Terms and Conditions for "SGCarMart Partnership" Car Expenses 2026 Promotion
Eligibility to utilise promo code SGCARMART21 (Ends 31 August 2026)
- CardUp users with a Personal account ("Users") are eligible to enjoy 2.1% CardUp fee on one-off car down payments ("Offer") in accordance to the following terms and conditions.
- The Offer is valid
(a) on up to S$5,000 ("Offer Limit") on unlimited redemption until the Offer Limit it met. The prevailing 2.6% fee will be applied to the rest of the payment should the amount exceed S$5,000 each calendar month within the Offer Period mentioned herein.
(b) on one-off car down payments set up within the Miscellaneous payment category ("Eligible payment category"). In avoidance of doubt, the Offer can only be applied when "Car down payment" is selected as "Purpose of payment", within Miscellaneous payment setup.
(c) with a Singapore-issued Visa, Mastercard or UnionPay credit cards
(d) on payments scheduled on or before 31st August 2026, before 6pm (SGT) ("Offer Period") - Payment Set Up
(a) The payment due date must be on or before 3rd September 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 promo code SGCARMART21 during “Schedule payment” process in the Promo or Referral Code field when setting up payment details. The discounted fee for the eligible payments will be reflected before User confirms and submits 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. - 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 all documents required to support the payment, including but not limited to, for car down payments, a valid hire purchase agreement (including a breakdown of fees), the recipient’s bank account details, and supporting documentation confirming that the User’s credit card has been pre-funded for the down payment amount.
(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. - The Offer is not valid:
(a) For any other personal and business payment categories outside of the Eligible payment category
(b) on payment set up after Offer Period, or have a due date beyond the Last Due Date
(c) with any American Express, debit/preloaded cards and 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.
Eligibility to utilise SGCARMART179 promo code (Ends 31st August 2026)
- CardUp Users with a Personal account (“Users”) are eligible to enjoy a discounted CardUp fee of 1.79% on recurring car loan payments ("Offer"), in accordance with following Terms & Conditions.
- The Offer is valid
(a) on unlimited redemption per User on all recurring Car Loan payments ("Eligible payment category")
(b) with a Singapore-issued Visa or Union Pay cards, subject to exclusions listed in Clause 5(c).
(c) on payment scheduled on CardUp on or before 31st August 2026 before 6 PM (SGT) ("Offer Period") - Payment Set Up
(a) The payment due date must be on or before 24th December 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 promo code SGCARMART179 during “Schedule payment” process in the Promo or Referral Code field when setting up payment details. The discounted fee for the eligible payments will be reflected before User confirms and submits 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. - 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 all documents required to support the payment, including but not limited to, for car loans, a valid loan agreement or loan disbursement letter, the latest bank statement evidencing loan repayment details, or a GIRO approval letter.
(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. - The Offer is not valid:
(a) on any personal or business payment categories outside of "Eligible payment Category"
(b) on payment set up after Offer Period, or have a due date beyond the Last Due Date
(c) on payments made with any Citibank, Mastercard, American Express, debit/preloaded cards and credit cards issued outside of Singapore
(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 - 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.