At CardUp, we've always taken a customer-first approach to pricing. Like many businesses in our industry, we're seeing an increase in card processing costs. After careful consideration, we've adjusted our fees to reflect these changes, allowing us to continue enabling you to use your cards where you normally couldn't and keep earning rewards over the long term.
Even with this adjustment, we're committed to keeping our pricing competitive while operating CardUp responsibly. That's why we're pleased to offer you these exclusive fees.
Want to understand how these changes will affect your payments? Refer below.
Why is CardUp revising its fees now?
Like many payment service providers, CardUp has experienced an increase in card processing costs, including fees charged by card networks and financial institutions.
To continue providing a secure, reliable and rewarding payment experience, we are revising our fees from 13 June 2026. This adjustment allows us to continue supporting card payments sustainably while maintaining the quality of our products and services.
We remain committed to keeping our pricing competitive and providing value to our customers through promotional offers and rewards-earning opportunities.
Who is impacted by the price adjustment updates?
The price adjustment updates will apply to all account types:
a) Business account
b) Personal account and
c) Non-CardUp account payors (“Guest payors”) - who make payments to our business customers that collect payment via CardUp.
Specific fees vary depending on your payment type or any existing custom arrangements. You can find the complete breakdown in the pricing table under Question 5.
When will the new fees take effect? What are the key dates?
New pricing will take effect on 13 June 2026
Last date to adjust your scheduled payments: 8 June 2026, by 11:59 PM SGT
Last due date at old price: 12 June 2026
Note: The fee is determined by the due date, not when you create/schedule the payment. E.g. If you scheduled a payment on 15 May 2026 to be paid on 15 June 2026, the new pricing will apply.
Will any of the promo fees be affected?
Yes, all promo fees will be revised along our standard fees on 13 June 2026 as the increase in processing costs impacts all transactions and prices.
What are the revised fees?
Please refer to the table below for the new promotional codes and applicable fee rates.
Customers will also receive details of the new promotional offers via email and within their CardUp account closer to the effective pricing change date. To ensure you receive these updates, please whitelist [email protected] in your email inbox.
Personal Account
Categories | Old fees | New fees |
Standard Fee | 2.60% | 2.90% |
Recurring Promo | 1.85% | 2.35% | View T&Cs here |
One-off Promo | 2.35% 2.59% | 2.45% | Visa & CUP | View T&Cs here 2.59% | MC & AMEX | View T&Cs here |
New home categories Promo | From 1.77% | From 2.28% | View T&Cs here |
Rent Promo | 1.83% | 2.30% | View T&Cs here |
Reno Promo | 2.1% | 2.39% | View T&Cs here |
Income Tax One-off Promo | 1.73% | 2.35%| View T&Cs here |
Income Tax Recurring Promo | 1.75% | 2.25% | View T&Cs here |
Income Tax Bonus Promo | 1.77% | 2.30% | View T&Cs here |
| 1.85% | 2.35% | View T&Cs here |
Business Account: For making payments
Categories | Old fees | New fees |
Rent, Tax, Payroll Visa Promo | Rent 1.83% Tax 2.55% | 2.35% | View T&Cs here |
Recurring Visa Promo | 1.8% | 2.39% | View T&Cs here |
One-off Visa Promo | 1.89% | 2.45% | View T&Cs here |
One-off Mastercard Promo | N.A. | 2.65% | View T&Cs here |
Tax with Mastercard | 2.55% | 2.6% | View T&Cs here |
Business Account: For collecting payments | Guest payors' fees
Fees are applied automatically; no promo code required.
Categories | Old fees | New fees |
Standard Fee | 2.60% | 2.90% |
International Card | 3.3% | 3.3% |
Local Visa Promo | N.A. | 2.4% |
Local Mastercard, Amex & UnionPay Promo | N.A. | 2.6% |
CardUp Referral Program
Categories | Old fees | New fees |
Referees | Payment created with Referrer code before 13 June, fee at 1.79% up to S$5,000 for personal and S$10,000 for business | Payment created with Referrer code on or after 13 June, fee at 2.3% up to S$5,000 for personal and S$10,000 for business |
Referrers | Payment created with Referral Success Code before 13 June, fee at 1.79% up to S$5,000 for personal and S$10,000 for business | Payment created with Referral Success Code on or after 13 June, fee at 2.3% up to S$5,000 for personal and S$10,000 for business |
Other Offers
Partners' prices are adjusted following this change. Refer to the respective partner’s website for updated promo pricing.
Customers with customised fees will receive an email notification with more details on this transition.
How will the pricing update affect my scheduled payments?
Here is how the transition will work based on your payment dates and setup:
Before vs. After 13 June: Any payment processed before 13 June 2026 will be charged at your existing fees. Transactions charged on or after 13 June 2026 will automatically reflect the updated fees.
Payments with existing promo codes: If your schedule (e.g., your monthly rent payment) was set up using an eligible old promo code like
RENT183, our system will automatically transition it to the new, equivalent promo code.Payments without Promo Codes: Existing schedules that were not set up with a promotional code will not be automatically updated with new promotional pricing. You will need to manually apply any newly available promo codes via your dashboard.
You have full flexibility to adjust your scheduled payments via your dashboard anytime before 8 June 2026, 11 PM SGT.
Where can I view my updated applicable fee?
Your updated applicable fee will be reflected in the CardUp fee column on your payment dashboard once the payment has been set up. You may also view the revised pricing before confirming your payment on the Review Page, closer to the effective date.
What rate applies if I schedule a payment before 13 June, but it processes after that date?
The fee is determined by the due date of the payment, not when you create/schedule the payment. Any payment due on or after 13 June 2026 will automatically be processed at the new revised rate.
Will I be notified before my scheduled payment is charged at the new rate?
We informed all customers about the pricing update via email (for users subscribed to marketing updates) and in-app notifications on 13 May 2026.
If you signed up after this date or unsubscribed from marketing emails, you may not have received these updates.
Scheduled payments will continue to be processed automatically at the updated fees. No additional reminder will be sent before each charge.
You can review the applicable fee for each upcoming payment in your “Scheduled Payments” section.
Can I still use the existing promo codes?
You can continue using our existing promotional codes for payments charged before 13 June 2026.
From 13 June 2026 onwards, new promotional codes will apply under the updated pricing structure. These new promo codes will be shared closer to the effective date.
To better understand the impact of this change on your existing scheduled payments, please refer to Question 6.
Do the revised prices impact all card networks?
The revised pricing mainly affects card payments, where processing costs have increased. Certain card networks or reward card categories may see different pricing adjustments. Refer to the revised pricing table at Questions 5.
Will I still earn credit card rewards after the fee revision?
You will continue to earn credit card rewards, miles, cash-back, or points on eligible payments, depending on your card issuer’s terms and conditions.
For more information on supported or recommended cards, you may refer to our FAQ page:
Is my spend on CardUp eligible for credit card rewards? | CardUp Help Center
Is there a change to the International Card fee?
No, the CardUp fee for international cards remains unchanged at 3.3%.
Will there be any promotional fees or waivers available?
We may continue to offer promotional fees, fee waivers, or campaign-based from time to time.
These promotions are not guaranteed and will be subject to eligibility, campaign terms, and availability during each promotional period.
I’m a long-term customer; can my current rate be retained?
A: We genuinely appreciate your loyalty and support. However, the revised pricing will apply to all customers as it reflects increased payment processing costs. This change helps us continue providing a secure and reliable service while maintaining the benefits and flexibility that CardUp offers.
Why are some promo codes no longer available?
Existing promo arrangements may be revised or retired as part of the updated pricing structure to reflect the latest processing costs.
Are there any changes to the product or services?
No. Customers can continue using the platform as usual, including making recurring payments and collecting payments, scheduling features, and supported payment categories.
Non-CardUp Account payors (Guest Payors)
Due to rising card processing costs, including increases in interchange and card network fees, we are revising our service fees. This allows us to continue providing a secure, reliable and rewarding payment experience while supporting card payments sustainably over the long term.
Refer to the revised prices at Question 5.
Do I need to do anything?
No action is required if you wish to continue using CardUp under the revised pricing.
If you would like to review, modify or cancel any upcoming scheduled payments, please do so before the stated deadline through your CardUp dashboard.
Thank you for your continued support. We're grateful to have you as part of the CardUp community.