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CardUp Payment Service Review: Automate Your Bills & Earn Rewards Together

Automatic bill payment service that lets you earn rewards from your transactions

CardUp Payment Service Review: Automate Your Bills & Earn Rewards Together

Automatic bill payment service that lets you earn rewards from your transactions


ValueChampion Rating ValueChampion Icon


  • Those who have many recurring bills
  • Individuals who have high credit limits


  • Those whose cards offer low rewards rates

CardUp payment service is great for those who currently have a credit or debit card that prohibits them from earning rewards on various bills such as rent, car loan payments, electricity, etc. It gives users the opportunity to earn rewards on their transactions that are restricted by their provider. By linking a card to their CardUp account, users can begin to make automatic payments while earning rewards for spend that was previously restricted. Ultimately, this lets cardholders earn points, cashback, or air miles on their existing transactions.

CardUp Features and Benefits

Key Features:
  • Annual fee: none, only applicable processing fees
  • Compatible with Visa, MasterCard, American Express and UnionPay
  • Earn rewards on rent, electricity, insurance, property and income taxes, can loans
  • Set up one-off / recurring payments, or schedule them in advance
  • Monitor past and upcoming payments all on one platform

Table of Contents

How Does CardUp Work?

CardUp primarily acts as a payment service for your bills/monthly expenses. By linking your card and entering your recipient’s information, CardUp then makes the payment automatically by charging your card. This eliminates the hassle of making manual payments, and adds the benefit of earning rewards. Users earn their card’s base rewards rate (general rate) for each payment that CardUp makes, allowing them to quickly accrue miles/points/ or cashback on their recurring expenses.

This card is very beneficial for those who have high credit limits, since adding these payments to your credit card can substantially increase your overall bill. This service is especially useful to those who have higher expenses, as the rate at which rewards can be earned is exponentially faster.

What Cards are Supported

CardUp is compatible with 8 different card providers, which is significantly higher than the number of options offered by its competitors like Citi PayAll, or RentHero. Below is a list of the supported banks and cards.

ProviderSupported Cards
American ExpressSingapore Airlines KrisFlyer, Singapore Airlines KrisFlyer Ascend, Singapore Airlines PPS, Singapore Airlines Solitaire PPS Club, True Cashback
Bank of ChinaElite Miles World Mastercard, Family Card
CitibankPremierMiles, PremierMiles American Express, PremierMiles Mastercard, Prestige Card, ULTIMA Card, Cash Back+
DBSAltitude Visa Signature, Altitude American Express, Insignia Visa Infinite, Treasures Black Elite American Express
OCBCVoyage Card, 90ºN Card
Standard CharteredPriority Banking Visa Infinite, Standard Chartered Visa Infinite, Visa Infinite X Credit Card, MANHATTAN Platinum/World, Spree Credit Card, Unlimited Cashback
UOBPRVI Miles Mastercard, PRVI Miles Visa Card, PRVI Miles American Express Card, Reserve Card, Visa Infinite Metal Card, KrisFlyer Card, One Card
MaybankPlatinum Visa Card

How to Earn Rewards

Earning rewards with CardUp is like earning rewards with any card programme. With each payment, CardUp charges your account and you earn the general/base rate associated with that card. It’s important to check what rates, limits, and restrictions your credit card has in order to understand the rewards you will be earning. If you would like to take maximize your rewards, take a look at some of the best cashback and air miles credit cards.

Payment TypeBill TypeCardUp FeeRewards RateRewards Earned
Citi PrestigeRentS$47.501.3mi/S$13,311.75 miles
OCBC VoyageSchool FeeS$56.261.3mi/S$13,323.13 miles
UOB OneElectricity BillS$11.255%S$25.56

The rewards rate is charged on the total monthly amount (rent+CardUp fee)

There is a limit to the certain rates that can be earned. For all cards, miles rates are capped at 1.6 mi/S$1 and cashback is capped at 5%. This means that if the card you are using exceeds either of these limits, CardUp will only pay up to these respective rates.

CardUp Fees

In comparison to its competitors, CardUp’s fee structure is somewhat more complex. Depending on the type of transaction and card, the fee will vary.

Card TypeRent FeeAll Other Payments Fee
MasterCard1.79%2.25% - 2.60%
Visa1.79%2.25% - 2.60%
UnionPay1.79%2.25% - 2.60%

While the rates on fees do vary, they are generally higher than fees that competitors charge. With this being said, CardUp does offer a much wider range of spend categories and eligible cards. For example, while Citi PayAll offers a similar range of payment categories at a 2% fee, the eligible cards are restricted to Citi issued cards. Similarly, RentHero charges a low fee of 1.75%, but is limited to rental payments. Essentially, despite CardUp’s higher fees, they do offer a wider variety of options for users.

How to Sign Up

Starting with CardUp is a quick online process. Follow the steps below to sign up.

  • Create a personal account using your email address
  • Provide the details to the card you would like to use (name on card, card number, etc.)
  • Enter in the information for the services you want to send payments to


The only prerequisite that is required for prospective users is that they are the primary cardholder to a valid credit card.

How to Close Your Account

To close your CardUp account, email [email protected] and request closure of your account. You may need to provide details pertaining to your account in order to verify that you are the account holder. It is important to note that you will be responsible for any outstanding fees associated with the account.

Alex Noonan

Alex is a Junior Research Analyst at ValueChampion, analyzing various financial decisions for consumers in Singapore, from which credit cards provide the best values, how to maximise value of miles and other personal finance matters. Previously an SEO Analyst at a New York based fin-tech company, specializing in small business advice, he has extensive experience in content production & web optimization. He is a recent graduate of Rutgers University, with a major in Supply Chain Management.

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