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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.

Schedule a payment through CardUp on your laptop, mobile, or any device

Pay virtually any of life's expenses by card

Earn miles, points and cashback on all these payment types traditionally not payable by card.

Pay rent


Pay education


Pay insurance


Pay condo and MCST fees

Building management fees

Pay car loans

Car loans

Pay season parking

Season parking

How it works

Review payment details and final payment amount, and pay with your credit card
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.

Pay using your credit card through CardUp, and CardUp transfer the payment to recipient via bank transfer
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.

Enjoy cash back into bank, and credit card miles for next flight
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

Aeon Credit Service
Bank of China (Hong Kong) Logo
Bank of East Asia
China Citic Bank Logo
China Construction Bank
Citibank Logo
Dah Sing Bank Logo
DBS Logo
Hang Seng Bank Logo
Livi Bank Logo
OCBC Wing Hang Logo
PrimeCredit Logo
Standard Chartered Logo
Wirex Logo

The smartest way to earn more rewards


Earn more rewards on more payments

Earn cashback or save over 50% on your flight tickets when you shift your cash and cheque payments onto your credit cards with CardUp, even if your recipients do not accept cards. This lets you rack up miles, points cashback on payments you're already making.

Calculate rewards earned from paying expenses through credit card
Schedule all your credit card payments at once and earn rewards automatically


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.


Share your love of card rewards

Get up to S$4,000 off your CardUp fees when you refer friends or businesses to our platform. They get up to S$200 off their first payment and also start earning credit card rewards where they couldn't previously!

Man introduces friends to a payment platform that maximise rewards on credit card

Even more features to transform the way you pay

CardUp's reliable customer support agent

Reliable support

Get friendly support from our team every step of the way

Rewards calculator

Rewards calculator

Calculate the rewards you can earn for different card types

Pay using credit card within next day

Next Day payment

Make urgent payments in as quickly as one business day

View all payments on one online dashboard

Dashboard monitoring

See all past and upcoming scheduled payments on one page

Get real-time updates easily

Real-time updates

Receive payment status updates and alerts via email and SMS

Add multiple credit cards on CardUp platform

Manage multiple cards

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

Woman at home with coffee, enjoying benefits earned from payments

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

Star rating w text-new

"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!"

Ashley O Reilly

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

Friends happy from earning rewards on their rent, insurance and other payments

Have questions about using our platform?

What payments can I make with CardUp?

Will I earn rewards on my credit card for payments made through CardUp?

How will the rewards earned outweigh the CardUp fee?

Woman making digital payment with credit card through laptop

Maximise your credit card rewards today

Join the tens of thousands of customers who have already earned millions of air miles with CardUp