Terms and Conditions for Homeowner 2025 Flash Deal ("Promotion")

Eligibility to utilise Homeowner promo code FLASH175R (Ends 26 December 2025)

1. Targeted CardUp users with a Personal account ("Targeted Users") are eligible to enjoy a discounted fee of 1.75% on up to three (3) recurring payment categories ("Offer") in accordance with the following terms and conditions.
   
   

2. The Offer is valid

   (a) on the following eligible payment categories ("Eligible Categories")

     (a.1) Mortgage
     (a.2) Car Loan
     (a.3) Car Rental/Leasing
     (a.4) Condo MCST
     (a.5) Education
     (a.6) Rent
     (a.7) Renovation
     (a.8) Property Tax
     (a.9) Helper Salary 

   (b) to be redeemed up to three (3) times per user in the Eligible Categories. For clarity, the Offer can be redeemed on the same Eligible Categories within the Offer Period, defined herein.
   
   (c) where each redemption is applicable on up to the first 2 payments in a recurring series ("Offer Limit"). The prevailing 2.6% fee will apply, should the number of payments in the same recurring series exceed the Offer Limit. In the avoidance of doubt, the Offer cannot be applied to an existing recurring series where the payment is beyond the second transaction in the series. 

   (d) on payments must be set up between 18 November 2025 and 26 December 2025, 6pm SGT, both dates inclusive ("Offer Period") 

   (e) with a Singapore-issued Visa Card

   
   
3. Payment Set Up
   (a) The payment due date must be on or before 31 December 2025 ("Last Due Date"). Payments must be scheduled at least three (3) business days before the due date to allow for processing.
   (b) The Targeted Users must enter the FLASH175R during the “Schedule payment” process when setting up payment details. The discounted fee will be reflected before the User confirms and submits the payment.
   (c) The User is not permitted to prepay or overpay the amount owed to the recipient according to the payment reference documents provided. All payments are subject to review, and additional documents may be requested.
   
   
4. Payment Review
   

   (a) All payments are subject to review, and additional documents may be requested to support the review.
   (b) The Targeted Users must provide accurate references and documents to support the payment.
   (c) CardUp shall not be held liable for any delays in payment processing or fee refund resulting from the User's failure to provide sufficient documentation.
   
   
   

5. The Offer is not valid:
    (a) on payments set up after the Offer Period, or with due dates beyond the Last Due Date.
    (b) on any business payment categories or personal payment categories outside of the Eligible Categories
    (c) on one-off payments in the Eligible Categories
    (d) with Mastercard, American Express credit cards, debit/preloaded cards or credit cards issued outside of Singapore.
    (e) on any additional fees incurred for Next Day payments.
    (f) on any payments in foreign currency.
    (g) in conjunction with any other promotions, offers, or discounts.
   
   
6. For card rewards eligibility and exclusion, refer to our FAQ here.

Important Note

As per CardUp 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.