Full Terms & Conditions: [here]
🎁 What is OFF245?
OFF245 is a promo code that gives eligible CardUp personal users a reduced fee of 2.45% for qualifying personal payments using Singapore-issued Visa and UnionPay cards.
👤 Who can use this promo?
You can use OFF245 if:
You have a CardUp Personal account
You pay with a Singapore-issued Visa or UnionPay card
Your payment is for an eligible personal payment category
Your payment is scheduled by 31 January 2027, 6pm SGT
Your payment due date is on or before 4 February 2027
🧾 How do I apply the promo code?
Click "Create Payment" and select an eligible personal payment category
Add a new recipient or select one from the prepopulated list
Enter your payment amount on the “Amount” page
Enter OFF245 in the “Promo or Referral Code” field
Proceed to the Review page to confirm your payment
Note: The fee summary table shows the standard fee based on your selected card type (2.9% for Singapore-issued cards or 3.3% for international-issued cards) and does not reflect promo discounts.
🔁 Can I use it more than once?
Yes, you can use OFF245 multiple times as long as each payment meets the eligibility criteria. The promo is valid for both one-off and recurring payments.
🚫 When won’t the promo apply?
This promo won't apply for:
Business payment categories
Payments set up after the promo period (31 January 2027, 6pm SGT)
Payments due after 4 February 2027
Mastercard or American Express cards
Debit or prepaid cards
Credit cards issued outside of Singapore
Foreign currency payments
Combined use with other promotions or discounts
Next-day payment fees
✍️ Do I need to enter the code manuallu?
Yes, OFF245 must be entered manually during payment setup for the discount to apply.
❓ What happens if I forget to enter the promo code?
The promo code must be entered during payment setup for the discount to apply. Once a payment has been submitted, the promo code cannot be applied retrospectively.
Depending on the status of your payment, payment types and promo code t&C, you may need to:
Please refer to the linked Help Centre article for detailed instructions.
⚠️ What error message will I receive if the promo code cannot be applied?
If your payment does not meet the promo eligibility criteria, you may see the following message:
"Sorry, you're not eligible to redeem this offer."
If you receive this message, please ensure that:
You are using an eligible Singapore-issued Visa or UnionPay card
Your payment falls under an eligible personal payment category
Your payment is scheduled within the promo period
The promo code has been entered correctly
Your payment meets all requirements stated in the Terms & Conditions
🎁 Can I use OFF245 together with another promo code?
No. OFF245 cannot be combined with any other promotion, discount, or offer.
🔍 Will my payment be reviewed?
All payments are subject to review. We may request supporting documents to verify payment details. Providing accurate information and supporting documents helps avoid processing delays.
💳 Will I still earn card rewards?
Card rewards eligibility depends on your card issuer's policies and terms.
Please refer to our Card Rewards FAQ for details on eligible cards and exclusions.
📌 Where can I learn more about card rewards eligibility?
Please refer to our Card Rewards FAQ for information on rewards eligibility and exclusions.