Credit Cards Deals

CardUp offering 1.8% fee for existing users

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 new deal 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 200 customers to enjoy a discounted 1.8% fee when using a Visa card.


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 on or before 28th February 2023, you’ll be entitled to a discounted 1.8% processing fee using promo code ANGBAO18.

You’ll have to schedule the payment at least 3 business days in advance of the payment due date, to allow for processing time.

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

The reduced fee will then be reflected on the next page, where you review your payment:

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

The code is not subject to any minimum or maximum payment amount, but is limited to the first 200 redemptions, so act sooner rather than later if you want to take advantage.


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

  • with Mastercard, UnionPay, 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.

Full terms and conditions are available here.

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 1.6 1.11¢
Citi ULTIMA 1.6 1.11¢
DBS Vantage 1.5 1.18¢
UOB PRVI Miles Visa 1.4 1.26¢
Standard Chartered Visa Infinite 1.4* 1.26¢*
OCBC Voyage Visa 1.3 1.36¢
Citi PremierMiles Visa 1.2 1.47¢
DBS Altitude Visa 1.2 1.47¢
OCBC 90ºN Visa 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 now that travel has returned with most border restrictions dropped, including in Taiwan, Japan and Hong Kong.

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

New users get S$30 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 ANGBAO30 and be eligible for S$30 off your first payment scheduled between now and 28th February 2023.

This offer is not capped, but can only be applied once per new user.

A S$30 discount on the regular CardUp fee of 2.6% gives you a fee-free payment of up to S$1,154.

Any unused portion of the offer will not be refunded or carried over to the next payment, so try to make the payment at least S$1,154 to maximise the deal.

Once your payment is S$3,750 or more, it’s better to use the the 1.8% fee offer (ANGBAO18, if it is still available), than this new user S$30 discount offer.

Full terms and conditions are available here.

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 January 2024 (code GET225)
  • Rent: 2.6% 1.79% extended until 31st January 2024 (code SAVERENT179)
  • Recurring Payments: 2.6% 1.85% (Visa-only) extended until 31st January 2024 (code RECURRING185)

There are also some promotional rates for business users, including a 1.3% fee deal for new business payments.

See CardUp’s pricing page for further details.

Citi PayAll has a better deal

Citi PayAll has an ongoing deal running from now until 31st January 2023, offering Citi cardholders 1.8 mpd on all payments, provided the total from all payments made through the facility is between S$5,000 and S$80,000 (in total aggregate spend) during the promotion.

Like CardUp, Citi PayAll can be used to pay property rental, education bills, income tax, insurance and other similar expenses.

This allows those with the following cards to buy miles at 1.11 cents each during the promotion, the same or better than the one-time CardUp 1.8% fee offer.

Card Earn rate Cost per mile
(2% fee)
Citi Ultima Small 2Citi ULTIMA 1.6 mpd
1.8 mpd
Card2019 SmallCiti Prestige 1.3 mpd
1.8 mpd
CardMC2019 smallCiti PremierMiles 1.2 mpd
1.8 mpd
Citi Rewards 0.4 mpd
1.8 mpd

The downside of course is that you’ll need to have at least S$5,000 of total payments to make by the end of January 2023 to benefit, while the CardUp deal is good for smaller payment amounts too, until the end of February 2023 (unless the user cap is reached expired beforehand).




CardUp has a nice payment offer for the Lunar New Year season, with a 1.8% fee on a one-time payment through your credit card for a variety of expenses like rent, education, insurance and utility bills, allowing you to earn miles from 1.11 cents each in the process.

Brand new users, or those yet to make their first payment, also benefit from a S$30 fee during this period with a separate promo code.

Sign Up HERE

Before committing, do remember to consider the ongoing Citi PayAll offer, allowing you to buy miles at 1.11 cents with four of its cards, if you have total expenses of S$5,000+ between now and the end of January.

Links on Mainly Miles may pay us an affiliate commission.

(Cover Photo: CardUp)