Transparent pricing for all your personal payments

Making payments on CardUp come with no hidden fees. No rude shocks when you receive your card bill!

Make personal payments

from 1.8%

per transaction
✔️ All major cards accepted
✔️ No setup fees
✔️ Customised rates available
See all pricing rates

Manage business payments

from 0%

per transaction
✔️ No setup fees
✔️ Make business expenses
✔️ Collect business payments
Learn more

Pricing by payment type

View the fees for the type of payment you wish to make. Enjoy lowered fees with our ongoing discounts!

13007_Product Benefit Icons_5. Streamline receivables-1

1. Select payment category

Choose the payment type you wish to make from the list below

13007_Product Benefit Icons_7. No limits on credit cards -1

2. Compare card rates

Compare the fee for different cards and check if there are any promotions

13007_Product Benefit Icons_3. Earn rewards -1

3. Set up your payment

Sign in to your account, schedule your payment and enjoy the rewards!

Income tax

If you have a large tax payment, you can write in to us and we'll be happy to review your rates for you. Learn more about all our income tax offers here.

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 1.75%
2.6% 2.25%
Mastercard
2.6% 1.75%
2.6% 2.25%
UnionPay
2.6% 1.75%
2.6% 2.25%
American Express (New-to-CardUp)
2.6% 2.2%
2.6%
-
American Express (Existing users)
2.6% 2.4%
2.6%
-

Rent and rental deposit

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 1.79%
2.6% 1.79%
Mastercard
2.6% 1.79%
2.6% 1.79%
UnionPay
2.6% 1.79%
2.6% 1.79%
American Express
2.6%
-
2.6%
-

Insurance premiums

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 2.25%
2.6% 1.8%
Mastercard
2.6% 2.25%
2.6% 1.8%
UnionPay
2.6% 2.25%
2.6% 1.8%
American Express
2.6%
-
2.6%
-

Education fees

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 2.25%
2.6% 1.8%
Mastercard
2.6% 2.25%
2.6% 1.8%
UnionPay
2.6% 2.25%
2.6% 1.8%
American Express
2.6%
-
2.6%
-

Property tax

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 2.25%
2.6% 1.8%
Mastercard
2.6% 2.25%
2.6% 1.8%
UnionPay
2.6% 2.25%
2.6% 1.8%
American Express
2.6%
-
2.6%
-

Stamp duty

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 2.25%
Not supported
-
Mastercard
2.6% 2.25%
Not supported
-
UnionPay
2.6% 2.25%
Not supported
-
American Express
2.6%
-
Not supported
-

Condo and MCST fees

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 2.25%
2.6% 1.8%
Mastercard
2.6% 2.25%
2.6% 1.8%
UnionPay
2.6% 2.25%
2.6% 1.8%
American Express
2.6%
-
2.6%
-

Car loans

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 2.25%
2.6% 1.8%
Mastercard
2.6% 2.25%
2.6% 1.8%
UnionPay
2.6% 2.25%
2.6% 1.8%
American Express
2.6%
-
2.6%
-

Season parking

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 2.25%
2.6% 1.8%
Mastercard
2.6% 2.25%
2.6% 1.8%
UnionPay
2.6% 2.25%
2.6% 1.8%
American Express
2.6%
-
2.6%
-

Electricity

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 2.25%
2.6% 1.8%
Mastercard
2.6% 2.25%
2.6% 1.8%
UnionPay
2.6% 2.25%
2.6% 1.8%
American Express
2.6%
-
2.6%
-

Helper salary

When setting up your helper salary payment, select it under 'Miscellaneous Payments'.

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 2.25%
2.6% 1.8%
Mastercard
2.6% 2.25%
2.6% 1.8%
UnionPay
2.6% 2.25%
2.6% 1.8%
American Express
2.6%
-
2.6%
-

All other payments

When setting up other payment types not found in the list above, select them under 'Miscellaneous Payments'. You can also get in touch with us here if you're unsure if you can make a payment through our platform.

Card type One-off payment Promo code Recurring payment Promo code
Visa
2.6% 2.25%
2.6% 1.8%
Mastercard
2.6% 2.25%
2.6% 1.8%
UnionPay
2.6% 2.25%
2.6% 1.8%
American Express
2.6%
-
2.6%
-

Frequently Asked Questions

Why does CardUp charge a fee?

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

What is the CardUp fee for using international cards?