1. What are CardUp credits?
CardUp credits refer to a discount off the CardUp fee.
For personal users:
You will enjoy a discounted CardUp fee of 1.79% on your first personal payment, for amounts up to S$5,000.
For any payment amount exceeding S$5,000, the prevailing fees apply to the excess amount (2.6% for domestic cards and 3.3% for international cards).
For business users:
You will enjoy a discounted CardUp fee of 1.79% on your first business payment, for amounts up to S$10,000.
For any payment amount exceeding S$10,000, the prevailing fees apply to the excess amount (2.6% for domestic and 3.3% for international).
Example: Let's say you are a Personal user scheduling a S$6,000 payment using a domestic card:
Discounted Tier (First S$5,000): 1.79% fee applies.
Excess Amount (Remaining S$1,000): 2.6% fee applies for Singapore-issued cards, and 3.3% fee applies for Non-Singapore issued cards
Please note that any unused portion of the discounted fee limit cannot be refunded or carried over to future payments.
Where do I find my invite promo code?
After logging in to your CardUp account, go to Go to 'Refer & Save' on the left navigation menu bar. You’ll find your invite promo code there.
Can anyone use my invite promo code?
Your invite promo code can only be used by users who do not have an existing CardUp account and do not have previous payments set up. For full details, please visit the terms and conditions here.
How do I share my invite promo code with my friends?
You can share it via email, Facebook, Twitter, WhatsApp, or any other channel you prefer.
How do I know when someone uses my invite promo code?
You will receive an email with the referral success promo code upon the successful use of your promo code. Successful use of the promo code is when the status on your friend’s payment on the dashboard shows “Complete”.
Is there a limit to the number of times I can share my invite promo code?
You can share your Invite Promo code with as many friends as you like. However, the use of the Invite Promo code is limited to the first 50 friends or businesses (referees) per referrer who successfully apply the promo code on their first payment.
Once this number of redemptions is exceeded, any new referees who try to use the promo code will be informed that it is no longer valid.
The limit of 50 referees includes anyone who has used your Invite Promo code from the time you signed up for your CardUp account
Will my referral success promo code expire?
Yes, it expires 90 days from the day you receive the email with the promo code.
Where do I enter my promo code?
When scheduling your payment, you will see an option to enter a promo code after the 'Payment reference' field.
Can I use more than one referral success promo code on a single payment?
No, only one Referral Success Promo Code can be used per payment, and the code can only be used once. This allows you to redeem the discounted 1.79% fee on your payment
S$5,000 for each personal referral or
S$10,000 for each business referral.
Can I carry over any unused portion of my CardUp credit to my next payment?
No, any unused portion of the CardUp credit will not be refunded or carried over to the next payment.
Why am I unable to use the referral success promo code I received?
A possible reason is that your friend's payment has not yet been completed. For full details, please visit the terms and conditions here and contact us if you need help.