In 2023 CardUp was offering selected OCBC cardholders some quite competitive discounted fees for payments made using its platform, for expenses like property rental, education fees, insurance premiums and general invoices, where a credit card wouldn’t normally be accepted.

The good news is the deals have now been extended for at least the first six months of 2024, allowing new CardUp users to generate miles from 0.92 cents each, while existing users can do so from 1.11 cents each.

CardUp Deal: OCBC Voyage & Premier Visa Infinite

If you’re an OCBC Voyage or Premier Visa Infinite cardholder, CardUp’s 2023 deal has been extended until 30th June 2024 and offers a very competitive 1.5% fee on any one-time payment if you haven’t used the service before, allowing you to buy miles from as little as 0.92 cents each.

There’s also a year-round 1.8% fee offer on any number of payments between now and 30th June 2024 for existing CardUp users holding these cards.

These promotional codes are valid for any supported payment type via the CardUp platform, making this a very flexible way to generate miles at a reasonable cost over the next six months.

Maximise your rewards with CardUp! Earn miles when you pay for bills that do not offer rewards such as income taxes, insurance, school fees, car loans and more. Earn up to 1.6 VOYAGE Miles for every S$1 spent using your VOYAGE Card.

OCBC

New users promotion (1.5%)

This offer is available to Voyage or Premier Visa Infinite cardholders who are new CardUp personal account users who have not yet scheduled a payment using the platform.

A 1.5% fee is available for any payment type scheduled between now and 30th June 2024.

Payments must be scheduled at least 3 business days in advance of the due date to allow for processing time. The payment due date is the last date on which the payment must arrive at your recipient, and is therefore 3rd July 2024 for this offer.

The code can be applied to domestic and international payments.

Simply use the promo code OCBC15 at the ‘Amount’ stage, prior to uploading the supporting documents and reviewing the payment.

OCBC15			2.6%	1.5%
New Users: One-time payment with an OCBC Voyage or OCBC Premier Visa Infinite card (no cap). Full terms here.

Remember this is a one-time use promo code, so to maximise the value you should save this for your largest upcoming payment.

The payment amount is unlimited. Each promo code can only be applied once per user.

Here’s how the cost per mile looks for a one-time payment at 1.5% fee.

Card	Miles per S$1	Cost per mile (1.5% fee)
OCBC Premier Voyage OCBC PPC Voyage BOS Voyage	1.6	0.92¢
OCBC Voyage	1.3	1.14¢
OCBC Premier VI	1.28	1.15¢

These all represent competitive rates to buy miles, now that travel has returned post-pandemic.

Existing CardUp users offer (1.8%)

CardUp also has a deal running for existing customers holding the OCBC Voyage or Premier Visa Infinite cards, with a 1.8% fee on all payments made over the next six months.

This offer is valid for payments scheduled between now and 30th June 2024.

Payments must be scheduled at least 3 business days in advance of the due date to allow for processing time. The payment due date is the last date on which the payment must arrive at your recipient, and is therefore 3rd July 2024 for this offer.

The code can be applied to domestic and international payments.

There is no limit to the number of times you can use this promo code, and there is no upper payment cap.

OCBC18			2.6%	1.8%
Existing Users: Unlimited payments with an OCBC Voyage or OCBC Premier Visa Infinite card (no cap). Full terms here.

Here’s how the cost per mile looks for these unlimited payments at a 1.8% fee.

Card	Miles per S$1	Cost per mile (1.8% fee)
OCBC Premier Voyage OCBC PPC Voyage BOS Voyage	1.6	1.11¢
OCBC Voyage	1.3	1.36¢
OCBC Premier VI	1.28	1.38¢

CardUp Deal: OCBC 90°N Cards

If you’re an OCBC 90°N cardholder, CardUp has also extended its 2023 deal through to mid-2024, offering a competitive 1.5% fee on any one-time payment of up to S$10,000 if you haven’t used the service before, which allows you to buy miles from as little as 1.14 cents each.

There’s also a 2% fee offer on payments between now and 30th June 2024 for existing CardUp users holding the OCBC 90°N cards, a nice discount on the platform’s usual 2.6% fee, allowing you to buy miles at 1.51 cents each.

While this latter deal was previous restricted to the first 100 users, it’s now unlimited and can be used repeatedly during the promotion period.

These promotional codes are valid for any supported payment type via the CardUp platform, making this a very flexible way to generate miles at a reasonable cost for the next six months.

Maximise rewards with CardUp. Earn miles when you pay for bills that do not offer rewards such as income taxes, insurance, school fees, car loans, and more. Receive up to 1.3 90°N Miles with every S$1 you spend on your OCBC 90°N Card.

OCBC

As you can see, this offer is slightly less generous than the deal for OCBC Voyage cardholders, so do take advantage of that one first if you can.

New users promotion (1.5%)

This offer is available to OCBC 90°N cardholders who are new CardUp personal account users that have not yet scheduled a payment using the platform.

A 1.5% fee is available for any payment type scheduled between now and 30th June 2024.

Payments must be scheduled at least 3 business days in advance of the due date to allow for processing time. The payment due date is the last date on which the payment must arrive at your recipient, and is therefore 3rd July 2024 for this offer.

The code can be applied to domestic and international payments.

Simply use the promo code OCBC90N15 at the ‘Amount’ stage, prior to uploading the supporting documents and reviewing the payment.

OCBC90N15			2.6%	1.5%
New Users: One-time payment with an OCBC 90°N Visa or Mastercard (capped at S$10,000). Full terms here.

Remember this is a one-time use promo code, so to maximise the value you should save this for your largest upcoming payment.

The payment amount is capped at S$10,000. If your payment exceeds S$10,000, any remaining amount over and above S$10,000 will attract the regular CardUp 2.6% fee.

Each promo code can only be applied once per user.

Here’s how the cost per mile looks for a one-time payment at 1.5% fee.

Card	Miles per S$1	Cost per mile (1.5% fee)
OCBC 90°N Visa OCBC 90°N Mastercard	1.3	1.14¢

Existing CardUp users offer (2%)

CardUp also has a deal running for its existing customers who are also OCBC 90°N cardholders, with a 2.0% fee on all payments made between now and mid-2024.

This offer is valid for payments scheduled between now and 30th June 2024.

Payments must be scheduled at least 3 business days in advance of the due date to allow for processing time. The payment due date is the last date on which the payment must arrive at your recipient, and is therefore 3rd July 2024 for this offer.

The code can be applied to domestic and international payments.

There is no limit to the number of times you can use this promo code, but each payment is subject to a maximum amount of S$10,000, withe CardUp’s standard 2.6% fee applicable for amounts greater than that.

OCBC90NV			2.6%	2.0%
Existing Users: Unlimited payments with an OCBC 90°N Visa (S$10,000 total). Full terms here.

OCBC90NMC			2.6%	2.0%
Existing Users: Unlimited payments with an OCBC 90°N Mastercard (S$10,000 total cap). Full terms here.

Here’s how the cost per mile looks for these payments.

Card	Miles per S$1	Cost per mile (2.0% fee)
OCBC 90°N Visa OCBC 90°N Mastercard	1.3	1.51¢

How to unlock the discounted fee

CardUp’s user interface makes it quite logical to set up a new payment and apply one of these promo codes.

Set up your payment as normal on CardUp and at the stage where you enter your payment amount and bill reference there is a ‘Promo Code’ field, just before the applicable fee is quoted.

This is where you can enter the OCBC15, OCBC18, OCBC90N15, OCBC90NV or OCBC90NMC code, depending on which offer you are using.

Note that entering the code at this stage will not change the fee, you’ll have to click ‘Continue’ to see the discount reflected.

The usual 2.6% fee is then reduced to the applicable offer fee once the code is entered, before you confirm and submit the payment.

OCBC now has 9 transfer partners

In 2022 OCBC revealed it would be dragging itself out of the dark ages when it comes to airline and hotel transfer partners in Singapore, by improving its offering from a single programme (Singapore Airlines KrisFlyer) to an eight-partner repertoire, from December 2022.

In the end it took until mid-2023 for the new partners to come on board, and unfortunately the conversion ratios for most of them are disappointing.

Let’s say you have sufficient points on your OCBC credit card to transfer them into 10,000 KrisFlyer miles, which would be 10,000 90°N Miles / Voyage Miles, or 25,000 OCBC$.

Here’s what you’ll get instead with an identical transfer into these newly added partner programmes.

Existing Option	Miles or Points
Singapore Airlines KrisFlyer	10,000
New Partner Programme	Miles or Points
Air France-KLM Flying Blue	10,000
IHG One Rewards	10,000
Marriott Bonvoy	10,000
British Airways Executive Club	9,000
Etihad Guest	9,000
Cathay Pacific Asia Miles	7,500
United MileagePlus	7,000
Accor Live Limitless	5,000

Unfortunately the transfer ratios for most useful partners are very disappointing, especially for Asia Miles where OCBC cardholders take a surprising 25% hit compared to a KrisFlyer transfer.

While it’s always good to have additional options, most of our readers will simply want to continue to transfer from OCBC into KrisFlyer, for the best value.

Other CardUp offers

CardUp also still has some ongoing offers for other personal payment types, though these are flagged to be ending in early 2024 at the time of writing:

• General Payments: 2.6% 2.25% until 31st January 2024 (code GET225)
• Rent: 2.6% 1.79% until 31st January 2024 (code SAVERENT179)
• Recurring Payments: 2.6% 1.85% (Visa-only) 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.

Consider Citi PayAll until 29th February

If you’re a Citi cardholder, the bank’s PayAll facility has an ongoing deal running from now until 29th February 2024, offering 1.8 mpd on all payments, provided the total from all payments made through the facility is between S$8,000 and S$120,000 (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 1.22 cents each during the promotion, which in some cases is better than these extended OCBC x CardUp offer.

Card	Earn rate	Cost per mile (2% fee)
Citi ULTIMA	1.6 mpd 1.8 mpd	1.22¢
Citi Prestige	1.3 mpd 1.8 mpd
Citi 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$8,000 of total payments to make by the end of February 2024 to benefit, while these CardUp OCBC deals are good for smaller payment amounts too, right through to the end of June 2024.

CardUp has extended its promotional fee rates for selected OCBC cardholders until 30th June 2024, allowing you to buy miles from as little as 0.92 cents each over the next six months.

Even existing CardUp customers get a good deal, with a year-round 1.8% rate for Voyage cardholders and a 2% rate for 90°N cardholders.

That allows you to generate miles from 1.11 to 1.51 cents each, competitive rates now that pre-pandemic travel is back in full force.

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(Cover Photo: CardUp)