Turn life's expenses
into life experiences
Earn miles, points and cashback on payments currently made by cash, cheque or bank transfers, even where credit cards are not accepted.




Pay virtually any of life's expenses by card
Earn miles, points and cashback on all these payment types traditionally not payable by card.

Rent

Education

Insurance

Building management fees

Car loans

Season parking
How it works

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.

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.

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!
Want to use CardUp for your business expenses?
We've got your payroll, supplier invoices and more covered. Let's get down to business.
CardUp supports cards from all major banks and issuers
















The smartest way to earn more rewards
MAKING PAYMENTS


RECURRING PAYMENTS
Set up once, earn on repeat
Weekly, monthly or even fortnightly payments? Easily schedule a year's worth of payments in minutes and never worry about late payment fees again. Sit back, relax and watch your rewards roll in.
REFERRAL PROGRAM

Even more features to transform the way you pay

Next Day payment
Make urgent payments in as quickly as one business day

Dashboard monitoring
See all past and upcoming scheduled payments on one page

Real-time updates
Receive payment status updates and alerts via email and SMS

Manage multiple cards
Add multiple cards and choose the right card for each payment type

Transparent pricing, no hidden fees
To enable card payments in places where previously not possible, CardUp charges a fee per payment. However, the rewards you earn on your card can easily outweigh this fee!
Security is at the core of our platform

We are licensed by the Hong Kong Customs and Excise Department (HKCED) and keep your data safe with our PCI-DSS compliant and 256-bit encrypted platform. This means that our platform meets the highest security standards to ensure that your payments are safe.
Join the tens of thousands of customers already earning rewards

"We pay our rent, taxes and everything we can through CardUp, which maximises our credit card miles, and even for us to Iceland and back on points this summer."

Barry and Laura
Pays rent and insurance
"Skiing with our kids was the highlight of our year. We used the reward miles earned to fly to Switzerland, all thanks to CardUp!"

The O'Reilly Family
Pays rent
"Using CardUp let me enjoy direct savings on my payments through the cashback earned. By setting them up on repeat, I'm essentially getting a discount on my payments!"

Jonathan Tan
Pays car loan, insurance and helper salary

Have questions about using our platform?
What payments can I make with CardUp?
Our platform lets you shift payments currently made by cash, cheque or bank transfers onto your credit cards, even where cards are not accepted. These include payments such as rent, school fees, insurance premiums and more. You can view the full list of accepted payments here.
Will I earn rewards on my credit card for payments made through CardUp?
All spend made using a Hong Kong-issued card on your CardUp-registered account are eligible for the base earn rate of miles, points or cashback on most credit cards, including for payments such as insurance premiums and rent.
This includes all of these popular credit cards listed here.
How will the rewards earned outweigh the CardUp fee?
Rest assured for many credit cards in Hong Kong, the value of the rewards gained will outweigh our fees.
If you're unsure how, you can write in to us here and we can show you how!

Maximise your credit card rewards today
Join the tens of thousands of customers who have already earned millions of air miles with CardUp