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
*Payment for the provision of goods and services, agent fees, and other categories subject to CardUp’s approval

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 miles 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 AMEX only (excluding DBS/UOB-issued AMEX)

For OCBC only

Details: CardUp promo codes for 2025

For all banks

Homeowner recurring payments (From 1.73%)

Code	3HOME25R
Limit	3x redemptions per user, no cap on overall redemptions
Admin Fee	1.73%-1.83%
Min. Spend	None
Cap	None
Schedule By	26 December 2025
Due Date By	31 December 2025
Validity	Visa
3HOME25R T&Cs

CardUp users can use the promo code 3HOME25R to enjoy a 1.73-1.83% fee on recurring home payment categories scheduled by 26 December 2025, with due dates on or before 31 December 2025.

Home payment categories are defined as the following:

Here’s the catch though: the offer is only valid for new recurring payment categories. What this means is that you must not have scheduled a payment in that particular category before. So if I’ve paid Condo MCST fees via CardUp previously, for example, I won’t enjoy the discounted fee for this category.

Customers will enjoy a 1.83% fee on the first new recurring payment category, 1.78% for the second, and 1.73% for the third. The fee is valid for the first three payments of the recurring series. 

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

Homeowner recurring payments (1.75%)

Code	FLASH175R
Limit	3x redemptions per user, no cap on overall redemptions
Admin Fee	1.75%
Min. Spend	None
Cap	None
Schedule By	26 December 2025
Due Date By	31 December 2025
Validity	Visa
FLASH175R T&Cs

CardUp users can use the promo code FLASH175R to enjoy a 1.75% fee on recurring home payment categories scheduled by 26 December 2025, with due dates on or before 31 December 2025.

Home payment categories are defined as the following:

The fee is valid for the first two payments in a recurring series, and the code can be redeemed up to three times per user. Do note that this is a targeted offer, so your account may not be eligible. It doesn’t hurt to try!

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

Recurring tax payments (1.75%)

Code	VTAX25R
Limit	2x redemptions per user, no cap on overall redemptions
Admin Fee	1.75%
Min. Spend	None
Cap	None
Schedule By	31 December 2025
Due Date By	25 March 2026
Validity	Visa, UnionPay
VTAX25R T&Cs

CardUp users can use the promo code VTAX25R to enjoy a 1.75% fee on recurring tax payments scheduled by 31 December 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.

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 to enjoy a 1.85% fee on recurring payments 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. 

Renovation (2%)

Code	RENO25ONE
Limit	1x redemption per user, no cap on overall redemptions
Admin Fee	2%
Min. Spend	None
Cap	S$20,000
Schedule By	26 December 2025
Due Date By	31 December 2025
Validity	Visa
RENO25ONE T&Cs

CardUp users can use the promo code RENO25ONE to enjoy a 2% fee on one-off renovation payments scheduled by 26 December 2025, with due dates on or before 31 December 2025.

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

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 property tax, income tax and stamp duty) 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 (1.55-2%)

OCBC cardholders can enjoy admin fees of 1.55-2% 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

	OCBC 90°N MC/Visa
Earn Rate	1.3 mpd
1.55% fee	1.17¢
2% fee	1.51¢
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%

Special rates for AMEX cards (1.8-2.1%)

AMEX cardholders can enjoy admin fees of 1.8-2.1% with CardUp, depending on whether they’re a new or existing CardUp user.

Card	Earn Rate	Cost Per Mile (1.8% fee)	Cost Per Mile (2.1% fee)
AMEX Solitaire PPS Card	1.3 mpd	1.36¢	1.58¢
AMEX PPS Card	1.3 mpd	1.36¢	1.58¢
AMEX KrisFlyer Ascend	1.2 mpd	1.47¢	1.71¢
AMEX KrisFlyer Credit Card	1.1 mpd	1.61¢	1.87¢
AMEX Centurion	0.98 mpd	1.80¢	2.10¢
AMEX Platinum Charge	0.78 mpd	2.27¢	2.64¢
AMEX Platinum Credit Card	0.69 mpd	2.56¢	2.98¢
AMEX Platinum Reserve	0.69 mpd	2.56¢	2.98¢

Do note that this offer is only valid for AMEX cards issued by American Express, and not DBS or UOB.

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

CardUp x AMEX promo: Buy miles from 1.36 cents

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 BOC and HSBC. 

Q: Do CardUp payments count towards minimum spend for welcome offers?

A: Again, yes. The two exceptions are BOC and 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.