Terms and Conditions for Home Bundle 2026 - New Payments Promotion
Eligibility to utilise One-Off Promo Code HOME235
- CardUp users with a Personal account ("Users") are eligible to enjoy 2.35% CardUp fee on one-off payments across new "Eligible Payment Categories" ("Offer") in accordance to the following terms and conditions.
(i) "New" refers exclusively to an Eligible Payment Category that has not been previously scheduled on the CardUp platform.
(ii) "Eligible Payment Categories" refers eligible payment types:
(1) Renovation
(2) Property Agent Fees
(3) Property Tax
(4) Stamp Duty
(5) Mortgage
(6) Education
(7) Insurance
(8) Condo MCST
(9) Rent - The Offer is valid
(a) for up to three (3) redemptions per User ("Redemption Limit") on one-off payments.
(b) only applies to up to three (3) new Eligible Payment Categories stated in Clause (1.ii)
(c) with a Singapore-issued Visa and China UnionPay cards.
(d) on payments scheduled on or before 31 December 2026, by 6 PM (SGT) ("Offer Period"). - Payment Set Up
(a) The payment due date must be on or before 6 January 2027 ("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 HOME235 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. - Payment Review
(a) All payments are subject to review and additional documents may be requested to support the review.
(b) The User agrees to provide accurate, complete, and valid documentation to support each scheduled payment.
(c) CardUp shall not be liable for any payment processing delays, failed transfers, or loss of promo code eligibility arising from the User's failure to provide required documentation on time. - 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 any personal categories outside of the Eligible Payment Categories mentioned in clause (1.ii), and business payment categories.
(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. - 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.
Eligibility to utilise Recurring Promo Code HOME229R
-
CardUp users with a Personal account ("Users") are eligible to enjoy 2.29% CardUp fee on recurring payments across new "Eligible Payment Categories" ("Offer") in accordance to the following terms and conditions.
(i) "New" refers exclusively to an Eligible Payment Category that has not been previously scheduled on the CardUp platform.
(ii) "Eligible Payment Categories" refers eligible payment types:
(1) Renovation
(2) Property Agent Fees
(3) Property Tax
(4) Mortgage
(5) Education
(6) Insurance
(7) Condo MCST
(8) Rent -
The Offer is valid
(a) for up to three (3) redemptions per User ("Redemption Limit") on weekly, monthly or quarterly recurring payments
(b) is only applicable for the first three (3) transactions set up as a recurring series.
(c) only applies up to three (3) Eligible Payment Categories stated in Clause (1.ii).
(d) with a Singapore-issued Visa and China UnionPay cards.
(e) on payments scheduled on or before 31 December 2026, by 6 PM (SGT) ("Offer Period"). -
Payment Set Up
(a) The payment due date must be on or before 6 January 2027 ("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 HOME229R 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. -
Payment Review
(a) All payments are subject to review and additional documents may be requested to support the review.
(b) The User agrees to provide accurate, complete, and valid documentation to support each scheduled payment.
(c) CardUp shall not be liable for any payment processing delays, failed transfers, or loss of promo code eligibility arising from the User's failure to provide required documentation on time. -
The 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 Eligible Payment Categories mentioned in Clause (1.ii), and business payment categories.
(c) with Mastercard, American Express credit cards, debit/preloaded cards or credit cards issued outside of Singapore.
(d) on any additional fees incurred for Next Day payments.
(e) on any payments in foreign currency.
(f) in conjunction with any other promotions, offers, or discounts. -
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:
- 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).
- 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.
- 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.
- 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.
- 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.
- "CardUp" refers to CardUp Pte Limited, a company registered in Singapore.
- 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.