Turn life's expenses
into life experiences
Earn miles, points & cashback on local & overseas payments currently made by cash, cheque or bank transfers, even where credit cards are not accepted.
![Visa](https://www.cardup.co/hubfs/Rounded-Visa-2.png)
![Mastercard](https://www.cardup.co/hubfs/Rounded-MC-1.png)
![Amex](https://www.cardup.co/hubfs/Rounded-Amex-1.png)
![China UnionPay](https://www.cardup.co/hubfs/Rouned-UnionPay-1-1.png)
![Schedule a payment through CardUp on your laptop, mobile, or any device](https://www.cardup.co/hubfs/%5BL+P%5D%20B2C%20SG%20Payment%20Type.png)
Pay virtually any of life's expenses by card
Earn miles, points and cashback on these payment types traditionally not payable by card.
![Pay renovation, construction, interior design and more](https://www.cardup.co/hs-fs/hubfs/renovation-1.png?width=75&name=renovation-1.png)
Renovation
NEW!
![Pay rent and rental deposit](https://www.cardup.co/hs-fs/hubfs/12417_Brand-Icons_1.-Rent.png?width=75&name=12417_Brand-Icons_1.-Rent.png)
Rent and rental deposit
![Pay education fees](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-education-icon.png?width=75&name=Payment-type-education-icon.png)
Education
![Pay insurance](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-Insurance-icon.png?width=75&name=Payment-type-Insurance-icon.png)
Insurance
![Pay condominium fees](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-condo-fees-icon.png?width=75&name=Payment-type-condo-fees-icon.png)
Condo and MCST fees
![Pay your income tax, property tax, corporate tax and more](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-tax-icon.png?width=75&name=Payment-type-tax-icon.png)
Taxes
![Pay car loan](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-car-loan-icon-1.png?width=75&name=Payment-type-car-loan-icon-1.png)
Car loan
![Pay mortgage payment](https://www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_1.%20House.png?width=75&name=12417_Brand%20Icons_1.%20House.png)
Mortgage
![Pay payroll](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-Payroll-icon.png?width=75&name=Payment-type-Payroll-icon.png)
Helper salary
![Pay stamp duty](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-stamp-duty-icon.png?width=75&name=Payment-type-stamp-duty-icon.png)
Stamp duty
![Pay season parking](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-season-parking-icon.png?width=75&name=Payment-type-season-parking-icon.png)
Season parking
![Pay electricity bill](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-electricity-icon.png?width=75&name=Payment-type-electricity-icon.png)
Electricity bills
How it works
![Review payment details and final payment amount, and pay with your credit card Review payment details and final payment amount, and pay with your credit card](https://www.cardup.co/hs-fs/hubfs/2.%20Business%20payment-step-v2.gif?width=1200&name=2.%20Business%20payment-step-v2.gif)
1. Set up your payment
Sign up for free. Enter the payment details. The payment is charged to your card with a small fee. You can pay anyone, even if they don't use CardUp.
![Pay using your credit card through CardUp, and CardUp transfer the payment to recipient via bank transfer Pay using your credit card through CardUp, and CardUp transfer the payment to recipient via bank transfer](https://www.cardup.co/hubfs/General-step-2.gif)
2. Your recipient gets paid
Once your payment is scheduled, your recipient receives the funds via bank transfer in as quickly as one business day.
![Enjoy cash back into bank, and credit card miles for next flight Enjoy cash back into bank, and credit card miles for next flight](https://www.cardup.co/hs-fs/hubfs/1.-General-step-3-1.gif?width=1000&height=1000&name=1.-General-step-3-1.gif)
3. Sit back and earn rewards
Sit back, relax and earn the rewards on your favourite credit cards from these payments. Here's to more miles, points and cashback!
Want to use CardUp for your business expenses?
We've got your payroll, supplier invoices and more covered. Let's get down to business.
CardUp supports cards from all major banks and issuers
![American Express Logo](https://www.cardup.co/hubfs/card%20logos/AMEX_1600x1600%20-%202019.png)
![Bank of China Logo](https://www.cardup.co/hubfs/BOC%20Logo.png)
![CIMB Bank Logo](https://www.cardup.co/hubfs/CIMB%20Logo-cropp.png)
![Citibank Logo](https://www.cardup.co/hubfs/Citibank%20Logo.png)
![DBS Logo](https://www.cardup.co/hubfs/DBS%20Logo.png)
![HSBC Logo](https://www.cardup.co/hubfs/HSBC%20Logo.png)
![Maybank Logo](https://www.cardup.co/hubfs/Maybank%20Logo.png)
![OCBC](https://www.cardup.co/hubfs/logo_ocbc.png)
![POSB Logo](https://www.cardup.co/hubfs/POSB%20Logo.png)
![Standard Chartered Bank Logo](https://www.cardup.co/hubfs/SCB%20Logo-cropp.png)
![UOB Logo](https://www.cardup.co/hubfs/UOB%20Logo.png)
![Grab Logo](https://www.cardup.co/hubfs/Grab%20Logo-short.png)
![Woman at home with coffee, enjoying benefits earned from payments](https://www.cardup.co/hubfs/Website-Images-personal-pricing-2.png)
Small fees. Big rewards
To enable card payments in areas where cards are traditionally not accepted, CardUp charges a small fee per transaction that can be easily outweighed by your card rewards earned.
The smartest way to earn more rewards
MAKING PAYMENTS
![Calculate rewards earned from paying expenses through credit card](https://www.cardup.co/hubfs/Home-5a-value-prop-earn-rewards-2.gif)
RECURRING PAYMENTS
Set up once, earn on repeat
Weekly, monthly or even fortnightly payments? Easily schedule a year's worth of payments in minutes and never worry about late payment fees again. Sit back, relax and watch your rewards roll in.
![Schedule all your credit card payments at once and earn rewards automatically](https://www.cardup.co/hubfs/Home-5b-value-prop-recurring-payment-2-1.gif)
![Man introduces friends to a payment platform that maximise rewards on credit card](https://www.cardup.co/hubfs/Refer-a-friend-program-2.gif)
REFERRAL PROGRAM
Even more features to transform the way you pay
![View all payments on one online dashboard](https://www.cardup.co/hubfs/13007_Product%20Benefit%20Icons_20.%20Rewards%20calculator.png)
Dashboard monitoring
See all past and upcoming scheduled payments on one page
![Get real-time updates easily](https://www.cardup.co/hubfs/13007_Product%20Benefit%20Icons_11.%20Real%20time%20updates.png)
Real-time updates
Receive payment status updates and alerts via email and SMS
![Add multiple credit cards on CardUp platform](https://www.cardup.co/hubfs/13007_Product%20Benefit%20Icons-Add%20multiple%20cards.png)
Manage multiple cards
Add multiple cards and choose the right card for each payment type
Security is at the core of our platform
![PCI-DSS and Monetary Authority of Singapore (MAS) Logo](https://www.cardup.co/hubfs/PCI-DSS%20and%20MAS.png)
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. This means that our platform meets the highest security standards to ensure that your payments are safe.
Join the tens of thousands of customers already earning rewards
![Star rating w text-new](https://www.cardup.co/hubfs/Star%20rating%20w%20text-new.png)
"We pay our rent, taxes and everything we can through CardUp, which maximises our credit card miles, and even for us to go Iceland and back on points this summer."
![barry](https://www.cardup.co/hubfs/barry.png)
Barry and Laura
Pays rent, insurance and taxes
"Skiing with our kids was the highlight of our year. We used the reward miles earned to fly to Switzerland, all thanks to CardUp!"
![Ashley O Reilly](https://www.cardup.co/hubfs/Ashley%20O%20Reilly.png)
The O'Reilly Family
Pays rent and taxes
"Using CardUp let me enjoy direct savings on my payments through the cashback earned. By setting them up on repeat, I'm essentially getting a discount on my payments!"
![Personal-Jonathan](https://www.cardup.co/hubfs/Personal-Jonathan.jpg)
Jonathan Tan
Pays car loan, insurance and helper salary
![Friends happy from earning rewards on their rent, insurance and other payments](https://www.cardup.co/hubfs/happy-girls-laptop-3.png)
Have questions about using our platform?
What payments can I make with CardUp?
Our platform lets you shift payments currently made by cash, cheque or bank transfers onto your credit cards, even where cards are not accepted. These include payments such as rent, income tax school fees, insurance premiums and more. You can view the full list of accepted payments 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 5% cashback) on most credit cards, including for payments such as insurance premiums and taxes.
This includes all of these popular credit cards listed here.
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.
Our rewards calculator will help you calculate the miles or cashback earned based on the credit card used and amount spent. Here's an example of how you can redeem a business class return ticket to Japan worth $4,000 at only $1,480!
![Woman making digital payment with credit card through laptop](https://www.cardup.co/hubfs/Website-Images-personal-endCTA-1.png)
Maximise your credit card rewards today
Join the tens of thousands of customers who have already earned millions of air miles with CardUp