CardUp offering 1.77% “follow-up fee” for personal payments

Back in April, CardUp launched its promotions for the 2026 income tax season, which featured a 1.73% and 1.7% fee for one-off and recurring tax payments respectively. 

If you’ve finished utilising these promotions, CardUp is now running a follow-up offer which features a 1.77% fee for either one-off or recurring payments. This could very well be the last tax promotion before CardUp hikes its service fees across the board from 13 June 2026, so it might warrant some consideration. 

CardUp offering 1.77% payment fee

Code	177BONUS
Limit	2x redemptions per user; no overall redemption cap
Admin Fee	1.77%
Min. Spend	None
Cap	None
Schedule By	9 June 2026, 6 p.m (SGT)
Due Date	12 June 2026
Eligible Cards	Visa, UnionPay
Eligibility	New & Existing users
177BONUS T&Cs

CardUp customers who have completed an income tax payment between 14 April to 9 June 2026 are eligible for a 1.77% fee on one-off and recurring personal payments, using the promo code 177BONUS.

This code is valid for up to two redemptions per user, for payments that are:

• Scheduled by 9 June 2026, before 6 p.m
• With due dates on or before 12 June 2026

There is no minimum or maximum amount that can be paid, though all payments must be made with a Singapore-issued Visa or UnionPay card.

If you completed your tax payment recently, your account may not yet be eligible for the 177BONUS code. According to the T&Cs, the code is meant to be sent out within seven business days, so give it some time and try again.

What’s the cost per mile?

Here’s the cost per mile for various Visa cards in Singapore, given their earn rates and a 1.77% admin fee.

Card	Earn Rate	Cost Per Mile (1.77% fee)
DBS Insignia Card Apply	1.6 mpd	1.09¢
UOB Reserve Card Apply	1.6 mpd	1.09¢
OCBC VOYAGE Card (Premier, PPC, BOS) Apply	1.6 mpd	1.09¢
Citi ULTIMA Card Apply	1.6 mpd	1.09¢
DBS Vantage Card Apply	1.5 mpd	1.16¢
StanChart Visa Infinite Card Apply	1.4 mpd^	1.24¢
UOB PRVI Miles Visa Card Apply	1.4 mpd	1.24¢
UOB Visa Infinite Metal Card Apply	1.4 mpd	1.24¢
OCBC VOYAGE Card Apply	1.3 mpd	1.34¢
OCBC 90°N Visa Card Apply	1.3 mpd	1.34¢
DBS Altitude Visa Card Apply	1.3 mpd	1.34¢
OCBC Premier Visa Infinite Card Apply	1.28 mpd	1.36¢
Citi PremierMiles Visa Card	1.2 mpd	1.45¢
Maybank Visa Infinite Card Apply	1.2 mpd	1.45¢
StanChart Journey Card Apply	1.2 mpd	1.45¢
*Capped at S$1,000 per calendar month, after which 0.4 mpd ^With a minimum spend of S$2,000 per statement month, otherwise 1 mpd. CardUp payments count towards minimum spend

To illustrate how this works, suppose you have a S$1,000 bill and make a one-off payment with CardUp using a 1.77% code:

• S$1,017.70 will be charged to your credit card (S$1,000 bill + 1.77% fee)
• Assuming a 1.4 mpd card, you will earn 1,425 miles (S$1,017.70 x 1.4 mpd; ignoring rounding)
• Given a S$17.70 fee, the cost per mile is 1.24 cents each (S$17.70/1,425 miles)

Remember, both the bill payment amount and the CardUp fee are eligible to earn miles.

Conclusion

CardUp customers who have completed tax payments since 14 April 2026 will be able to make additional personal payments with a 1.77% fee.

However, these payments must be completed by 9 June 2026, so there isn’t a lot of time to act. Remember, CardUp will revise its service fees from 13 June 2026, and we don’t know yet what it will look like (though I’m quite certain it won’t be lower!).