Full list of CardUp promo codes for 2025

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 that are normally excluded from rewards.

While CardUp normally charges an admin fee of up to 2.6%, this can be reduced with various ongoing promotions.

In this post, I’ll share the full list of CardUp promo codes you can use to save on fees.

How does CardUp work?

💳 CardUp Supported Payments
Car Loans Car Rental & Leasing Condo & MCST Education Electricity (except SP Group) Helper Salary Insurance (except NTUC Income)	Miscellaneous Mortgage Loans Property Agent Fee Renovation Rent Season Parking (except HDB) Taxes

Here’s how CardUp works:

1. You submit a payment request
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, including the admin fee, and the cost per mile is the admin fee divided by the number of miles earned. 

Summary: 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. 

For all banks

For OCBC only

Details: CardUp promo codes for 2025

For all banks

One-off tax payments (1.55%)

Code	MCTAX25N
Limit	1x redemption per user, 300 redemptions overall
Admin Fee	1.55%
Min. Spend	None
Cap	S$3,500
Schedule By	31 August 2025
Due Date By	3 September 2025
Validity	Mastercard
MCTAX25N T&Cs

New CardUp users can use the promo code MCTAX25N to enjoy a 1.55% fee on one-off tax payments scheduled by 31 August 2025, with due dates on or before 3 September 2025. 

There is a maximum payment cap of S$3,500, and an overall redemption cap of 300 uses. Each customer may use the promo code once. 

This code is valid for all locally-issued Mastercards.

One-off or recurring tax payments (1.67%)

Code	MCTAX25
Limit	1x redemption per user, 1,500 redemptions overall
Admin Fee	1.67%
Min. Spend	None
Cap	S$5,000
Schedule By	31 August 2025
Due Date By	3 September 2025
Validity	Mastercard
MCTAX25 T&Cs

CardUp users can use the promo code MCTAX25 to enjoy a 1.67% fee on one-off or recurring tax payments scheduled by 31 August 2025, with due dates on or before 3 September 2025. 

There is a maximum payment cap of S$5,000, and an overall redemption cap of 1,500 uses. Each customer may use the promo code once. 

This code is valid for all locally-issued Mastercards.

Recurring tax payments (1.75%)

Code	MLTAX25R
Limit	2x redemptions per user, no cap on overall redemptions
Admin Fee	1.75%
Min. Spend	None
Cap	None
Schedule By	31 August 2025
Due Date By	25 March 2026
Validity	Visa, UnionPay
MLTAX25R T&Cs

CardUp users can use the promo code MLTAX25R to enjoy a 1.75% fee on recurring tax payments scheduled by 31 August 2025, with due dates on or before 25 March 2026.

Each user can redeem this promo code a maximum of twice.

This code is valid for all locally-issued Visa or UnionPay cards.

One-off tax payments (1.75%)

Code	VTAX25ONE
Limit	2x redemptions per user, no cap on overall redemptions
Admin Fee	1.75%
Min. Spend	None
Cap	None
Schedule By	23 May 2025
Due Date By	26 May 2025
Validity	Visa, UnionPay
VTAX25ONE

CardUp users can use the promo code VTAX25ONE to enjoy a 1.75% fee on one-off tax payments scheduled by 23 May 2025, with due dates on or before 26 May 2025.

Each user can redeem this promo code a maximum of twice.

This code is valid for all locally-issued Visa or UnionPay cards.

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 December 2025
Due Date By	5 January 2026
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 December 2025, with due dates on or before 5 January 2026.

This code is valid for all locally-issued Visa cards.

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.

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 (except 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.

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. 

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 (excluding tax) 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. 

Special rates for OCBC cards (1.55-1.95%)

OCBC cardholders can enjoy admin fees of 1.55-1.95% with CardUp, depending on card and whether they’re a new or existing CardUp user.

	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	0.95¢	1.17¢	1.19¢
1.73% fee	1.06¢	1.31¢	1.33¢
1.8% fee	1.11¢	1.36¢	1.38¢
1.95% fee	1.20¢	1.47¢	1.49¢
Both the amount due and the CardUp fee are eligible to earn miles

For more details on the OCBC offers, refer to this post. 

CardUp x OCBC: Pay bills with discounted fees starting from 1.55%

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 S$100 with a promotional fee of 1.99%. The total amount charged to your card is S$101.99, and you’ll earn miles based on S$101.99 of spending.

Conclusion

CardUp’s 2025 promo codes allow cardholders to save on fees when paying taxes, rent, or many other one-off or recurring payments.

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.