CardUp Referral Code KELVINC23: 2.3% Fee on Your First Payment

Pay personal and business expenses with your credit card

Last updated on 19 Aug, 2026 3 min read Business, Payment

CardUp Referral Code: KELVINC23

Use referral code KELVINC23 when scheduling your first CardUp payment to pay a 2.3% CardUp fee:

  • Personal account: Payments up to S$5,000
  • Business account: Payments up to S$10,000

There is no minimum payment amount. This offer is for new CardUp users only and can be used once on the first domestic or international payment, provided the credit card has not been used on CardUp before. Business users must be authorised individuals registering an active ACRA-registered company with a valid UEN or business-registration number. Schedule the payment by 31 December 2026.

For payment amounts above the applicable S$5,000 personal or S$10,000 business cap, CardUp’s prevailing fee applies to the balance. Next Day payment fees are not covered by the referral discount.

CardUp Referral Program terms and conditions apply.

Table of Contents

What is CardUp?

CardUp is an online payment platform that lets you use a credit card for selected personal and business expenses even when the recipient does not accept cards directly.

Personal users can earn card rewards and manage cash flow on eligible larger payments such as rent, taxes, insurance premiums and tuition fees.

Businesses can use CardUp for eligible expenses such as payroll, office rent and supplier invoices, while managing payment timing and card rewards.

CardUp accepts major credit cards, subject to the payment type and CardUp’s prevailing requirements.

CardUp Payment Process
Image Source: cardup.co

Is CardUp licensed in Singapore?

CardUp is licensed by the Monetary Authority of Singapore (MAS) as a Major Payment Institution under the Payment Services Act 2019 (PS Act) for domestic money transfer services, merchant acquirer services, and cross-border money transfer services.

Why use CardUp?

CardUp can help users maximise their credit card benefits on eligible payments. Card availability depends on the payment type.

I used CardUp to pay my income tax and get cashback on my credit card.

International payments support

Pay overseas expenses by bank transfer or credit card, including where cards are not directly accepted.

CardUp supports personal and business international payments to more than 70 countries in over 20 currencies. Applicable exchange rates, conversion costs and payment fees are displayed before confirmation.

Supported overseas payment types include:

  • Education and training fees
  • Insurance
  • Medical services
  • Rent, excluding payments to individual landlords
  • School bus fees
  • Purchases of goods and services
  • Technical, legal and accounting services

Users may pay by bank transfer or use an eligible Singapore-issued credit card to earn the card’s applicable miles, points or cashback. CardUp currently accepts Singapore-issued Visa, Mastercard and UnionPay cards for overseas payments; American Express is not currently supported for these payments.

The CardUp referral code can also be used on a new user’s first eligible international payment, subject to the referral programme’s S$5,000 personal or S$10,000 business cap.

See CardUp’s personal international payments page or business payments page for supported payment types and current fees.

Business Payments CardUp Credit Cards Referral Code Singapore
Auntiehuat
Auntiehuat
Web Administrator

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