Skip to content

Redeem your gift - join your friend on CardUp

On CardUp, you can now make and collect payments digitally with your credit card even in places where cards are traditionally not accepted.

Note:  To enjoy the discounted fee, you need to create a free CardUp account and apply your friend's invite promo code on your first payment

Website-Images-home-big-small

Give and save over 31% on fees

Refer a business to CardUp

Business Referral

Both you and your referees enjoy 1.79% fee up to S$10,000*

Refer a friend to CardUp

Personal referral 

Both you and your referees enjoy 1.79% fee up to S$5,000*

*Limited to the first 50 Referees for per Referrer, regardless if the Referee is a Personal or Business User.  The reward code will be issued upon every successful referral.
See the full terms and conditions here

How CardUp works

2. Business payment-step-v2 (1)
1. Set up a payment

Sign up for a free account and enter the payment and recipient details. You can pay anyone, even if they don't use CardUp.

General-step-2
2. Recipient gets paid

The payment is charged directly to your card with a small CardUp fee. Your recipient receives the funds via bank transfer in as quickly as one business day.

1.-General-step-3-1 (1)
3. Rack up your rewards

Sit back, relax and earn the rewards on your favourite credit cards from these payments. Here's to more miles, points and cashback!


How our referral program works 

01 Share your code 

Send your Invite Promo Code^ to your friends, family, or even your favourite vendors.

02 They make a payment 

Once their first payment is completed with your code, you will receive an email with a Referral Success Promo Code

03 Enjoy your savings 

Apply the  Referral Success Promo Code and save more on the CardUp fee on your upcoming payments

^Sign up for a CardUp account and go to the Referral Program page to share your Invite Promo Code. 
*Referral Program terms & conditions apply 

Earn more rewards and free up more cash on hand 

Earn rewards and leverage on your pre-approved credit line to extend your payables by up to 2-months! 

Pay your renovation payments

Renovation

Pay education fees

Education

Pay insurance

Insurance

Pay your payroll

Payroll

Pay your supplier invoice

Supplier Invoice

Pay your rent payments on CardUp

Insurance

Join the thousands of businesses who already trust CardUp

Portrait image of Michael Finn, The Fifth Collection

"With CardUp, we've been able to capture the miles on our business payments to reduce overall travel expenses for our business."

Michael Finn
Director | The Fifth Collection

Paula's Choice Skincare Logo

"CardUp's unique platform helps optimise cash flow, especially in a small team to keep operations going smoothly."

Jeremy Tan
Team Lead | Paula's Choice

Portrait of Dr Chong, Aviation Virtual

"With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.'

Dr Chong
Managing Director | Aviation Virtual

Portrait of Nina Alag Sure, X0PA AI

"I'm now able to optimise working capital for my business at a flexible and affordable rate. It also helps us process our payments timely."

Nina Alag Sure
CEO | X0PA AI

Chew Kee Pte Ltd Logo

"With CardUp, my team is now able to collaborate and get a consolidated view of our business spend each month."

Chew Kee Pte Ltd
Finance Lead

Portrait of Jerrold Quek, Far Ocean Group

"A clear value-add is the ability to access interest-free credit to help drive working capital needs for large recurring business. This has been pivotal in helping drive healthy working capital ratios."

Jerrold Quek
Chief Operating Officer | Far Ocean Group

Crowd Pte Ltd Logo

"CardUp is a good platform for me to utilise my credit limit to ease my cashflow, earn reward points and get additional timeline for my supplier payments."

Lenny Lim
Director | Crowd Pte Ltd

Star rating w text-new