Earn card rewards and extend payment terms for your renovation bills
Pay your home furnishing, renovation contractors or interior designers with your existing credit card via CardUp to defer the actual cash outflow and earn air miles, points, or cashback!





"We pay our rent, taxes and everything we can through CardUp, which maximises our credit card miles. This has helped us with our many vacations including to Iceland and back!"

Barry and Laura | Made rent & IRAS income tax payments on CardUp

How many air miles can you earn?
Pay
Nick uses his credit card on CardUp to pay his renovation payments like home furnishing, interior design and electrical installation amounting to S$65,760 yearly
Earn
His card rewards him with 1.4 miles per dollar spent, earning him 93,675.12 miles for these payments
Redeem
Nick is able to take off on a business class flight to Tokyo worth $4,000 at only $1,151 in CardUp fees* - that's 63% in savings!
*CardUp charges a small processing fee to enable payments in area where cards a not accepted so you can earn rewards on the. Apply promo code below for more savings!
How it works

1. Set up payment
Enter your renovation payment and ID/Contractor details - even if they don't use CardUp.

2. Credit card charged
Your payment is charged to your card with a small fee. Your recipient receives the funds via bank transfer within 3 business days.

3. Earn rewards
Your renovation payment just earned you card rewards that you’d miss out on with bank transfers. Plus, you get to defer your cash outflow until your card bill is due.
Small fees. Big rewards
While the rewards earned can easily outweigh the small fees, save even more with these offers!
First Payment
Recurring Payments
See other ongoing promotions here

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CardUp supports cards from all major banks and issuers












All payments made with CardUp meet the highest security standards
We are licensed by the Monetary Authority of Singapore (MAS) and keep your data safe with our PCI-DSS compliant and 256-bit encrypted platform.

You can also pay these expenses on CardUp
Earn miles, points & cashback on local & overseas payments currently made by cash, cheque or bank transfers, even where credit cards are not accepted. These include:

Rent and rental deposit

Education

Insurance

Condo and MCST fees

Income tax

Car loan

Mortgage

Helper salary

Stamp duty

Season parking

Electricity bills

Property tax
Have questions about earning card rewards using CardUp?
What payments can I make with CardUp?
You can shift payments currently made by cash, cheque or bank transfers onto your cards using CardUp, even where cards are not accepted.
This includes payments such as:
- Rent
- Condo / MCST fees
- Education fees
- Insurance premiums
- Income tax
- Car loans
- Payroll
- Supplier invoices
You can view the full list here.
Will I earn rewards on my credit card for payments made through CardUp?
All spend made using a Singapore-issued card on your CardUp-registered account are eligible for the base earn rate* of miles (up to 1.6 miles per dollar), points or cashback (up to 3% cashback) on most credit cards, including for payments such as insurance premiums and taxes.
See the popular credit cards and cards that are not eligible here.
Important Note
As per our Terms of Service Clause 14, CardUp does not issue Payment Cards or operate a rewards programme. You are responsible for understanding the rewards programme associated with your Payment Card. We include updates on changes to card issuer reward programmes in our promotional material. We rely on the information provided to us by card issuers and make reasonable efforts to keep all such promotional marketing accurate and up to date. However, we accept no liability or responsibility for the information provided by a payment card issuer, including if it is complete, correct, and up to date, and that we have understood it correctly and completely. Always refer back to your bank/issuer card rewards eligibility and terms & conditions for the latest updates on the earn rates.
How will the rewards earned outweigh the CardUp fee?
Rest assured for many credit cards in Singapore, the value of the rewards gained will outweigh our fees.
You can visit this link for an example taking you through how monthly payments of $5,480 can help you redeem a return business class flight to Tokyo, Japan (worth $4,000) at just $1,480 in fees!

Earn rewards on your renovation bills today
Be part of the thousands who earn rewards using CardUp.