBC Premier Visa Infinite
1.28 mpd 1.37¢
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)
  • StanChart Beyond (PP, PB)
2 mpd 0.88¢
  • Citi ULTIMA
  • DBS Insignia
  • DCS Imperium
  • OCBC VOYAGE (Premier, PPC, BOS)
  • UOB Reserve
1.6 mpd 1.10¢
  • DBS Vantage
  • StanChart Beyond (Regular)
1.5 mpd 1.17¢
1.4 mpd 1.26¢
1.3 mpd 1.35¢
  • OCBC Premier Visa Infinite
1.28 mpd 1.37¢
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)
  • Citi ULTIMA
  • DBS Insignia
  • OCBC VOYAGE (Premier, PPC, BOS)
  • UOB Reserve
1.6 mpd 1.11¢
  • DBS Vantage
1.5 mpd 1.18¢
1.4 mpd 1.26¢
1.3 mpd 1.36¢
  • OCBC Premier Visa Infinite
1.28 mpd 1.38¢
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)
  • Citi ULTIMA
  • DBS Insignia
  • OCBC VOYAGE (Premier, PPC, BOS)
  • UOB Reserve
1.6 mpd 1.14¢
  • DBS Vantage
1.5 mpd 1.21¢
  • StanChart Visa Infinite
  • UOB PRVI Miles Visa
  • UOB Visa Infinite Metal
1.4 mpd 1.30¢
  • DBS Altitude Visa
  • OCBC 90°N Visa
  • OCBC VOYAGE
1.3 mpd 1.40¢
  • OCBC Premier Visa Infinite
1.28 mpd 1.42¢
  • Maybank Visa Infinite
  • StanChart Journey
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)
  • Citi ULTIMA
  • DBS Insignia
  • OCBC VOYAGE (Premier, PPC, BOS)
  • UOB Reserve
1.6 mpd 1.14¢
  • DBS Vantage
1.5 mpd 1.21¢
  • StanChart Visa Infinite
  • UOB PRVI Miles Visa
  • UOB Visa Infinite Metal
1.4 mpd 1.30¢
  • DBS Altitude Visa
  • OCBC 90°N Visa
  • OCBC VOYAGE
1.3 mpd 1.40¢
  • OCBC Premier Visa Infinite
1.28 mpd 1.42¢
  • Maybank Visa Infinite
  • StanChart Journey
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)
  • StanChart Beyond (PP, PB)
2 mpd 1.10¢
  • Citi ULTIMA
  • DBS Insignia
  • DCS Imperium
  • OCBC VOYAGE (Premier, PPC, BOS)
  • UOB Reserve
1.6 mpd 1.38¢
  • DBS Vantage
  • StanChart Beyond (Regular)
1.5 mpd 1.47¢
  • StanChart Visa Infinite
  • UOB PRVI Miles Visa/MC
  • UOB Visa Infinite Metal
1.4 mpd 1.57¢
  • Citi Prestige
  • DBS Altitude Visa
  • OCBC 90°N Visa/MC
  • OCBC VOYAGE
1.3 mpd 1.69¢
  • OCBC Premier Visa Infinite
1.28 mpd 1.72¢
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)
OCBC VOYAGE
(Premier, PPC, BOS)
1.6 mpd 0.92¢ 1.11¢
OCBC VOYAGE 1.3 mpd 1.14¢ 1.36¢
OCBC Premier Visa Infinite 1.28 mpd 1.15¢ 1.38¢
Card Earn Rate Cost Per Mile
(1.5% fee)
Cost Per Mile
(2% fee)
OCBC 90°N Visa/MC 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
  • Education Fees
  • Taxes
  • Rent
  • Insurance Premiums
  • Renovation Fees
  • Property Agent Fees
  • Wedding Expenses
  • Condo Management Fees
  • Child Care Services
  • Domestic Helper Service Fees
  • Donation or Charity Payment
  • Electricity Bills
  • Event Management Fees
  • Membership Fees
  • Maintenance Fees
  • Medical Services
  • Payment for Retail Goods and Services
  • Parking
  • Professional Services Fees
  • Storage
  • Travel Expenses
  • Transport Fees
  • Utilities

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.

The customer (service officer) isn’t always right!

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 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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TK Wang

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.

Last edited 21 days ago by TK Wang
Leo

if I recall correctly, we cannot pay income tax ahead of schedule and it will be refunded?

iamhappy

Hi Aaron, think you forgot the UOB Privilege Banking Card (Visa) for 1.2mpd

PCh

Why now so limited options for discounts for areas like Education? and all the promotions is for ocbc only.

Himynameis

Thank you for the detailed explanation, Mr MileLion!

Leo

No code for AMEX card… =.=

Kev Fang

Are some of the “2026” mentioned meant to be “2025”?

Avery

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?

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