CardUp and OCBC have a long-running partnership that offers cardholders discounted admin fees for paying bills such as rent, tuition fees, income tax and insurance premiums.
The previous promotions ended on 31 March 2025, and have now been replaced by new offers featuring fees ranging from 1.55% to 2% instead of the usual 2.6% (though CardUp effectively charges 2.25% for Visa and Mastercard transactions with the year-round OFF225 code).
With these promo codes, OCBC cardholders can buy miles from 0.95 cents each, depending on the card they use.
| ๐ณ CardUp x OCBC promo codes |
OCBC VOYAGE & OCBC Premier Visa Infinite
First payment (1.55%)
 |
|
| Code | OCBC155 |
| Card Type | OCBC VOYAGE & Premier Visa Infinite |
| Limit | No cap on total redemptions, but max 1x per user |
| Admin Fee | 1.55% |
| Min. Spend | None |
| Cap | S$20,000 |
| Schedule By | 31 March 2026, 6 p.m SGT |
| Due Date By | 3 April 2026 |
| Payment Type | One-off payment, or first payment of a recurring series |
| OCBC155 T&Cs | |
New CardUp users (defined as those who have yet to make a first payment on the platform) can use the code OCBC155 to enjoy a 1.55% admin fee on their first payment of any kind.
The payment must be scheduled on CardUp by 31 March 2026, 6 p.m (SGT), with a due date on or before 3 April 2026.
No minimum payment is required, but the maximum payment is capped at S$20,000. The prevailing 2.6% fee will apply to any portion of the payment that exceeds S$20,000.
The code can be used either on a one-off payment, or the first payment of a recurring series.
Income tax payment (1.73%)
|
|
| Code | OCBCTAX173 |
| Card Type | OCBC VOYAGE & Premier Visa Infinite |
| Limit | No limit on redemptions |
| Admin Fee | 1.73% |
| Min. Spend | None |
| Cap | None |
| Schedule By | 31 August 2025, 6 p.m SGT |
| Due Date By | 25 March 2026 |
| Payment Type | One-off or recurring |
| OCBCTAX173 T&Cs | |
New and existing CardUp users can use the code OCBCTAX173 to enjoy a 1.73% admin fee on income tax payments.
The payment must be scheduled on CardUp by 31 August 2025, 6 p.m (SGT), with a due date on or before 25 March 2026.
No minimum payment is required, nor is there any maximum. There is no limit on the number of times each account can use this code.
The code can be used either on a one-off payment, or the first payment of a recurring series.
Recurring payment (1.8%)
|
|
| Code | OCBC18 |
| Card Type | OCBC VOYAGE & Premier Visa Infinite |
| Limit | No limit on redemptions |
| Admin Fee | 1.8% |
| Min. Spend | None |
| Cap | None |
| Schedule By | 31 March 2026, 6 p.m SGT |
| Due Date By | 3 April 2026 |
| Payment Type | Recurring |
| OCBC18 T&Cs | |
New and existing CardUp users can use the code OCBC18 to enjoy a 1.8% admin fee on any recurring CardUp payment.
The payment must be scheduled on CardUp by 31 March 2026, 6 p.m (SGT), with a due date on or before 3 April 2026.
No minimum payment is required, nor is there any maximum. There is no limit on the number of times each account can use this code.
One-off payment (1.95%)
|
|
| Code | OCBC195 |
| Card Type | OCBC VOYAGE & Premier Visa Infinite |
| Limit | No limit on redemptions |
| Admin Fee | 1.95% |
| Min. Spend | None |
| Cap | None |
| Schedule By | 31 March 2026, 6 p.m SGT |
| Due Date By | 3 April 2026 |
| Payment Type | One-off |
| OCBC195 T&Cs | |
New and existing CardUp users can use the code OCBC195 to enjoy a 1.95% admin fee on any one-off CardUp payment.
The payment must be scheduled on CardUp by 31 March 2026, 6 p.m (SGT), with a due date on or before 3 April 2026.
No minimum payment is required, nor is there any maximum. There is no limit on the number of times each account can use this code.
Whatโs the cost per mile?
Hereโs the cost per mile for the OCBC VOYAGE and OCBC Premier Visa Infinite Cards, given their earn rates and the various admin fees.
 |
 |
 |
|
| OCBC VOYAGE (Premier, PPC, BOS) |
OCBC VOYAGE |
OCBC Premier Visa Infinite |
|
| Earn Rate | 1.6 mpd | 1.3 mpd | 1.28 mpd |
| 1.55% fee | 0.95ยข | 1.17ยข | 1.19ยข |
| 1.73% fee | 1.06ยข | 1.31ยข | 1.33ยข |
| 1.8% fee | 1.11ยข | 1.36ยข | 1.38ยข |
| 1.95% fee | 1.20ยข | 1.47ยข | 1.49ยข |
| Both the amount due and the CardUp fee are eligible to earn miles | |||
OCBC 90ยฐN Mastercard and Visa
First payment (1.55%)
|
|
| Code | OCBC90N155 |
| Card Type | OCBC 90ยฐN MC & Visa |
| Limit | No cap on total redemptions, but max 1x per user |
| Admin Fee | 1.55% |
| Min. Spend | None |
| Cap | S$10,000 |
| Schedule By | 31 March 2026, 6 p.m SGT |
| Due Date By | 3 April 2026 |
| Payment Type | One-off payment, or first payment of a recurring series |
| OCBC90N155 T&Cs | |
New CardUp users (defined as those who have yet to make a first payment on the platform) can use the code OCBC90N155 to enjoy a 1.55% admin fee on their first payment of any kind.
The payment must be scheduled on CardUp by 31 March 2026, 6 p.m (SGT), with a due date on or before 3 April 2026.
No minimum payment is required, but the maximum payment is capped at S$10,000. The prevailing 2.6% fee will apply to any portion of the payment that exceeds S$10,000.
The code can be used either on a one-off payment, or the first payment of a recurring series.
Subsequent payments (2%)
|
|
| Code | OCBC90NMC OCBC90NV |
| Card Type | OCBC 90ยฐN MC & Visa |
| Limit | No limit on redemptions |
| Admin Fee | 2% |
| Min. Spend | None |
| Cap | None |
| Schedule By | 31 March 2026, 6 p.m SGT |
| Due Date By | 3 April 2026 |
| Payment Type | One-off payment, or first payment of a recurring series |
| OCBC90NMC/V T&Cs | |
New and existing CardUp users can use the code OCBC90NMC (Mastercard) or OCBC90NV (Visa) to enjoy a 2% admin fee on any CardUp payment.
The payment must be scheduled on CardUp by 31 March 2026, 6 p.m (SGT), with a due date on or before 3 April 2026.
No minimum payment is required, nor is there any maximum. There is no limit on the number of times each account can use this code.
Whatโs the cost per mile?
Hereโs the cost per mile for the OCBC 90ยฐN Mastercard and Visa, given their earn rates and the various admin fees.
|
|
| OCBC 90ยฐN MC/Visa | |
| Earn Rate | 1.3 mpd |
| 1.55% fee | 1.17ยข |
| 2% fee | 1.51ยข |
| Both the amount due and the CardUp fee are eligible to earn miles | |
What can you do with OCBC points?
90ยฐN Miles, VOYAGE Miles and OCBC$ can be converted to nine airline and hotel partners, with a S$25 conversion fee.
| Frequent Flyer Programme | Conversion Ratio (OCBC: Partner) |
|
| 90ยฐN Miles & VOYAGE Miles | OCBC$ | |
 |
1:1 (VOYAGE) |
25,000 : 10,000 |
| 1,000 : 1,000 (90ยฐN) | ||
 |
1,000 : 1,000 | 10,000 : 4,000 |
 |
1,000 : 1,000 | 10,000 : 4,000 |
 |
1,000 : 1,000 | 10,000 : 4,000 |
 |
1,000 : 900 | 10,000 : 3,600 |
 |
1,000 : 900 | 10,000 : 3,600 |
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1,000 : 750 | 10,000 : 2,900 |
 |
1,000 : 700 | 10,000 : 2,800 |
 |
1,000 : 500 | 10,000 : 2,000 |
| All ratios expressed as OCBC points : partner miles/points |
||
Unfortunately, not all conversions take place at the same ratio. Only Flying Blue shares parity with KrisFlyer; the other airlines all involve a haircut of 10-30%. Itโs particularly poor that Asia Miles requires a 25% haircut, when every other bank in Singapore offers transfer parity between KrisFlyer and Asia Miles.
Conclusion
OCBC cardholders can continue to enjoy discounted admin fees ranging from 1.55 to 2% when paying bills with CardUp. There is no cap on redemptions, and the existing customer codes can be used as many times as you wish during the promo period.
The new customer fee is particularly attractive โ even lower than my own MILELION referral code (1.79%) โ so do consider it if you have any upcoming bill payments to make.
[โฆ] Milelion for OCBC [โฆ]