CardUp is running a limited-time promo for income tax payments made through the facility. Enjoy lower fees of 1.73-1.75% with the promo codes listed on this page to buy miles for as low as 1.06 cents each.
What is CardUp?
CardUp is a bill payment service (like Citi PayAll and UOB Payment Facility) where users can earn miles on payment categories that are usually excluded from earning credit card miles or cashback, like mortgage, rent, insurance premiums, taxes and school fees.
CardUp charges a 2.6% admin fee for this service, but users can often get a discounted fee when using the promo codes shared on this page.
Because of this fee, cardholders will pay slightly more than their actual expense to earn miles. Due to this additional cost, CardUp customers are essentially “buying” miles.
Unlike purchasing miles outright and UOB Payment Facility, actual bills are required for CardUp payments, so the number of miles you can buy is always limited by the size of your bills.
Note: CardUp transactions are coded as MCC 7399 (Business Services Not Elsewhere Classified). Presently, only HSBC credit cards exclude this Merchant Category Code (MCC).
How to set up CardUp income tax payments?
Setting up an income tax payment on CardUp is pretty straightforward:
Step 1: Sign up for a free CardUp account
Step 2: Schedule a payment (select payment category)
Step 3: Select your recipient (IRAS income tax)
Step 4: Set up your payment (enter amount and schedule)
Step 5: Upload document (IRAS statement of account)
Step 6: Check details and create payment
Here’s what will happen once the setup is done:
- CardUp charges your credit card (bill amount + admin fee)
- CardUp sends the money to the recipient’s bank account
- You earn miles by using an eligible card
CardUp promo codes for Income Tax in 2026
CardUp users can use 2 promo codes for income tax payments in 2026, depending on the preferred payment schedule (one-time or recurring).
One-time payment (1.73% fee)
| Promo code | 173VTAXONE |
| Admin fee | 1.73% |
| Eligible users | All (new and existing) |
| Redemption limit | 1x per user |
| Payment type | One-time only |
| Payment categories | Income tax only |
| Payment cap | None |
| Set up by | 6pm, 12 Jun 2026 (min. 3 business days before due date) |
| Due date | by 17 Jun 2026 |
| Eligible cards | Visa and UnionPay only |
| 📄 Terms and conditions for 173VTAXONE | |
Recurring payments (1.75% fee)
| Promo code | SSTAX26R |
| Admin fee | 1.75% |
| Eligible users | All (new and existing) |
| Redemption limit | 2x per user |
| Payment type | Recurring only |
| Payment categories | Income tax only |
| Payment cap | None |
| Set up by | 6pm, 12 Jun 2026 (min. 3 business days before due date) |
| Due dates | 7 May – 17 Jun 2026 |
| Eligible cards | Visa and UnionPay only |
| 📄 Terms and conditions for SSTAX26R | |
How is cost per mile calculated?
Unlike other payment facilities (e.g. Citi PayAll, UOB Payment Facility), you’d also receive miles for CardUp’s admin fee. So, it has to be taken into consideration when calculating your cost per mile (CPM).
Here’s how to calculate CPM on CardUp transactions, in Singapore Dollar cents:
CPM = (Fee x 100) / ((100 + Fee) x MPD)
For example, if fee is 1.75% and earn rate is 1.4 mpd:
1.75 x 100 / ((100 + 1.75) x 1.4) = 1.23
To check the total amount of miles that you can receive on CardUp payments, check out CardUp’s Rewards Calculator.
Best credit cards for CardUp income tax payments
While it’s best to use specialized miles credit cards for day-to-day payments to earn 4 miles per dollar, CardUp payments are best charged to general-spending miles credit cards to earn unlimited miles on MCC 7399.
As shared earlier, only Visa and UnionPay cards are eligible for CardUp’s income tax promo codes. As there are no competent miles-earning UnionPay cards in Singapore, here are the best Visa cards for use with the abovementioned promo codes:
Earn 1.5 mpd on CardUp payments.
Costs per mile:
• 1.73% fee: 1.13 cents
• 1.75% fee: 1.15 cents
More information
Key details of the DBS Vantage Card
Ease of use :
Minimum annual income: S$120,000
Annual fee: S$599.50 (no waiver; always comes with 25,000 miles)
Get 10 free airport lounge visits per card membership year
2 free nights in Asia Pacific via Accor+ Explorer membership
No minimum spending
Uncapped earn rates
⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.5 mpd on local spending
• 2.2 mpd on foreign currency spending⚠️ 3-year miles expiry term
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee
Earn 1.4 mpd on CardUp payments.
Costs per mile:
• 1.73% fee: 1.21 cents
• 1.75% fee: 1.23 cents
More information
Key details of the UOB PRVI Miles Card
Ease of use :
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000
• Foreigner: S$40,000Annual fee: S$261.60 (first year waived; request waiver every year)
Get 4 free airport lounge visits per calendar year
No minimum spending
Uncapped earn rates
⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.4 mpd on local spending
• 2.4 – 3 mpd on foreign currency spending ⚠️ S$5 earning block
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee
Earn 1.4 mpd on CardUp payments.
Costs per mile:
• 1.73% fee: 1.21 cents
• 1.75% fee: 1.23 cents
More information
Key details of the UOB Visa Infinite Metal Card
Ease of use :
Minimum annual income: S$120,000
Annual fee: S$654 (no waiver; always comes with 25,000 miles)
Get unlimited free airport lounge visits until 31 May 2026
No minimum spending
Uncapped earn rates
Free miles transfers to frequent flyer programs
⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.4 mpd on local spending
• 2.4 mpd on foreign currency spending⚠️ S$5 earning block
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee
Earn 1.4 mpd on CardUp payments. Minimum spending of S$2,000 per statement month required.
Costs per mile:
• 1.73% fee: 1.21 cents
• 1.75% fee: 1.23 cents
More information
Key details of the Standard Chartered Visa Infinite Card
Ease of use :
Minimum annual income:• S’porean/PR: S$30,000 – S$150,000 • Foreigner: S$60,000 – S$150,000 Annual fee: S$599.50 (no waiver, no miles)
Get 6 free airport lounge visits per card membership year
Uncapped earn rates
Miles don’t expire
⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1 mpd on local spending (1.4 mpd with S$2,000/month spending)
• 1 mpd on foreign currency spending (3 mpd with S$2,000/month spending)⚠️ Only 2 useful miles transfer partners
⚠️ 3.5% foreign transaction fee
Earn 1.3 mpd on CardUp payments.
Costs per mile:
• 1.73% fee: 1.31 cents
• 1.75% fee: 1.32 cents
More information
Key details of the DBS Altitude Card
Ease of use :
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000
• Foreigner: S$45,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year )
Get 2 free airport lounge visits per card membership year
No minimum spending
Uncapped earn rates
Miles don’t expire
⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2.2 mpd on foreign currency spending⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee (3% for AMEX version)
Earn 1.3 mpd on CardUp payments.
Costs per mile:
• 1.73% fee: 1.31 cents
• 1.75% fee: 1.32 cents
More information
Key details of the OCBC 90°N Card
Ease of use :
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000
• Foreigner: S$45,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year )
No minimum spending
Uncapped earn rates
Miles don’t expire
⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2.1 mpd on foreign currency spending⚠️ S$5 earning block
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee
Earn 1.3 mpd on CardUp payments.
Costs per mile:
• 1.73% fee: 1.31 cents
• 1.75% fee: 1.32 cents
More information
Key details of the OCBC Voyage Card
Ease of use :
Minimum annual income: S$120,000
Annual fee: S$498 (no waiver; always comes with 15,000 miles)
Get unlimited airport lounge visits
No minimum spending
Uncapped earn rates
Miles don’t expire
⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2.2 mpd on foreign currency spending⚠️ S$5 earning block
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee
Earn 1.2 mpd on CardUp payments.
Costs per mile:
• 1.73% fee: 1.42 cents
• 1.75% fee: 1.43 cents
More information
Key details of the Standard Chartered Journey Card
Ease of use :
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$90,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year )
Get 2 free airport lounge visits per card membership year
Earn 3 mpd on groceries, food deliveries and ride-hailing, up to S$1,000 per statement month
No minimum spending
Miles don’t expire
⚠️ Low earn rates on non-bonus spending (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2 mpd on foreign currency spending⚠️ Only 2 useful miles transfer partners
⚠️ 3.5% foreign transaction fee
Earn 1.2 mpd on CardUp payments.
Costs per mile:
• 1.73% fee: 1.42 cents
• 1.75% fee: 1.43 cents
More information
Key details of the Maybank Visa Infinite Card
Ease of use :
Minimum annual income: S$150,000
Annual fee: S$654 (first year waived)
Get 4 free airport lounge visits per card membership year
Earn 3.2 mpd on foreign currency spending
Earn base miles (1.2 or 2 mpd) on commonly excluded categories like insurance, education and medical
Uncapped earn rates
Miles don’t expire
Up to 8 free airport limo rides per calendar year
⚠️ Minimum card spend of S$4,000 per calendar month required for foreign currency bonus earn rate
⚠️ Low earn rates on non-bonus spending (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2 mpd on foreign currency spending (without min. spend)⚠️ S$5 earning block
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee
The following invite-only Visa credit cards can also be used for CardUp payments:
| Card | Earn Rate | CPM (1.73% fee) | CPM (1.75% fee) |
|---|---|---|---|
| Citi ULTIMA | 1.6 mpd | 1.06 | 1.07 |
| UOB Reserve | |||
| DBS Insignia |
