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Terms and Conditions for Income Tax 2026 Bonus Offer

Eligibility to utilise Promo Code "177BONUS"

  1. CardUp personal account holders who have completed their income tax payment between 14 April 2026 to 9 June 2026, both dates inclusive ("Eligible Users"), are eligible to receive a 1.77% fee on one-off and recurring personal payments ("Bonus Offer"). For the avoidance of doubt, a completed payment is when the recipients receive the funds.

  2. The Bonus Offer
    (a) can be redeemed up to two (2) times per User ("Redemption Limit").
    (b) is valid for one-off and recurring personal payments, where recurring payments apply only up to the last due date of each instruction.
    (c) is valid with a Singapore-issued Visa or UnionPay card.
    (d) on payments scheduled on or before 9 June 2026, before 6pm (SGT) ("Offer Period")

  3. The Eligible Users shall receive the Bonus Offer Code via registered email address on CardUp within 7 business days, subject to when income tax payment is completed ("Eligible Users' Email").

  4.  Payment Set Up
    (a) The payment due date must be on or before 12 June 2026 ("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 Bonus Offer promo code provided in the Eligible Users' email during “Schedule payment” process when setting up payment details. The discounted fee for the eligible payments will be reflected before User confirms and submits the payment.
    (c) Users are not permitted to prepay or overpay the amount owed to the recipient in accordance with the payment reference documents provided. All payments are subject to be reviewed and additional documents may be requested to support the review.

  5. 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.

  6. The Bonus Offer is not valid
    (a) with Mastercard, American Express, debit/preloaded cards or cards issued outside of Singapore.
    (b) on any business payment categories.
    (c) on payment set up after Offer Period, or have a due date beyond the Last Due Date.
    (d) on any additional fees incurred for Next Day payments.
    (e) on any payments in foreign currencies.
    (f) in conjunction with any other promotions, offers or discounts.

  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.

General Terms:

  1. CardUp reserves the right to terminate the Promotion, or to vary, delete or add to any of these Terms and Conditions from time to time at its absolute discretion (including without limitation the terms relating to the eligibility of any User and the dates of the Promotion).

  2.  CardUp’s decision on all matters relating to this Promotion will be final, conclusive and binding on all Users, and no correspondence shall be entertained. In the event of any inconsistency between these Terms and Conditions and any brochure, marketing or promotional material relating to the Promotion, these Terms and Conditions will prevail.

  3. CardUp, its employees and campaign organisers shall not be liable for any loss, damage, or any injury that may be sustained by the User or by any person in connection with the Promotion.

  4. The User acknowledges and agrees that the collection, use, storage and disclosure of his/her personal data shall be governed by the terms of CardUp’s Privacy Policy.

  5. The User acknowledges and agrees that, in addition to the above-mentioned terms, they must abide by the requirements of CardUp's general Terms of Service. 
  6. "CardUp" refers to CardUp Pte Limited, a company registered in Singapore.

  7. These Terms and Conditions shall be governed by Singapore law and each User irrevocably submits to the non-exclusive jurisdiction of the courts of Singapore in respect thereof. A person who is not a party to any agreement governed by these Terms and Conditions shall have no right under the Contracts (Rights of Third Parties) Act (Cap.53B) to enforce any of these Terms and Conditions.