CardUp

Eligibility to utilise New User Promo Code "25AMEX18"

1. Eligible American Express® Card Members who have signed up for a personal CardUp account and have not yet scheduled a payment ("New Users") are eligible to enjoy a 1.8% discounted fee for their first payment of a maximum of S$3,500 ("Offer") when the following are met:
   • Must be a new personal CardUp account user.
   • Make payment using a personal Basic and/or Supplementary American Express® Card (“Eligible Card”) issued by American Express® International Inc. in Singapore (excluding American Express® True Cashback Card, American Express® Corporate Card and American Express® Cards issued by DBS Bank Limited and United Overseas Bank Limited.).
2. The Offer is valid for one redemption per New user on first payment of a maximum of S$3,500 limit ("Offer Limit"). The prevailing 2.6% fee will be applied to the rest of the payment(s) should the amount exceed S$3,500.
3. The Offer is valid on all applicable domestic payments and on payments schedule on CardUp between 1 September 2025 and 31 December 2025 before 6pm (SGT), both dates inclusive ("Offer Period"). Limited to the first 200 new users who use the promo code.
4. The payment due date must be between 1 September 2025 and 6 January 2026, both dates inclusive. The payment due date is the last date on which the payment must arrive at the recipient. Payment must be scheduled on CardUp at least 3 business days in advance of the due date to allow for processing time.
5. New Users have to enter the promo code ‘25AMEX18’ ("Promo Code") during the “Schedule payment” process when setting up payment details. The 1.8% discounted fee for the eligible payment amount will be reflected before the user confirms and submits payment.
6. The Offer is not valid to be used:
   • with American Express® Card not included in this campaign and credit cards issued outside of Singapore.
   • on any additional fees incurred for Next Day payments.
   • in conjunction with any other promotions, offers or discounts.
   • on unsupported personal payment categories and any business payment categories. 
   • on any payments in foreign currency.
7. New Users are to refer to your individual Card Member Agreement Terms and Conditions for details on redemption of Membership Reward® points (go.amex/rewardstnc) and KrisFlyer miles (go.amex/singaporeair), respectively.
   
8. All payments are subject to review and additional documents may be requested to support the review.
9. The User must provide all accurate references and documents to support the payment.
10. CardUp shall not be held liable for any delays in payment processing or fee refund resulting from the User's failure to provide sufficient documentation.

Eligibility to utilise Existing User Promo Code "25AMEX21"

1. Eligible American Express® Card Members  are eligible to enjoy the 2.1% discounted fee for their next payment of a maximum of S$3,000 when the following are met:
   • Has an existing personal CardUp account (“Existing Users”)
   • Make payment using a personal Basic and/or Supplementary American Express® Card (“Eligible Card”) issued by American Express® International Inc. in Singapore (excluding American Express® True Cashback Card, American Express® Corporate Card and American Express® Cards issued by DBS Bank Limited and United Overseas Bank Limited.).
2. The Offer is valid for one redemption per existing user on next payment of a maximum of S$3,000 limit ("Offer Limit"). The prevailing 2.6% fee will be applied to the rest of the payment(s) should the amount exceed S$3,000.
3. The Offer is valid on all applicable domestic payments and on payments schedule on CardUp between 1 September 2025 and 31 December 2025 before 6pm (SGT), both dates inclusive ("Offer Period"). Limited to the first 450 new users who use the promo code.
4. The payment due date must be between 1 September 2025 and 6 January 2026, both dates inclusive. The payment due date is the last date on which the payment must arrive at the recipient. Payment must be scheduled on CardUp at least 3 business days in advance of the due date to allow for processing time.
5. Existing Users have to enter the promo code ‘25AMEX21’ ("Promo Code") during the “Schedule payment” process when setting up payment details. The 2.1% discounted fee for the eligible payment amount will be reflected before the user confirms and submits payment.
6. The Offer is not valid to be used:
   • with American Express® Card not included in this campaign and credit cards issued outside of Singapore.
   • on any additional fees incurred for Next Day payments.
   • in conjunction with any other promotions, offers or discounts.
   • on unsupported personal payment categories and any business payment categories. 
   • on any payments in foreign currency.
7. Existing Users are to refer to your individual Card Member Agreement Terms and Conditions for details on redemption of Membership Reward® points (go.amex/rewardstnc) and KrisFlyer miles (go.amex/singaporeair), respectively.
   
8. All payments are subject to review and additional documents may be requested to support the review.
9. The User must provide all accurate references and documents to support the payment.
10. CardUp shall not be held liable for any delays in payment processing or fee refund resulting from the User's failure to provide sufficient documentation.

General Terms & Conditions: 

1. American Express International Inc. reserves the right, to withdraw or substitute the offer with other offer(s) due to unforeseen circumstances or matters beyond our control. We will use commercially reasonable efforts to notify you as soon as possible if we need to make such changes.
2. American Express acts solely as a payment provider and is not responsible or liable in the event that the above described services, activities or benefits are not provided or fulfilled by CardUp. CardUp is solely responsible for the fulfillment of this Offer and all relevant privileges. 
3. Merchant Terms and Conditions apply. For more details, please visit https://www.cardup.co/amex.
   
4. Following industry standards, every card transaction is reviewed and authorized or declined by American Express.
5. Please refer to https://bit.ly/AmexCardUpSupportingPayments for types of supported payment.