Yes, rewards are calculated based on the total amount charged to your credit card, which includes both your payment amount and the CardUp processing fee.
How rewards are calculated?
When you make a payment using CardUp, your credit card issuer processes a single transaction for the total amount charged. This means rewards (if applicable) are earned on:
Your payment amount
The CardUp processing fee
Card issuers determine rewards based on the total transaction value, not the individual components.
Example
If you make a payment of S$1,000 with a 2.9% CardUp fee:
Payment amount: S$1,000
CardUp fee (2.9%): S$29
Total charged to your card: S$1,029
š Rewards are calculated based on S$1,029
Important notes
CardUp does not issue or manage credit card rewards
Rewards are determined solely by your credit card issuer
The entire transaction (payment + fee) is processed as one charge
FAQ
Why is the CardUp fee included in the rewards calculation?
Because your card issuer processes the payment and the fee as a single combined transaction. Rewards, if applicable, are applied to the total transaction amount charged to your card.
Is the CardUp fee a separate transaction?
No. The CardUp fee is not charged separately. It is bundled together with your payment into one credit card transaction.
Can my bank treat the fee differently from the payment amount?
For CardUp, your payment amount and processing fee are combined into a single transaction charged to your credit card.
Reward eligibility is then determined by your card issuer based on the total transaction value and their program rules.
Does paying a higher CardUp fee mean I earn more rewards?
Yes, since rewards are based on the total charged amount, a higher transaction value will generally result in more rewards earned.
However, this should be considered alongside your overall payment cost.
Will I earn rewards if my card has category restrictions?
Some credit cards exclude certain merchant categories or transaction types (such as payments made through payment service providers) from earning rewards.
If your card has these restrictions, rewards may not be awarded even if the full transaction amount is processed and charged to your card.
For clarification on CardUpās merchant category or how your transaction is processed, please contact our support team.