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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.

China UnionPay
Schedule a payment through CardUp on your laptop, mobile, or any device

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


Pay rent and rental deposit

Rent and rental deposit

Pay education fees


Pay insurance


Pay condominium fees

Condo and MCST fees

Pay your income tax, property tax, corporate tax and more


Pay car loan

Car loan

Pay mortgage payment


Pay payroll

Helper salary

Pay stamp duty

Stamp duty

Pay season parking

Season parking

Pay electricity bill

Electricity bills

How it works

Review payment details and final payment amount, and pay with your credit card
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
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
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!

Wondering how much CardUp can help you save on your next flight?

Use our free rewards calculator to see how much miles you can earn!

Rewards Calculator >
Rewards calculator

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
Bank of China Logo
CIMB Bank Logo
Citibank Logo
DBS Logo
Maybank Logo
Standard Chartered Bank Logo
UOB Logo
Grab Logo
Woman at home with coffee, enjoying benefits earned from payments

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.

See our current promotion here

The smartest way to earn more rewards


Earn more rewards on more payments

Shift your cash and cheque payments onto your credit cards with CardUp, even if your recipients do not accept cards. This lets you rack up miles, points cashback on payments you're already making.

Calculate rewards earned from paying expenses through credit card
Shift any domestic or international payments onto your credit card and earn rewards around the world


Pay overseas without breaking the bank

Enjoy market-leading exchange rates, no hidden markups and low-to-no processing fees. Pay via bank transfer or credit card (rewards eligible!), it’s your choice!
Learn more >


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
Man introduces friends to a payment platform that maximise rewards on credit card


Share your love of card rewards

Get up to S$4,000 off your CardUp fees when you refer friends or businesses to our platform. They get up to S$200 off their first payment and also start earning credit card rewards where they couldn't previously!

Even more features to transform the way you pay

Calculate credit card rewards

Rewards calculator

Calculate the rewards you can earn for different card types

Pay using credit card within next day

Next Day payment

Make urgent payments in as quickly as one business day

CardUp's reliable customer support agent

Reliable support

Get friendly support from our team every step of the way

View all payments on one online dashboard

Dashboard monitoring

See all past and upcoming scheduled payments on one page

Get real-time updates easily

Real-time updates

Receive payment status updates and alerts via email and SMS

Add multiple credit cards on CardUp platform

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

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

"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 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

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!"


Jonathan Tan
Pays car loan, insurance and helper salary

Friends happy from earning rewards on their rent, insurance and other payments

Have questions about using our platform?

What payments can I make with CardUp?

Will I earn rewards on my credit card for payments made through CardUp?

How will the rewards earned outweigh the CardUp fee?

Woman making digital payment with credit card through laptop

Maximise your credit card rewards today

Join the tens of thousands of customers who have already earned millions of air miles with CardUp