Transparent pricing for all your personal payments
No hidden fees. No rude shocks when you receive your card bill!
Pricing by payment type
We charge a small fee to securely process your payments: 2.6% for Singapore-issued cards and 3.3% for Internationally-issued cards. However, check below to see our latest promotions to save on fees!
1. Select payment category
Choose the payment type you wish to make from the list below
2. Compare card rates
Compare the fee for different cards and check if there are any promotions
3. Set up your payment
Sign in to your account, schedule your payment and enjoy the rewards!
More savings with these promotions
Limited time offer
Rent Payments
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Use code SAVERENT179
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Singapore-issued Visa, Mastercard, China UnionPay cards
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Domestic rent payments only
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End 31 January 2026
One-off Payments
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Use code OFF225
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Singapore-issued Visa, Mastercard, China UnionPay cards
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Domestic and International payments. Excluding taxes
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End 31 January 2026
One-off and Recurring Property and Stamp Duty
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Use code 18TAX26
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Singapore-issued Visa credit cards
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Property Tax, Stamp Duty
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End 31 March 2026
Recurring Income Tax
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Use code 18VTAX26
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Singapore-issued Visa credit cards
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Income Tax
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End 22 March 2026
Homeowner Recurring Payments
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Use code 3HOME26R
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3-tier discounted fee from 1.77% on recurring payments
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Mortgage, Car Loan, Car Rental/Leasing, Condo MCST, Education, Rent, Renovation, Season Parking, Property Tax, Helper Salary
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Singapore-issued Visa cards
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Ends 30 June 2026
One-Off Renovation Payment
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Use code RENO26ONE
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Singapore-issued Visa cards
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Ends 30 June 2026
All Users Offer
Rent Payments
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Use code RENT183
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Singapore-issued Visa, China UnionPay cards
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Domestic rent payments only
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End 31 January 2027
Recurring Payments
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Use code REC185
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Singapore-issued Visa cards
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All domestic payment categories
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Ends 31 January 2027
All Payments
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Use code OFF235
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Singapore-issued Visa, Mastercard, China UnionPay cards, American Express cards
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Domestic payments only. Excluding taxes
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End 31 January 2027
International Payments
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No processing fee
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Bank Transfer only
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All payments in foreign currency
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International Payments
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Use code GLOBE185
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Singapore-issued Visa cards only
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All payments in foreign currency
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Ends 31 January 2027
Exclusive Bank Partners Offers
First Payment
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Use code OCBC155
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OCBC VOYAGE & Premier Visa Infinite Cards only
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First domestic or international payment up to S$20,000
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Ends 31 March 2026
Income Tax Payment
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Use code OCBCTAX173R
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OCBC VOYAGE & Premier Visa Infinite Cards only
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Valid on all recurring income tax payment
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Ends 20 March 2026
Recurring Payment
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Use code OCBC18
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OCBC VOYAGE & Premier Visa Infinite Cards only
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All domestic and international payments
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Ends 31 March 2026
One off Payment
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Use code OCBC195
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OCBC VOYAGE & Premier Visa Infinite Cards only
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All domestic and international payments
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Ends 31 March 2026
First Payment
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Use code OCBC90N155
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OCBC 90°N Cards only
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First domestic or international payment up to S$10,000
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Ends 31 March 2026
Subsequent Payments
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Use code OCBC90NV
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OCBC 90°N Visa Cards only
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All domestic and international payments
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Ends 31 March 2026
Subsequent Payments
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Use code OCBC90NMC
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OCBC 90°N Mastercard Cards only
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All domestic and international payments
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Ends 31 March 2026
Frequently Asked Questions
Why does CardUp charge a fee?
The CardUp fee covers the processing costs to the card-issuing banks and network providers for each transaction made. The fee also ensures our platform remains secure for your everyday use.
A standard 2.6% CardUp fee applies for, payments using domestic credit cards. However, applicable promo codes can be applied for lowered fees.
What is the fee for using international cards?
For Visa/Mastercard/American Express/UnionPay credit cards issued outside Singapore:
- A 3.3% fee applies on each transaction
- Promotional codes are not eligible for use on payments made with credit cards issued outside of Singapore.
- For payments of $1,000 or less, a minimum CardUp fee of $33 applies
Can the rewards earned on my card outweigh the CardUp fee?
Yes! By earning miles, points on cashback on these payments you're currently already making via cash, cheque or bank transfer, you'll now be able to maximise your rewards earned. This lets you save up over 50% on the price of a business class flight ticket with the miles earned, or get rebates directly via cashback! Learn more 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.