Terms and Conditions for Renovation and Home Bundle Promotion 

1. CardUp users with a Personal account ("Users") are eligible to enjoy 2.0% CardUp fee on one-off renovation payments  ("Offer") in accordance to the following terms and conditions.
   
   
2. The Offer is valid
   (a) for unlimited redemption per User on all one-off renovation payment "Eligible payment Category"
   (b) with a Singapore-issued Visa credit card
   (c) up to payment up to S$20,000. Prevailing fee of 2.6% applies after offer limit
   (d) on payments scheduled on or before 26 December 2025, before 6pm (SGT) ("Offer Period")
   
   
3. Payment Set Up
   (a) The payment due date must be on or before 31 December 2025 ("Last Due Date"). The payment due date is the last date the payment must arrive at the recipient. The payments must be scheduled at least 3 business days before the due date to allow processing time.
   
   (b) The User must enter promo code RENO25ONE during “Schedule payment” process when setting up payment details. The discounted fee for the eligible payments will be reflected before User confirms and submits payment.
   
   (c) The User is not permitted to prepay or overpay the amount owed to the recipient in accordance with the payment reference documents provided.
   
   
4. Payment Review
   (a) All payments are subject to review and additional documents may be requested to support the review.
   (b) The User must provide all 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 payment set up after Offer Period, or have a due date beyond the Last Due Date
   (b) on personal and business payment outside of the eligible payment category
   (c) for any recurring payments 
   (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.

1. Eligibility for Offer

CardUp users with a Personal account ("Users") are eligible to enjoy a 3-tier discounted CardUp fee on up to three (3) new recurring payment categories ("Tiered Offer") in accordance with the following terms and conditions.
  (a) "New payment category" refers exclusively to a payment category that has not been previously scheduled on the CardUp platform and is a "Home Payment Category" that is listed as follows:

      (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) Parking
      (a.9) Property Tax
      (a.10) Helper Salary  
  (b) "Recurring payment" refers to a payment frequency that is not a one-off transaction. For clarity, if the selected payment frequency is half-yearly or yearly, only one (1) payment within that recurring series will be eligible for a discount.

2. The Tiered Offer 
(a) comprises a 3-tier discounted fee structure based on the "Qualifying Sequence" as follows:
     (a.1) 1.83% fee on the first new recurring payment category
     (a.2) 1.78% fee on the second new recurring payment category
     (a.3) 1.73% fee on the third new recurring payment category

(b)  is only applicable on up to the first three (3) transactions of each new recurring series ("Offer Limit") The prevailing CardUp fee of 2.6% applies to any transactions after the Offer Limit.(c) only applies to eligible Home Payment Categories mentioned in Clause 1(a)
(d) must be set up in a recurring series on or before 26 December 2025, 6pm SGT ("Offer Period")
(e) is only valid with a Singapore-issued Visa Card
(f) can be redeemed up to three (3) times, each on a new recurring payment category

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 User must enter the 3HOME25R 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 User 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 Tiered Offer is not valid:
 (a) On any one-off payment or payments set up after the Offer Period, or with due dates beyond the Last Due Date.
 (b) On any personal categories outside of the Home Payment Categories mentioned in clause 1(a), and business payment categories
 (c) On any one-off personal payment or recurring payment outside of the Home Payment Categories mentioned in clause 1(a).
 (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. The User will be disqualified from the Tiered Offer if any of the earlier Qualifying Sequences are cancelled or refunded without a valid reason. CardUp reserves the right, without prior notice, to suspend payments if any non-compliance with the Offer terms is identified.


7. 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.