Credit Cards Deals

CardUp offering 1.8% fee in February – buy miles from 1.1 cents each

Buy miles from 1.1 cents each using CardUp's Lunar New Year promo code, with a 1.8% fee.

Card payments company CardUp has a great offer this month for those of you needing to settle a wide range of expenses like rental payments, education fees, insurance premiums and general invoices, with an offer for the first 300 customers to enjoy a discounted 1.8% fee.

That’s the equivalent of buying miles at 1.1 cents each with some credit cards, an excellent rate to accrue miles for future flight redemptions.

1.8% fee Lunar New Year offer

If you schedule a CardUp payment between now and 28th February 2021, for a payment due on or before 16th April 2021, you’ll be entitled to a discounted 1.8% processing fee using promo code HUAT18.

Simply enter the code when setting up your payment in the ‘PROMO CODE’ field:

The reduced fee will then be reflected on the confirmation page:

This promo code can be applied to a one-time transaction, or can apply to the first two payments in a weekly or monthly recurring payment series.

It’s subject to a minimum payment of S$130 and a maximum of S$10,000, and is limited to the first 300 redemptions.


The promo code may be redeemed twice per user and does not apply:

  • with American Express credit cards and credit cards issued outside of Singapore;
  • on any additional fees incurred for ‘Next Day’ payments;
  • on any international payments to recipients outside of Singapore;
  • in conjunction with any other promotions, offers or discounts.

Cost per mile

Here are some cost per mile examples for Singapore-issued credit cards under this promotional deal at the 1.8% rate:

Card Miles per S$1 Cost per mile
(1.8% fee)
$UOB Reserve 3.pngUOB Reserve 1.6 1.11¢
Citi Ultima Trans.pngCiti ULTIMA 1.6 1.11¢
Card MCUOB PRVI Miles MC/Visa 1.4 1.26¢
image_standard-chartered-visa-infinite@2x02.pngStandard Chartered Visa Infinite 1.4* 1.26¢*
Card2019 SmallCiti Prestige 1.3 1.36¢
CardOCBC Voyage Visa 1.3 1.36¢
Altitude Card.jpgDBS Altitude Visa 1.2 1.47¢
This image has an empty alt attribute; its file name is CardMC2019-small.pngCiti PremierMiles 1.2 1.47¢
Card 2 smallOCBC 90ºN 1.2 1.47¢
Card SmallKrisFlyer UOB 1.2 1.47¢

* 1.4 mpd subject to a minimum spend of S$2,000 in the same statement cycle, otherwise 1 mpd. CardUp payments do count towards the minimum.

All of these are competitive rates to buy, we value KrisFlyer miles at 1.9 cents each (our upper limit), and actually achieve around 2.4 cents per mile when we redeem, based on well over 1 million miles burned over recent years, assuming current redemption rates.

Click here for a full list of cards earning miles or points for CardUp transactions.

New users get S$25 off

If you’re new to CardUp, or have signed up but have yet to make a payment using the platform, you’re eligible to use promo code HUAT25 and be eligible for S$25 off your first payment scheduled on or before 28th February 2021.

The payment due date, which is the last date on which the payment must arrive at the recipient, must be on or before 31st March 2021.

This offer is limited to the first 300 redemptions and can only be applied once per new user.

Stack with ipaymy

CardUp’s 1.8% fee on up to two payments in February 2021 is currently the best on the market, but if you have multiple bills to settle during the month don’t forget there’s a 1.88% fee offer using ipaymy on up to two payments this month with a Visa or Mastercard.

We also have a reader offer for new ipaymy users, so you’ll get S$22.50 off your first fee, which means free miles, especially useful if you’re an existing CardUp user but haven’t used ipaymy before.

Other CardUp offers

CardUp has also recently extended some of its offers for other personal payment types:

  • General Payments: 2.6% 2.25% extended until 31st December 2021 (code GET225)
  • Rent: 2.6% 1.79% extended until 30th June 2021 (code SAVERENT179)

While for business users:

  • Commercial Rent: 2.6% 0.8%* extended until 30th June 2021
  • Supplier Invoices: 2.6% 1.45%* extended until 30th June 2021
  • Business Taxes: 2.6% 1.45%* extended until 30th June 2021

* No card rewards offered with these rates

See CardUp’s pricing page for further details.


It’s turning out to be a great month to generate miles through your credit card for a variety of expenses like rent, education, insurance and utility bills, with this latest 1.8% offer from CardUp.

Brand new users, or those yet to make their first payment, also benefit from a S$25 fee discount this month.

Sign Up HERE

The offers can also be combined with a 1.88% fee on two ipaymy payments this month, with that provider also running a giveaway worth S$88 off your next fee if you’re feeling lucky, plus a sign-up offer for Mainly Miles readers.

There’s also a great Citi PayAll offer running, allowing you to buy miles from 0.42 cents.

Links on Mainly Miles may pay us an affiliate commission.


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